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

VISA Credit Card

Classic VISA Credit Card

Credit lines up to $5000 are available with no annual fee. There is a 25-day grace period on new purchases and free travel insurance on every card.

VISA Gold Credit Card

Our VISA Gold card has a low annual percentage rate with no annual fee. A 25-day grace period is offered on new purchases along with free travel insurance, and Card Centives prime membership.

An optional credit life and disability insurance is offered on both our credit cards.

If your card is lost or stolen please call 607-776-3684 or after hours call 727-570-4881.

Inquire at credit union for our current rates.

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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