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 – 2016 New and Used vehicles 1.95% APR up to 72 months.
2015 – 2013 Used vehicles
2.10% APR up to 60 months.

Personal Loan Special

Up to $2500 @ 2.50% APR up to 24 months

Up to $5000 @ 3.25% APR up to 36 months

Up to $7500 @4.25% APR up to 48 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

VAC Scholarship Winners!

VAC Scholarship Winners 2016

Congratulations to our VAC Scholarship Winners! Megan McAllister, Kate McKinley, Colton Green, Madelyn Czajkowski, and Colin Gilbert (not present) We wish our young student members much success in their continued education.

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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