Rates
12 Month Certificate - 3.95% apy*
5 Year Bonus Certificate - up to 3.05% apy*
Money Market Rates -
up to 3.00% apy*
Download Apps
Mobile Banking App
Credit Card App
Privacy Policy
OUR ONLINE PRIVACY PRACTICES
Keeping financial and personal information secure is one of our most important responsibilities CACL Federal Credit Union is committed to protecting the information of our members and other visitors who use our website. We value your trust and handle all personal information with care. As with information we collect through other means, we use the information you provide online to respond to your needs, service your accounts, and provide you with information about other services.
SECURE TRANSMISSIONS
To ensure information remains confidential, CACL Federal Credit Union uses encryption technology such as Secure Socket Layer (SSL) to protect information you enter and submit from our website.
EMAIL SECURITY
Regular Internet email is not secure. You should never provide information that is sensitive or confidential such as your social security number, account number or PIN numbers. We also ask that you do not send personal or account Information through regular email.
COOKIES
Cookies are pieces of information stored directly on the device you are using. Cookies we use do not contain or capture unencrypted Personal Information. Cookies allow us to collect information such as browser type, time spent on the site, pages visited, language preferences, and your relationship with us. We use the information for security purposes, to facilitate navigation, to display information more effectively, to personalize/tailor your experience while engaging with us, and to recognize your device to allow your use of our online products and services. We collect statistical information about the usage of the site in order to continually improve the design and functionality, to monitor responses to our advertisements and content, to understand how account holders and visitors use the site and to assist us with resolving questions regarding the site. We also utilize cookies for advertising purposes. Tracking technologies also used are beacons, tags, pixels, and scripts to collect and track information and to improve and analyze our website.
LINKING TO OTHER SITES
To provide you with easy access to information, CACL Federal Credit Union may provide links to other websites such as mortgage companies, insurance companies, government agencies. These links are provided as a convenience to our members. We do not guarantee or endorse any of the content in these links, and CACL Federal Credit Union does not represent either the third party or the member if the two enter into a transaction. The privacy and security policies on these linked websites may differ from those practiced by CACL Federal Credit Union. We encourage you to read the privacy policies of all websites you visit, especially before providing any personal non-public information.
GOOGLE ANALYTICS
Many websites and apps use Google services to improve their content. When they integrate Google services, these sites and apps share information with Google. We use Google Analytics to better understand how users are visiting and using our sites. Google Analytics collects information such as how often users visit this site, what pages they visit when they do so, and what other sites they used prior to coming to this site. Google Analytics collects the IP address assigned to you on the date you visit this site, rather than your name or other identifying information. We do not combine the information collected through the use of Google Analytics with personally identifiable information. Although Google Analytics plants a cookie on your web browser to identify you as a unique user the next time you visit this site, the cookie cannot be used by anyone but Google. You may review further information about how Google Analytics collects and processes data and how to control the information sent to Google at “How Google uses information from sites or apps that use our services” at google.com/policies/privacy/partners/.
CACL FEDERAL CREDIT UNION & CACL FCU MOBILE BANKING MOBILE APPS
CACL Federal Credit Union (Android) and CACL FCU Mobile Banking (Apple) Mobile Apps periodically collect, transmit, and use geolocation information for enabling features such as, but not limited to, card use and alerts to prevent fraudulent activates, but only if the end user expressly authorizes collection of such information. Geolocation information can be monitored on a continuous basis in the background only while the feature(s) are being used or not at all, depending on the end user’s selection. The end user can change his/her/their location permissions at any time in their device settings.
CACL CREDIT CARD MOBILE APP
CACL Credit Card Mobile App DOES NOT use geolocation information.
IMAGE AND COLLECTION USAGE
Our banking app may collect and utilize user images for various purposes aimed at enhancing user experience and providing specific functionalities. Users maintain control over the camera access and usage within the app. Camera access is explicitly requested when the app requires image capture for any functionality. Users can enable or disable camera access at any time through the app's settings. Disabling camera access will prevent the app from utilizing the camera for any functionality requiring image capture. We are committed to protecting the privacy and security of our users' information. Any images collected are used solely for the intended purposes outlined above and are not shared with any unauthorized parties. By using our app, you consent to the collection and usage of images as described in this privacy policy.
PRIVACY DISCLOSURE
CACL Federal Credit Union, your member-owned financial institution, is committed to providing you with competitive products and services to meet your financial needs and help you reach your goals. We are equally committed to protecting the privacy of our members. Under federal law, we are required to give you this privacy notice. It describes our credit union's privacy policy and practices concerning the personal information we collect and disclose about our members. It also includes information about the parties who receive personal and sometimes nonpublic information from us as we conduct the business of the credit union.
To ensure that you can rely upon the quality of products and services we make available, CACL Federal Credit Union stands behind the following privacy policy:
| FACTS | WHAT DOES CACL FEDERAL CREDIT UNION DO WITH YOUR PERSONAL INFORMATION? | ||
| Why? | Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. | ||
| What? | The types of personal information we collect and share depend on the product or service you have with us. This information can include:
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| How? | All financial companies need to share members’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members’ personal information; the reasons CACL Federal Credit Union chooses to share; and whether you can limit this sharing. | ||
| Reasons we can share your personal information | Does CACL Federal Credit Union share? | Can you limit this sharing? | ||
| For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or to report to credit bureaus |
Yes | No | ||
| For our marketing purposes – to offer our products and services to you |
Yes | No | ||
| For joint marketing with other financial companies | Yes | No | ||
| For our affiliates’ everyday business purposes – information about your transactions and experiences |
No | We don't share | ||
| For our affiliates’ everyday business purposes – information about your creditworthiness |
No | We don't share | ||
| For our affiliates to market to you | No | We don't share | ||
| For nonaffiliates to market to you | No | We don't share | ||
| Questions? | Call (570) 628-2400 or go to www.caclfcu.org | |||
| What we do | ||||
| How does CACL Federal Credit Union protect my personal information? | To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. | |||
| How does CACL Federal Credit Union collect my personal information? | We collect your personal information, for example, when you
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. |
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| Why can’t I limit all sharing? | Federal law gives you the right to limit only
State law and individual companies may give you additional rights to limit sharing. |
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| Definitions | ||||
| Affiliates | Companies related by common ownership or control. They can be financial and nonfinancial companies.
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| Non- Affiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies.
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| Joint Marketing | A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
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If after reading this notice you have questions, please contact us at:
(570) 628-2400
Or write to:
CACL Federal Credit Union
C/O Compliance Committee
1800 West Market Street
Pottsville, PA 17901-2002
