At VAC Federal Credit Union, our focus is to provide our members with products that are competitive and quality driven. Our mission is to become our member's primary financial institution.

Here are the account services we offer:

• On-Line Account Access with Free Bill-Pay
• 24-hour Voice Response Telephone Teller
• Share Accounts (Savings)
• Share Draft (Checking) Accounts
• Freedom Plus Checking Accounts
• Redi-Money Manager Accounts
• Share Certificates (Certificates of Deposit)
• Christmas Club Accounts
• Children's Club Accounts - "Money Bunnie"
• IRAs
• ATM Cards
• MasterCard Debit Cards
• VISA Classic and Gold Credit Cards
• VISA Gift Cards ($3.00 each)

The Share Account is a basic savings account and is opened when you join the credit union. Every member holds a share of ownership in the credit union. Click here for current rates.

VAC offers Share Draft (Checking) Accounts with no monthly service charge.

VAC also offers a Freedom Plus Checking Account for our members that are 55 and over.  The benefits that are offered with this account are as follows:

• No Monthly Fee
• Free Travelers Checks (single signature only)
• Money Orders - $1.50 each
• Credit Union Corporate Checks - 1 Free Check Per Month ($3.00 each thereafter)
• Free Wire Transfers (1 per quarter - no international wires)
• Free Checks (2 boxes per year - basic checks)
• Overdraft Privilege Available
• Direct Deposit and Payroll Deduction
• MasterMoney Debit Card

Redi-Money Manager Accounts are a money market account that allows you to earn a higher dividend than a share or checking account. You are allowed to write three checks per month on this type of account. Dividends are earned on a monthly basis according to the average daily balance in the account. There is a service charge if the balance falls below the minimum amount during the month. Click here for current rates.

Share Certificates are certificates of deposit which earn a higher yield than the regular share account. Click here for current rates.

Christmas Club Accounts help you to save for the Christmas season. Dividends are earned on the average daily balance on a monthly basis. No withdrawals are allowed from this account during the year. The funds are transferred to your primary share account during the first week of November of each year. Click here for current rates.

Children's Club Accounts are available to children 12 and under to help encourage managing a savings account. Children receive gifts when their account is opened and a birthday card yearly from the "Money Bunnie". Click here for current rates.

IRA Accounts are available to member's who are planning for retirement. Choose from an assortment of investment options:

• IRA Share Savings
• IRA Share Certificates
• Traditional IRA plans
• Roth IRA plans
• Educational IRA plans

Click here for current rates.

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 Notice to Members for Customer Identification Under USA Patriot Act

“In order to prevent the use of the U. S. banking system in terrorist and other illegal activity, federal regulations require all financial institutions to obtain, verify, and record identification from all persons opening new accounts or being added as signatories to existing accounts.  This institution cannot waive this requirement.”
                                                                                                                               U. S. Treasury

 In order to comply with the U. S. A. Patriot Act, the VAC Federal Credit Union is required to verify the identity the members applying for and opening new accounts/services or adding signatories to existing accounts/services with the credit union.   Information that we are required to obtain includes:

§          Name
§          Mailing Address
§          Residence Address (if different)
§          Social Security Number or Tax Identification Number
§          Date of Birth
§          Copy of a government issued photo ID (such as driver’s license, passport, Student ID, State issued ID, etc.)

Additional data or identification, as required under the USA Patriot Act, may also be gathered depending on the type of account applied for or opened.   Data on existing members will be gathered as they open or use additional services offered by the credit union or add signatories on accounts  The USA Patriot Act requires the credit union to maintain records of the identification verification and update the information.  

 Confidentiality of this information will be maintained as required under the Privacy Act and all other applicable laws and regulations.