VAC Employees Federal Credit Union
Member NCUA
2 Wilson Ave. Bath, NY 14810
phone: 607-776-3684

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607-776-3684

AUTO LOAN SPECIAL

2018 – 2015 New and Used vehicles 1.95% APR up to 72 months.
2014 – 2012 Used vehicles
2.10% APR up to 60 months.

Holiday Loan Special

$2500 at 2.5% up to 25 months.

See All Loan Rates >

SAVINGS

Share Rate: .05% - APY .05%

6-month .20% - APY .20%
12-month .30% - APY .30%
24 month Not available

IRA

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.

See All Savings Rates >

Hours of Operation

Lobby:
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

Share Draft checking accounts

Our checking account is very similar to a basic bank checking account except:

  • $2.00 monthly service fee
  • No minimum balance required

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.

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Your savings federally insured to at least $250,000
and backed by the full faith and credit of the
United States Government