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Welcome To The 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. Read more>>

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.

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 Union strives to offer full financial services at competitive rates while maintaining profitability through planned growth.

How May We Serve You?

The VAC Employees Federal Credit Union is located at 2 Wilson Avenue, Bath, New York across from the Steuben County office building.

Hours of operation:

Monday – Thursday 8:00 am to 4:30 pm
Friday 8:00 am to 5:30 pm

Drive thru hours:
Monday – Friday 8:00 am to 4:30 pm

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



2015 - 2013 New and Used vehicles 1.95% APR up to 72 months.

2012 – 2010 Used vehicles
2.10% APR up to 60 months.

This special rate has been extended to March 31, 2015.

$5000 @5.0% APR up to 50 months
Great rate available to February 27, 2015

Some restrictions apply. Please inquire at credit union for details.

Board of Directors reserves the right to terminate special at any time without notice.

Current Rates
  • 6-month time share certificate rate: .20%
    APY .20%
  • 12-month time share certificate rate: .30%
    APY .30%
  • See all rates>


Recently we have had a number of members call in and say they received a call or text message on their cell phone stating that “their ATM or debit card has been blocked Read more by clicking here>

Scholarship Available
VAC Employees Federal Credit Union is pleased to offer our young members the opportunity to apply for our membership scholarship Read more>

Equal Housing Lender
VAC Employees Federal Credit Union
Member NCUA
2 Wilson Ave. Bath, NY 14810