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

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Holiday Special

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

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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.

Click here to see all Savings Rates >

Hours of Operation

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

Welcome to VAC Employees Federal Credit Union

You have made a smart decision to become a member. Since we are a not-for-profit financial institution, you will enjoy overall better rates on loans and savings and lower (or no) fees on services. See our services>

The VAC Employees Federal Credit Union is committed to assist you with all the financial products and services you need – from share draft accounts to VISA Credit cards. Read our history>

But that’s not all – we also offer products and services for your long term plans. From Individual Retirement Accounts (IRA) to time share accounts (3 month, 6 month, 12 month and 24 month). We also offer a full-range of lending products and with the ease of payroll deduction or direct deposit. What could be easier?

Please remember: Because you are a member, your whole family – including your spouse, children, in-laws, parents, nieces, nephews and others are eligible for membership at the credit union.

Our goal is to provide the best possible service to you! It’s the only reason for our existence. That is what makes us different. The VAC Employees Federal Credit Union is owned by its members and because you are a member/owner; you benefit from our financial strength.

We urge you to take full advantage of your credit union and the services and products we offer. Should you have any questions or if we can be of any further assistance, please feel free to call.
Our credit union telephone number is 607-776-3684.

Mission statement: The VAC Employees Federal Credit Unionstrives to offer full financial services at competitive rates while maintaining profitability through planned growth.

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)


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