About Us

We've served our neighbors in Schuylkill County since 1953.

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Helping You When Others Won't (HY WOW!)

We are dedicated to being your partner through life's unpredictable ups and downs, ready to do whatever is necessary to guide and support you. Unlike other institutions who might turn away when things get tough, we choose to lead with genuine understanding, practical flexibility, and authentic care, explaining how we can work together. Our success is when we see our members achieve financial stability and unstoppable growth.

The HY WOW! Difference

Why Choose a Credit Union?
CACL FCU team members running a company booth at an event

Our Mission

Walking with members through life, providing solutions to meet their essential financial needs.

Our Vision

Building and empowering the community through banking.

Our Core Values

Authentic

Creating genuine, meaningful relationships is the foundation of everything we do. Our members can always count on us to provide transparent, straightforward and personalized guidance to meet their financial needs.

Committed

We hold ourselves to the highest standards when it comes to protecting the hard-earned money our members have placed in our care. We believe that success is achieved through a partnership of shared responsibility. No matter what life throws your way, we walk with you every step of the way.

Caring

Helping You When Others Won't, isn't just a slogan, it's who we are. We care for our members through all of life's challenges and take the time to truly understand their financial needs. Our caring goes beyond our members; we are invested in supporting the entire Schuylkill County community.

Collaborative

We encourage a culture of teamwork and cooperation, with our members and among our staff. We don't just work together—we are truly stronger together!

CACL FCU team members volunteering

We Believe in Giving Back

Unlike impersonal big banks, we are passionately invested in you and the heartbeat of Schuylkill County! We sponsor vibrant family events, provide crucial support to our brave local firehouses, and passionately assist local animal shelters. Our dedicated team finds immense joy in volunteering at heartwarming Special Needs events and consistently uplifts our neighbors through kind acts of service. We don't merely exist within Schuylkill County; we are dynamically woven into its fabric, showing up wherever people need connection and support.

Our Community Partners

Make-A-Wish Greater Pennsylvania and West Virginia logo
Big Impact Group logo
Blue Mountain logo
Schuylkill Chamber of Commerce logo
Schuylkill United Way logo
Crimson Tide Foundation logo
Avenues: Choose Your Direction and Grow logo

Our History

1953

Chartered in 1953 as a credit union for post office employees, CACL was named for the Carriers and Clerks that worked there. In those early years, CACL humbly operated out of a cigar box in the Pottsville Post Office.

1998

The much-anticipated grand opening of our main Pottsville branch, perfectly situated right here at 1800 West Market Street in the vibrant heart of this community. Stepping into this dedicated, professional building for the first time was the very beginning of a new era full of boundless opportunities.

2014

Embracing risk-based lending was made to extend essential financial support and opportunities to individuals in the Schuylkill County community. This shift in lending strategy enabled a wider range of residents, who might otherwise be excluded, to qualify for the funds they desperately needed.

2018

The debut of our dedicated loan department wasn't just an addition; it was a bold step forward, specifically designed to provide spacious comfort for our valued members. This space allows for meaningful interactions, where enhanced privacy ensures our member's financial discussions are confidential and secure.

2020

The ribbon-cutting for our second location, the St Clair branch, was not just a proud milestone, but a moment filled with excitement for our entire team. This pivotal expansion wasn't merely about adding square footage; it represented a leap forward, to serve our valued members with convenience and ease.

2021

An exciting milestone for CACL Financial to make a powerful investment in a Call Center. The opening of this Call Center was meticulously created to elevate our member's experience, and provide seamless support when they need it. Now, interacting with CACL Financial is easier than ever before.

2022

The opening of our third branch location in Schuylkill Haven was a strategic addition to provide broader physical access to our financial products and services. This expansion shows our commitment to bringing convenience and support closer to our valued members and building strong relationships.

TODAY

We are thrilled to be the credit union that not only listens with genuine care but actively helps and walks alongside each of our valued members, truly becoming a part of their story. We are constantly searching for innovative ways to enhance our member’s experience and discovering new, impactful ways to give back to the heart of our beloved community. The future stretches before us, with exciting possibilities and the promise of even greater opportunities yet to come.

Our Leadership

Board of Directors

James T. Kramer

Chairman

Edward J. Clark

Vice-Chairman

Joseph J. Devine

Director

Michael J. Hozella

Director

Robert J. James

Treasurer / Secretary

Kevin D. McNamara

Director

Francesco N. Mercuri

Director

Supervisory Committee

Joseph J. Devine

Chairman

Christian S. Newton

Member

John W. Toomey

Member

Ronald Gudinas II

Member

Brian P. Dries

Member

Founders

CACL Federal Credit Union was chartered on March 20, 1953, by the following original charter members:

Claude E. Acker
Robert W. Delong
Francis M. Rees
Delbert R. Kriner
William G. Schlachter
Wilfred E. Wachter
Edward N. Williams
Forrest E. Acker

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News and Announcements

Stay up to date with the latest news and events happening at CACL Federal Credit union.

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Helping You
When Others Won't

father and son fishing