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

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2015 - 2013 New and Used vehicles 1.95% APR up to 72 months.
2012 – 2010 Used vehicles
2.10% APR up to 60 months.


$2500 @ 2.50% APR up to 24 months

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

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

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Share Rate: .10% - APY .10%

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.

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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

Welcome to VAC Employees Federal Credit Union

Affordable health insurance made easy. Find plans that fit your budget. Designed for credit union members. Learn more.

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.

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