VacationLand Federal Credit Union, (the Credit Union), was founded in 1956 by employees of the Sandusky, Ohio General Motors Plant. In 2001, the Credit Union expanded its field of membership including anyone who lives, works, and worships, attends school or has a business or organization in Erie County, Ohio.

School Employees Federal Credit Union
In 2010, the Credit Union extended its membership into Huron County, Ohio by merging with School Employees Federal Credit Union (SEFCU) to include employees of the Boards of Education who work in Huron County and employees of the Board of Education of EHOVE Joint Vocational School in Erie County.

Sandusky Ohio Edison Employees Federal Credit Union
In 2017, the Credit Union expanded its membership through the merger with the Sandusky Ohio Edison Employees Federal Credit Union. Membership eligibility extends to employees of the Ohio Edison Company who work in Sandusky, Bellevue, Port Clinton or Norwalk, Ohio; spouses of persons who died while within the field of membership of this credit union; retired persons, members of their immediate families; and organizations of such persons.

Expanded Field of Membership
In 2020 our charter was amended to allow VLFCU to serve persons who live, work, worship, and business in Huron County, Ohio: York Township, Sandusky, County Ohio; Adams Thomas, Reed or Venice Townships, Seneca County, Ohio; and Village of Green Springs Ohio. 

Your Credit Union Today

Today, VacationLand Federal Credit Union is a member-owned, not-for-profit financial cooperative dedicated to being the lifetime financial institution of its members, by providing services at lower or no fees, or loans with lower rates plus deposit products with higher dividend rates.

VacationLand Federal Credit Union is a federally chartered credit union, regulated by the National Credit Union Administration (NCUA), an agency of the federal government. Credit unions are the only democratically controlled financial institution in the U. S. Members elect a volunteer board of directors to govern the credit union. In contrast, banks are for-profit entities, governed by a paid board of directors, with all profits benefitting the bank shareholders.

The Credit Union offers its members a full suite of personal financial products including mortgage, home equity, consumer, student and credit card loans, as well as a wide array of savings, checking, money market and certificate deposit products.

The Credit Union supports community employment opportunities by funding local small businesses. Business financial products include equipment, auto, truck and commercial real estate loans, as well as lines of credit.

With $280 million in assets, VacationLand Federal Credit Union, headquartered in Sandusky, Ohio serves over 20,000 members, businesses and organizations at five branch offices and 11 ATMs in the cities of Sandusky, Huron, Norwalk and Vermilion. We serve our members at over 5,600 plus CO-OP Shared Branches and at over 32,000 MoneyPass and over 5,600 Alliance One surcharge-free ATM locations in the United States. We serve members wherever they are through 24-hour online and mobile banking, Remote Deposit Capture and CU*Talk Telephone Account Access.

VacationLand Federal Credit Union is a member of Corporate One Federal Credit Union, National Credit Union Administration’s Central Liquidity Facility, Federal Reserve Bank of Cleveland’s Discount Window and the Federal Home Loan Bank of Cincinnati. VacationLand Federal Credit Union is an Equal Opportunity Employer and an Equal Housing Lender.

VacationLand Federal Credit Union received Low-income Designation through the NCUA, providing benefits to VacationLand to help serve members who have challenges accessing financial products and services. Low-income designation benefits include accepting non-member deposits from any source, a gateway to community development financial institution (CDFI) certification opportunities to apply for grants and low-interest loans.


Founded in 1956 to serve employees, retirees, and families of General Motors, VacationLand Federal Credit Union has fostered strong partnerships and long-lasting financial relationships with those individuals and their families. We are proud to offer a wide range of banking products and services to our members.

Through the years, we expanded membership eligibility to several other local companies, and now serve our members under a community charter, offering products and services comparable to our banking competitors.

In April of 2010, we merged with School Employees Federal Credit Union and added the Norwalk branch to better serve all of our members.  We furthered expanded our services by opening the Huron branch in April of 2015, bringing our total to five full-service branches. 

VacationLand FCU is committed to serving our members' needs throughout their lifetime by providing personal and business products that help you achieve your financial goals. Guided by our core values, we exist as a not-for-profit cooperative that exists to serve all of our members.