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 >
Click here to see all Savings 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.

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

  • Exciting News!!
  • Auto Loan Special 2018 - 2016 New and Used Vehicles
  • HOLIDAY SPECIAL
  • Find, Drive and Save.
  • Owners Choice Funding - Click Here to get Rates and Information
  • Protect your cards with real-time control
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)

Welcome to VAC Employees Federal Credit Union

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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 about VAC Employees Federal Credit Union

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.


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NCUA

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