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CACL Federal Credit Union

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CACL Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at CACL Federal Credit Union?

Current rates for CACL Federal Credit Union include: 12-Month CD: 3.75%, 18-Month CD: 3.75%, 24-Month CD: 3.65%, 60-Month CD: 3.25%, Savings: 1.00%, MMA: 3.00%

Q: What CD terms does CACL Federal Credit Union offer?

CACL Federal Credit Union CD rates are 3.70% APY for a 3 month CD, 3.70% APY for a 6 month CD, 3.75% APY for a 12 month CD, 3.75% APY for an 18 month CD, 3.65% APY for a 2 year CD and 3.25% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with CACL Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 28, 2026

CACL Federal Credit Union's 12-Month CD rates are at 3.75%, CD - 12 month rates are at 3.75%, CD - 18 month rates are at 3.75%, 3-Month CD rates are at 3.70%, 6-Month CD rates are at 3.70%. CACL Federal Credit Union's savings rates are at 1.00%. CACL Federal Credit Union's money market rates are at 3.00%. CACL Federal Credit Union's checking rates are as high as 5.00%. CACL Federal Credit Union's Personal Loan Rates are as low as 8.99%. CACL Federal Credit Union's CD rates are 29% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of CACL Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.70%. Rates last updated and verified on 10/28/2026.

CACL Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at CACL Federal Credit Union? Share your experience about CACL Federal Credit Union by leaving a review below, or read customer reviews before you decide to use CACL Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.70%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

CACL Federal Credit Union
Main Office

1800 W Market St
Pottsville, PA 17901

https://www.caclfcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

CACL Federal Credit Union CD Rates

Product	Rate	APY	Term
12-Month Certificate	-	3.75%	12 Months
Min Deposit $500 Min Balance $500 Details APY up to 3.75%; Regular and IRA Certificates; $500.00 minimum balance required to earn the stated APY Last Updated 10/28/2026 Rate History 1 change since Sep 12, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50% Oct 23, 20263.75%▲ from 3.50% Sep 12, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Certificate - 12 month	3.69%	3.75%	12 Months
Min Deposit $500 Details Dividend rate and APY fixed for the term of the account Last Updated 10/28/2026 Rate History 1 change since Sep 12, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50% Oct 23, 20263.75%▲ from 3.50% Sep 12, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Certificate - 18 month	3.69%	3.75%	18 Months
Min Deposit $500 Details Dividend rate and APY fixed for the term of the account Last Updated 10/28/2026 Rate History 1 change since Sep 12, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50% Oct 23, 20263.75%▲ from 3.50% Sep 12, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
IRA Certificate - 12 month	3.69%	3.75%	12 Months
Min Deposit $500 Last Updated 10/28/2026 Rate History 1 change since Sep 12, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50% Oct 23, 20263.75%▲ from 3.50% Sep 12, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
IRA Certificate - 18 month	3.69%	3.75%	18 Months
Min Deposit $500 Last Updated 10/28/2026 Rate History 1 change since Sep 12, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50% Oct 23, 20263.75%▲ from 3.50% Sep 12, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
3-Month Certificate	-	3.70%	3 Months
Min Deposit $500 Min Balance $500 Details APY up to 3.70%; Regular and IRA Certificates; $500.00 minimum balance required to earn the stated APY Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 3.70% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
6-Month Certificate	-	3.70%	6 Months
Min Deposit $500 Min Balance $500 Details APY up to 3.70%; Regular and IRA Certificates; $500.00 minimum balance required to earn the stated APY Last Updated 10/28/2026 Rate History 1 change since Sep 12, 2026 · 3.65% → 3.70% ▲ 0.05 pts · high 3.70% / low 3.65% Oct 23, 20263.70%▲ from 3.65% Sep 12, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
9-Month Certificate	-	3.70%	9 Months
Min Deposit $500 Min Balance $500 Details APY up to 3.70%; Regular and IRA Certificates; $500.00 minimum balance required to earn the stated APY Last Updated 10/28/2026 Rate History 1 change since Sep 12, 2026 · 3.57% → 3.70% ▲ 0.13 pts · high 3.70% / low 3.57% Oct 23, 20263.70%▲ from 3.57% Sep 12, 20263.57%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Certificate - 3 month	3.64%	3.70%	3 Months
Min Deposit $500 Details Dividend rate and APY fixed for the term of the account Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 3.70% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Certificate - 6 month	3.64%	3.70%	6 Months
Min Deposit $500 Details Dividend rate and APY fixed for the term of the account Last Updated 10/28/2026 Rate History 1 change since Sep 12, 2026 · 3.65% → 3.70% ▲ 0.05 pts · high 3.70% / low 3.65% Oct 23, 20263.70%▲ from 3.65% Sep 12, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Certificate - 9 month	3.64%	3.70%	9 Months
Min Deposit $500 Details Dividend rate and APY fixed for the term of the account Last Updated 10/28/2026 Rate History 1 change since Sep 12, 2026 · 3.57% → 3.70% ▲ 0.13 pts · high 3.70% / low 3.57% Oct 23, 20263.70%▲ from 3.57% Sep 12, 20263.57%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
IRA Certificate - 3 month	3.64%	3.70%	3 Months
Min Deposit $500 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 3.70% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
IRA Certificate - 6 month	3.64%	3.70%	6 Months
Min Deposit $500 Last Updated 10/28/2026 Rate History 1 change since Sep 12, 2026 · 3.65% → 3.70% ▲ 0.05 pts · high 3.70% / low 3.65% Oct 23, 20263.70%▲ from 3.65% Sep 12, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
IRA Certificate - 9 month	3.64%	3.70%	9 Months
Min Deposit $500 Last Updated 10/28/2026 Rate History 1 change since Sep 12, 2026 · 3.57% → 3.70% ▲ 0.13 pts · high 3.70% / low 3.57% Oct 23, 20263.70%▲ from 3.57% Sep 12, 20263.57%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Certificate - 24 month	3.59%	3.65%	24 Months
Min Deposit $500 Details Dividend rate and APY fixed for the term of the account Last Updated 10/28/2026 Rate History 1 change since Sep 12, 2026 · 3.45% → 3.65% ▲ 0.20 pts · high 3.65% / low 3.45% Oct 23, 20263.65%▲ from 3.45% Sep 12, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
IRA Certificate - 24 month	3.59%	3.65%	24 Months
Min Deposit $500 Last Updated 10/28/2026 Rate History 1 change since Sep 12, 2026 · 3.45% → 3.65% ▲ 0.20 pts · high 3.65% / low 3.45% Oct 23, 20263.65%▲ from 3.45% Sep 12, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Certificate - 30 month	3.54%	3.60%	30 Months
Min Deposit $500 Details Dividend rate and APY fixed for the term of the account Last Updated 10/28/2026 Rate History 1 change since Sep 12, 2026 · 3.20% → 3.60% ▲ 0.40 pts · high 3.60% / low 3.20% Oct 23, 20263.60%▲ from 3.20% Sep 12, 20263.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
IRA Certificate - 30 month	3.54%	3.60%	30 Months
Min Deposit $500 Last Updated 10/28/2026 Rate History 1 change since Sep 12, 2026 · 3.20% → 3.60% ▲ 0.40 pts · high 3.60% / low 3.20% Oct 23, 20263.60%▲ from 3.20% Sep 12, 20263.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Certificate - 36 month	3.49%	3.55%	36 Months
Min Deposit $500 Details Dividend rate and APY fixed for the term of the account Last Updated 10/28/2026 Rate History 1 change since Sep 12, 2026 · 3.20% → 3.55% ▲ 0.35 pts · high 3.55% / low 3.20% Oct 23, 20263.55%▲ from 3.20% Sep 12, 20263.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
IRA Certificate - 36 month	3.49%	3.55%	36 Months
Min Deposit $500 Last Updated 10/28/2026 Rate History 1 change since Sep 12, 2026 · 3.20% → 3.55% ▲ 0.35 pts · high 3.55% / low 3.20% Oct 23, 20263.55%▲ from 3.20% Sep 12, 20263.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Certificate - 60 month	3.20%	3.25%	60 Months
Min Deposit $500 Details Dividend rate and APY fixed for the term of the account Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 3.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
IRA Certificate - 60 month	3.20%	3.25%	60 Months
Min Deposit $500 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 3.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Certificate - 42 month	3.15%	3.20%	42 Months
Min Deposit $500 Details Dividend rate and APY fixed for the term of the account Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 3.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
IRA Certificate - 42 month	3.15%	3.20%	42 Months
Min Deposit $500 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 3.20% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Certificate - 48 month	3.01%	3.05%	48 Months
Min Deposit $500 Details Dividend rate and APY fixed for the term of the account Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 3.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Certificate - 54 month	3.01%	3.05%	54 Months
Min Deposit $500 Details Dividend rate and APY fixed for the term of the account Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 3.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
IRA Certificate - 48 month	3.01%	3.05%	48 Months
Min Deposit $500 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 3.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
IRA Certificate - 54 month	3.01%	3.05%	54 Months
Min Deposit $500 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 3.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%

CACL Federal Credit Union Savings Rates

Product	Rate	APY
IRA Savings	-	1.00%
Min Balance $50 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 1.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Membership Savings	-	0.50%
Min Balance $50 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Basic Savings	-	0.45%
Min Balance $50 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.45% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Holiday Savings	-	0.45%
Min Balance $50 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.45% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Vacation Savings	-	0.45%
Min Balance $50 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.45% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%

CACL Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	2.96%	3.00%
Min Deposit $2,000 Min Balance $75,000 Details Balance: $75,000.00 - $499,999.99; Money Market accounts require a minimum balance of $2,000.00 to be opened Last Updated 10/28/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Money Market	2.96%	3.00%
Min Deposit $2,000 Min Balance $500,000 Details Balance: $500,000.00 and over; Money Market accounts require a minimum balance of $2,000.00 to be opened Last Updated 10/28/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Money Market	2.72%	2.75%
Min Deposit $2,000 Min Balance $20,000 Details Balance: $20,000.00 - $74,999.99; Money Market accounts require a minimum balance of $2,000.00 to be opened Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 2.75% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Money Market	1.98%	2.00%
Min Deposit $2,000 Min Balance $2,000 Details Balance: $2,000.00 - $19,999.99; Money Market accounts require a minimum balance of $2,000.00 to be opened Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 2.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%

CACL Federal Credit Union Checking Rates

Product	Rate	APY
Prime Checking	-	5.00%
Min Balance $0 Details Qualifications Required; Balance: $0-$10,000 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 5.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
HY WOW! Checking	-	1.00%
Details Qualifications Required; No daily balance requirements; No minimum or maximum balance required Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
HY WOW! Checking	-	0.10%
Min Balance $0 Details Published APY range: 0.1%/1%. Qualifications Required; 1.0% stated APY with eStatements enrollment and 10 POS transactions per month Last Updated 10/28/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%

CACL Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Home Equity	-	-	4.89%
Details As Low As; Rates fixed for the life of the loan; subject to property appraisal Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 4.89% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Home Equity Line Of Credit	-	-	7.00%
Details As Low As; Variable APR based on Prime Rate plus margin; maximum APR 18% Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 7.00% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%

CACL Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan - New Vehicle	-	-	4.99%	36 Months
Details Eligible for current model year vehicles; previous model year vehicles considered new through March 31st of current year; Maximum term: 120 months; Rates as of October 21, 2026 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Auto Loan - New Vehicle	-	-	4.99%	48 Months
Details Eligible for current model year vehicles; previous model year vehicles considered new through March 31st of current year; Maximum term: 120 months; Rates as of October 21, 2026 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Auto Loan - New Vehicle	-	-	4.99%	60 Months
Details Eligible for current model year vehicles; previous model year vehicles considered new through March 31st of current year; Maximum term: 120 months; Rates as of October 21, 2026 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Auto Loan - Older Used Vehicle	-	-	4.99%	36 Months
Details Eligible for vehicles six to twelve model years old from the current model year; Vehicles over 12 years require Loan Committee approval; Maximum term: 72 months (mileage may limit term options); Rates as of October 21, 2026 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Auto Loan - Older Used Vehicle	-	-	4.99%	48 Months
Details Eligible for vehicles six to twelve model years old from the current model year; Vehicles over 12 years require Loan Committee approval; Maximum term: 72 months (mileage may limit term options); Rates as of October 21, 2026 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Auto Loan - Older Used Vehicle	-	-	4.99%	60 Months
Details Eligible for vehicles six to twelve model years old from the current model year; Vehicles over 12 years require Loan Committee approval; Maximum term: 72 months (mileage may limit term options); Rates as of October 21, 2026 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Auto Loan - Older Used Vehicle	-	-	4.99%	24 Months
Details Eligible for vehicles six to twelve model years old from the current model year; Vehicles over 12 years require Loan Committee approval; Maximum term: 72 months (mileage may limit term options); Rates as of October 21, 2026 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Auto Loan - Used Vehicle	-	-	4.99%	36 Months
Details Applies to vehicles from the current model year and up to five years old; Maximum term: 120 months (mileage may limit term options); Rates as of October 21, 2026 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Auto Loan - Used Vehicle	-	-	4.99%	48 Months
Details Applies to vehicles from the current model year and up to five years old; Maximum term: 120 months (mileage may limit term options); Rates as of October 21, 2026 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Auto Loan - Used Vehicle	-	-	4.99%	60 Months
Details Applies to vehicles from the current model year and up to five years old; Maximum term: 120 months (mileage may limit term options); Rates as of October 21, 2026 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Auto Loan - New Vehicle	-	-	5.49%	72 Months
Details Eligible for current model year vehicles; previous model year vehicles considered new through March 31st of current year; Maximum term: 120 months; Rates as of October 21, 2026 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 5.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Auto Loan - Older Used Vehicle	-	-	5.49%	72 Months
Details Eligible for vehicles six to twelve model years old from the current model year; Vehicles over 12 years require Loan Committee approval; Maximum term: 72 months (mileage may limit term options); Rates as of October 21, 2026 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 5.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Auto Loan - Used Vehicle	-	-	5.49%	72 Months
Details Applies to vehicles from the current model year and up to five years old; Maximum term: 120 months (mileage may limit term options); Rates as of October 21, 2026 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 5.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Auto Loan - Classic Car	-	-	5.99%	24 Months
Details Eligible for vehicles 20 years or older from the current model year; Maximum term: 96 months (mileage may limit term options); A $100 appraisal fee applies; Rates as of October 21, 2026 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 5.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Auto Loan - Classic Car	-	-	5.99%	36 Months
Details Eligible for vehicles 20 years or older from the current model year; Maximum term: 96 months (mileage may limit term options); A $100 appraisal fee applies; Rates as of October 21, 2026 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 5.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Auto Loan - Classic Car	-	-	5.99%	48 Months
Details Eligible for vehicles 20 years or older from the current model year; Maximum term: 96 months (mileage may limit term options); A $100 appraisal fee applies; Rates as of October 21, 2026 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 5.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Auto Loan - Classic Car	-	-	5.99%	60 Months
Details Eligible for vehicles 20 years or older from the current model year; Maximum term: 96 months (mileage may limit term options); A $100 appraisal fee applies; Rates as of October 21, 2026 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 5.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Auto Loan - New Vehicle	-	-	5.99%	84 Months
Details Eligible for current model year vehicles; previous model year vehicles considered new through March 31st of current year; Maximum term: 120 months; Rates as of October 21, 2026 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 5.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Auto Loan - Used Vehicle	-	-	5.99%	84 Months
Details Applies to vehicles from the current model year and up to five years old; Maximum term: 120 months (mileage may limit term options); Rates as of October 21, 2026 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 5.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Auto Loan - New Vehicle	-	-	6.19%	96 Months
Details Eligible for current model year vehicles; previous model year vehicles considered new through March 31st of current year; Maximum term: 120 months; Rates as of October 21, 2026 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 6.19% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Auto Loan - Classic Car	-	-	6.99%	72 Months
Details Eligible for vehicles 20 years or older from the current model year; Maximum term: 96 months (mileage may limit term options); A $100 appraisal fee applies; Rates as of October 21, 2026 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 6.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Auto Loan - Classic Car	-	-	6.99%	84 Months
Details Eligible for vehicles 20 years or older from the current model year; Maximum term: 96 months (mileage may limit term options); A $100 appraisal fee applies; Rates as of October 21, 2026 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 6.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Auto Loan - Classic Car	-	-	6.99%	96 Months
Details Eligible for vehicles 20 years or older from the current model year; Maximum term: 96 months (mileage may limit term options); A $100 appraisal fee applies; Rates as of October 21, 2026 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 6.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Auto Loan - New Vehicle	-	-	7.99%	120 Months
Details Eligible for current model year vehicles; previous model year vehicles considered new through March 31st of current year; Maximum term: 120 months; Rates as of October 21, 2026 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 7.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Auto Loan - Older Used Vehicle	-	-	7.99%	84 Months
Details Eligible for vehicles six to twelve model years old from the current model year; Vehicles over 12 years require Loan Committee approval; Maximum term: 72 months (mileage may limit term options); Rates as of October 21, 2026 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 7.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Auto Loan - Used Vehicle	-	-	7.99%	120 Months
Details Applies to vehicles from the current model year and up to five years old; Maximum term: 120 months (mileage may limit term options); Rates as of October 21, 2026 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 7.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%

CACL Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Unsecured Loan	8.99%
Details As Low As; Personal Loan Rates as of October 21, 2026; Non-refundable $25 application fee applies Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 8.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Premium Personal Line of Credit	11.75%
Details As Low As; Personal Loan Rates as of October 21, 2026; Variable rate based on Prime Rate plus a margin; $25 application fee and $25 annual fee apply Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 11.75% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Fresh Start Signature Loan	18.00%
Details As Low As; Personal Loan Rates as of October 21, 2026; Interest rate and payment fixed for life of loan; Non-refundable $35 application fee applies Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 18.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%

CACL Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Business Card	-	-	13.00%
Details As Low As; Credit Card APR as low as 13.00% Last Updated 10/28/2026 Rate History 1 change since Sep 12, 2026 · 12.75% → 13.00% ▲ 0.25 pts · high 13.00% / low 12.75% Oct 23, 202613.00%▲ from 12.75% Sep 12, 202612.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Low Rate Card	-	-	13.00%
Details As Low As; Credit Card APR as low as 13.00% Last Updated 10/28/2026 Rate History 1 change since Sep 12, 2026 · 12.25% → 13.00% ▲ 0.75 pts · high 13.00% / low 12.25% Oct 23, 202613.00%▲ from 12.25% Sep 12, 202612.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
No Equity Home Improvement Loan	-	-	6.99%
Details As Low As; Rates fixed for the life of the loan; no property appraisal required Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 6.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Reward Card	-	-	14.50%
Details As Low As; Credit Card APR as low as 14.50% Last Updated 10/28/2026 Rate History 1 change since Sep 12, 2026 · 14.25% → 14.50% ▲ 0.25 pts · high 14.50% / low 14.25% Oct 23, 202614.50%▲ from 14.25% Sep 12, 202614.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Secured Card	-	-	13.00%
Details As Low As; Credit Card APR as low as 13.00% Last Updated 10/28/2026 Rate History 1 change since Sep 12, 2026 · 12.75% → 13.00% ▲ 0.25 pts · high 13.00% / low 12.75% Oct 23, 202613.00%▲ from 12.75% Sep 12, 202612.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

CACL Federal Credit Union’s Texas Ratio fell from 9.28% in Q3 2023 to 5.70% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$256M	5.70%	5.0	A+
March 31, 2026	$251M	6.93%	5.0	A
December 31, 2025	$244M	5.74%	5.0	A+
September 30, 2025	$238M	5.85%	5.0	A+
June 30, 2025	$230M	4.37%	5.0	A+
March 31, 2025	$228M	5.27%	5.0	A+
December 31, 2024	$222M	6.95%	5.0	A
September 30, 2024	$211M	10.38%	5.0	A
June 30, 2024	$204M	10.25%	5.0	A
March 31, 2024	$199M	10.03%	5.0	A
December 31, 2023	$201M	11.45%	5.0	A
September 30, 2023	$215M	9.28%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for CACL Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather CACL Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with CACL Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name CACL Federal Credit Union

Website https://www.caclfcu.org

Address 1800 W Market St, Pottsville, PA 17901

Phone 570-628-2400

Fax 570-628-0488

President James Kramer

CEO John Hession

Full-Time Employees 53

Part-Time Employees 0

Branch Locations 4

ATM Locations 3

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.70%

Return on Assets (ROA)

0.4994%

Return on Equity (ROE)

4.9686%

Non-Performing Loans Ratio (NPL)

0.73%

Total Assets

255,746,891

Total Amount of Shares and Deposits

230,122,240

Total Shares and Deposits < 1 Year

208,939,301

Total Shares and Deposits 1 3 Years

17,117,967

Total Shares and Deposits > 3 Years

4,064,972

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

10,407,349

Total Uninsured Shares and Deposits > $250K (F+J)

10,416,072

Total Insured Shares and Deposits > $250K (item 17 less item K)

219,706,168

Total Interest Expense (Sum of items 6 8)

2,595,950

Share Certificates

2,805

Number of Accounts for Share Drafts

10,924

IRA KEOGH Accounts

1,144

Number of Accounts for Regular Shares

18,483

All other shares

Non Member Deposits

Money Market Shares

868

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

5,618,362

Total Liabilities

230,546,901

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

CACL Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About CACL Federal Credit Union

Does CACL Federal Credit Union offer CDs?

Yes. CACL Federal Credit Union current CD rates include its 12-Month CD at 3.75% APY, its CD - 12 month at 3.75% APY and its CD - 18 month at 3.75% APY, verified by MonitorBankRates as of October 28, 2026.

Are CDs from CACL Federal Credit Union NCUA insured?

Yes. CACL Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at CACL Federal Credit Union?

The highest CACL Federal Credit Union CD rate is its 12-Month CD at 3.75% APY, verified by MonitorBankRates as of October 28, 2026.

What CD terms does CACL Federal Credit Union offer?

CACL Federal Credit Union CD rates are 3.70% APY for a 3 month CD, 3.70% APY for a 6 month CD, 3.75% APY for a 12 month CD, 3.75% APY for an 18 month CD, 3.65% APY for a 2 year CD and 3.25% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with CACL Federal Credit Union for its full lineup.

What is the highest savings rate at CACL Federal Credit Union?

The highest CACL Federal Credit Union savings rate is its IRA Savings at 1.00% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest money market rate at CACL Federal Credit Union?

The highest CACL Federal Credit Union money market rate is its Money Market at 3.00% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest checking rate at CACL Federal Credit Union?

The highest CACL Federal Credit Union checking rate is its Prime Checking at 5.00% APY, verified by MonitorBankRates as of October 28, 2026.

What is the lowest auto loan rate at CACL Federal Credit Union?

The lowest CACL Federal Credit Union auto loan rate is its Auto Loan - New Vehicle at 4.99% APR, verified by MonitorBankRates as of October 28, 2026.

What is the lowest personal loan rate at CACL Federal Credit Union?

The lowest CACL Federal Credit Union personal loan rate is its Signature Unsecured Loan at 8.99% APR, verified by MonitorBankRates as of October 28, 2026.

How many branches does CACL Federal Credit Union operate?

CACL Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join CACL Federal Credit Union?

Yes, to access services at CACL Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, CACL Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, CACL Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does CACL Federal Credit Union offer online and mobile banking?

Most modern institutions like CACL Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.caclfcu.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do CACL Federal Credit Union rates compare?

CACL Federal Credit Union's CD rates are 29% higher than the MonitorBankRates national average, and it has an A+ health rating. CACL Federal Credit Union's top rates are its 12-Month CD at 3.75% APY, its IRA Savings at 1.00% APY, its Money Market at 3.00% APY, its Prime Checking at 5.00% APY and its Signature Unsecured Loan at 8.99% APR, verified by MonitorBankRates on October 28, 2026.

Current CACL Federal Credit Union Rates

12-Month CD3.75%
18-Month CD3.75%
24-Month CD3.65%
60-Month CD3.25%
Savings1.00%
MMA3.00%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

CACL Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

CACL Federal Credit Union Texas Ratio

CACL Federal Credit Union Health Trend

CACL Federal Credit Union CD Rates

CACL Federal Credit Union Savings Rates

CACL Federal Credit Union Money Market Rates

CACL Federal Credit Union Checking Rates

CACL Federal Credit Union Home Equity & HELOC

CACL Federal Credit Union Auto Loan Rates

CACL Federal Credit Union Personal Loan Rates

CACL Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

CACL Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About CACL Federal Credit Union

Does CACL Federal Credit Union offer CDs?

Are CDs from CACL Federal Credit Union NCUA insured?

What is the highest CD rate at CACL Federal Credit Union?

What CD terms does CACL Federal Credit Union offer?

What is the highest savings rate at CACL Federal Credit Union?

What is the highest money market rate at CACL Federal Credit Union?

What is the highest checking rate at CACL Federal Credit Union?

What is the lowest auto loan rate at CACL Federal Credit Union?

What is the lowest personal loan rate at CACL Federal Credit Union?

How many branches does CACL Federal Credit Union operate?

Is a member application needed to join CACL Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does CACL Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do CACL Federal Credit Union rates compare?

Current CACL Federal Credit Union Rates

Compare to Other Credit Unions