V.a.c.employees Federal Credit Union

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A short history of V.a.c.employees FCU

Since its inception in 1949 the V.a.c.employees Federal Credit Union has been serving its members in the BATH, New York area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Brandy Holbrook, the V.a.c.employees FCU has grown its membership to over 3,060 with assets of more than $25,416,864. They have a main office and 1 branch offices. Please see the credit unions website or contact them by phone at (607) 776-3684 or email them at none to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in BATH, NY.

General Information For V.a.c.employees FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 6225
Address 2 WILSON AVE 
City BATH 
State New York 
Zip-Code 14810
Phone Number (607) 776-3684
Fax Number () -
Email Address: none
CEO/President Brandy Holbrook
Members 3,060 
Full-Time Employees
Part-Time Employees
Number of Branch Offices
Total Assets 25,416,864 
Website http://vacemployeesfcu.com 

Compare V.a.c.employees Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Hornell Erie CU HORNELL ERIE FCU 80 ERIE AVE 14843 (607) 324-2515 No 15.44
District #6 CU Disrtict 6 Federal Credit Union 107 Broadway 14843 (607) 324-8384 No 15.54
Servu CU Administration 9823 Science Center Dr 14870 (607) 936-2293 No 18.72
First Heritage CU Addison 11 Steuben St 14801 (607) 359-2275 No 19.61
Corning CU Erwin Drive-Thru 253 S Hamilton St 14830 (607) 962-3144 No 21.26

V.a.c.employees Federal Credit Union Financial Performance Charts

Performance Charts

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Financial Data

V.a.c.employees Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 10.90 3.93 3.04 3.69 4.80
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 332 266 97 93 205
Rank Among All New York Credit Unions 56 102 33 28 72

V.a.c.employees Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.05 N/A 0.25 0.45
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 143 N/A 310 234
Rank Among All New York Credit Unions N/A 38 N/A 81 61
V.a.c.employees Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 10.900385372,594
All Other Unsecured Loans/Lines of Credit 7.030238892,934
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 3.930731,180,317
Used Vehicle Loans 3.040911,125,835
Total 1st Mortgage Real Estate Loans/Lines of Credit 3.69010363,432
Total Other Real Estate Loans/Lines of Credit 4.80018496,154
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 6.85070672,338
TOTAL LOANS & LEASES 8855,103,604

V.a.c.employees Federal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 2117,16100
    b. 15 Years or less 8246,27100
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 11222,93700
Closed-End Adjustable Rate 7273,21700
Open-End Adjustable Rate 0000
Open-End Fixed Rate 0000
TOTALS 28859,58600


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

V.a.c.employees Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards No
Overdraft Protection/Courtesy Pay No
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing No
Money Orders Yes
No Surcharge ATMs No
Home Banking Via Internet Website Yes