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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 CACL Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 18, 2026
CACL Federal Credit Union's 3-Month CD rates are at 3.70%, 6-Month CD rates are at 3.65%, 9-Month CD rates are at 3.57%, 12-Month CD rates are at 3.50%. CACL Federal Credit Union's savings rates are at 0.45%. CACL Federal Credit Union's money market rates are at 2.00%. CACL Federal Credit Union's Personal Loan Rates are at 5.00%. 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 6.30%. Rates were last updated on 04/18/2026. 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. 
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
Methodology & Data SourcesMonitorBankRates 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
54
Part-Time Employees
0
Branch Locations
4
ATM Locations
3
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.30%
Return on Assets (ROA)
0.4543%
Return on Equity (ROE)
4.5282%
Non-Performing Loans Ratio (NPL)
0.76%
Total Assets
237,837,480
Total Amount of Shares and Deposits
214,362,662
Total Shares and Deposits < 1 Year
195,150,918
Total Shares and Deposits 1 3 Years
13,901,202
Total Shares and Deposits > 3 Years
5,310,542
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
12,552,411
Total Uninsured Shares and Deposits > $250K (F+J)
12,556,017
Total Insured Shares and Deposits > $250K (item 17 less item K)
201,806,645
Total Interest Expense (Sum of items 6 8)
3,743,433
Share Certificates
2,834
Number of Accounts for Share Drafts
10,694
IRA KEOGH Accounts
1,157
Number of Accounts for Regular Shares
18,060
All other shares
65
Non Member Deposits
19
Money Market Shares
800
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
7,744,209
Total Liabilities
215,298,286
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About CACL Federal Credit UnionIs CACL Federal Credit Union a safe place to deposit money?Yes, CACL Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 6.3037116463932%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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. Current CACL Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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