Credit Cards

Transform everyday spending into an opportunity to earn rewards and boost your credit!

Apply Now

A young mother at the supermarket with her little baby boy. She is happy to use everyday spending to boost her credit and supply the needs of herself and her family.

Credit Cards that build a strong financial future.

Whether you're looking to rebuild your credit, earn rewards, or enjoy a low-rate card, we have the credit card for you.

No Over Limit Fee1

Enjoy peace of mind knowing you won't be penalized for exceeding your credit limit.

No Balance Transfer Fee1

Move your existing balances with ease—no transfer fees mean more savings.

No Annual Fee1

Keep more money in your wallet. Enjoy the convenience of our cards with no annual fee.

No Cash Advance Fee1

Access your cash when you need it without paying extra.

1Visit our Credit Card Disclosure2 for detailed information. Terms, conditions, and qualifications apply.

2This document includes links providing direct access to other internet resources, including websites. CACL Federal Credit Union is not responsible for the accuracy or content of information contained in these sites.

APR as low as

15.00% Reward Card1

APR as low as

13.50% Secured Card1

APR as low as

13.00% Low Rate Card1

APR as low as

13.50% Business Card1

APR = Annual Percentage Rate

See All Rates

1Visit our Credit Card Disclosure2 for detailed information. Terms, conditions, and qualifications apply.

2This document includes links providing direct access to other internet resources, including websites. CACL Federal Credit Union is not responsible for the accuracy or content of information contained in these sites.

Credit card options for all of your needs

Unlock the full potential of your spending power with credit card options made to work smarter for you.

Cobalt Low Interest Card

Are you looking for a low-interest credit card? Our Cobalt Credit Card offers unbeatable rates, keeping your costs down with every purchase.

  • Minimum Credit Line: $500.00
  • Maximum Credit Line: $30,000.00
  • New Accounts earn 1.99% on Merchandise purchases in the first 12 months.

Apply Now

Carbon Rewards Credit Card

Rack up points for every dollar spent, turning each transaction into a chance to earn valuable rewards. Redeem your points for various options, from must-have merchandise to dream vacation flights.

  • Earn 1% cash back on all transactions
  • Minimum Credit Line: $500.00
  • Maximum Credit Line: $30,000.00
  • New Accounts earn 1.99% on Merchandise purchases in the first 12 months and $50 if you spend $1500 or more within the first 90 days of opening their card.

Apply Now

Secured Credit Card

Looking to rebuild or boost your credit score? Our secured credit card offers an opportunity to do just that! Secured by funds in your shares account, this card provides a convenient way to access your money while building your credit and financial security for the future.

  • Minimum Credit Line: $250.00
  • Maximum Credit Line: $30,000.00

Apply Now

Business Credit Card

Our business credit card is invaluable for managing and tracking your company's recurring expenses. By making regular payments, you can also increase your business’s financial standing and credit score.

  • Minimum Credit Line: $500.00
  • Maximum Credit Line: $30,000.00

Learn More

1Visit our Credit Card Disclosure2 for detailed information. Terms, conditions, and qualifications apply.

2This document includes links providing direct access to other internet resources, including websites. CACL Federal Credit Union is not responsible for the accuracy or content of information contained in these sites.

Discover the HY WOW! difference for yourself!

We are dedicated to being your partner through life's ups and downs, ready to do whatever is necessary to guide and support you. Our success comes from our members achieving financial stability and unstoppable growth.

The HY WOW! Difference

Membership Eligibility
A Happy mother hugging her two daughters, enjoying financial peace of mind while spending time together.

How do I apply for a credit card?

  1. Complete Application

    Apply online at your convenience by clicking the button below, or visit any of our branches to apply in person.

  2. Application Review

    Our credit card specialist will reach out for any information needed, as well as to open an account if you are not already a member.

  3. Application Decision

    Upon approval, you can expect to receive your credit card in the mail within 7–10 business days.

Apply Now

Frequently Asked Questions

To apply for a CACL credit card, please visit www.caclfcu.org, visit any of our three locations, or apply through your CACL Online Banking App.

Until the member has paid the card under or to the credit limit, the card will be inoperable to use for purchases.

During normal business hours, members can call 570-628-2400 to report the card lost/stolen. After normal business hours, members can call the 24 hour help desk at 855-695-1684 to report the card lost/stolen.

Our credit card comes with advanced fraud protection. You're covered if your card is ever lost/stolen, or used without your permission. Transactions are monitored 24/7 and alerts you to suspicious activity, giving you peace of mind every time you use your card.

Finance is Complicated.
We Make It Easier.

Check out our financial education resources, made to help you manage your money, plan for the future, and achieve lasting financial success.

Financial Education Blog

Ready to rebuild or boost your credit?

Get started today.