Home Page Consumer Scam Alerts Fees Schedule Financial Calculators FYI for CU Members Kids Korner Loan Application Savings & Loan Rates Services Special Promotions Special Events Privacy Statement Security Statement Disclosures	Services Regular saving accounts Vacation & holiday accounts Certificate of Deposit IRA accounts Share draft accounts Visa @ Debit/ATM card Visa @ Credit card Personal loans Auto loans Passbook loans College loans Debt consolidation loans Home Improvement loans Special Holiday loans Automatic payroll deduction for savings & loan accounts Direct Deposit American Express Traveler’s Cheques (single signature - $0.60 / $100.00) Free "share draft" accounts (only pay for checks)   Low loans rates Competitive savings rates Cancer Insurance Disability Income Insurance Extended Auto Warranties Flexible Annuities Indeterminate Premium Term Life Insurance Long-term Care Insurance Valley Central Federal Credit Union 17 Walnut St. Montgomery, New York 12549-2231 845.457.5592/5862 Fax: 845-457-3197 vcfcu@frontiernet.net