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

2019 – 2016 New and Used vehicles 1.90% APR up to 72 months.
2015 – 2013 Used vehicles
2.10% APR up to 60 months.
Special Rate Extended Until October 31, 2018

Holiday Special

Up to $2,500 @ 2.5%
For 24 months

Click here to see all Loan Rates >
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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.

Click here to 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

Special Club accounts

Separate club accounts can be established for your savings needs that are separate from your primary share account. This is a convenient way to keep your savings separate for vacation, taxes, or any other reason.

Everything Automotive-Browse, shop, save, apply
We are thankful to New York Credit Union Foundation for CU grant award in June 2017
Read the Auto Talk Newsletter(PDF File)

NCUA

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