VAC Employees Federal Credit Union
2 Wilson Ave. Bath, NY 14810
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2018 – 2016 New and Used vehicles 1.95% APR up to 72 months.
2015 – 2013 Used vehicles
2.10% APR up to 60 months.
Up to $2500 @ 2.50% APR up to 24 months
Up to $5000 @ 3.25% APR up to 36 months
Up to $7500 @4.25% APR up to 48 months
Share Rate: .05% - APY .05%
6-month .20% - APY .20%
12-month .30% - APY .30%
24 month Not available
Traditional IRA: .10% - APY .10%
Roth IRA: .10% - APY .10%
Coverdell IRA: .10% - APY .10%
Traditional IRA: .45% - APY .45%
Roth IRA: .45% - APY .45%
Rates are determined by the
Board of Directors and could
change at any time. Effective
date of dividends: 12/31/13.
Mon – Thur: 8:00am to 4:30pm
Friday: 8:00am to 5:30pm
Drive thru hours:
Mon – Fri: 8:00am to 4:30pm
Federal holidays observed
Our checking account is very similar to a basic bank checking account except:
We offer a Debit Mastercard with our checking accounts and an overdraft line of credit. Inquire at our office for the details on our application requirements.
You may purchase your checks with us through our check vendor or you may decide to purchase your check from a company of your choice.