The HY WOW! Difference

Helping You When Others Won't!

As a member-owned financial institution, our focus is simple: helping our members navigate life's financial ups and downs.

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HY WOW! is Our Way of Life

We transform every member's interaction into a personalized experience where we build genuine relationships. When a direct solution isn't available, we don't just stop—we search, explore, and uncover other opportunities.

Whether you're working to restore your credit, striving for financial stability, or celebrating milestones like purchasing your first home or dream car, we are your financial partner through it all.

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Our Mission

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

Our Vision

Building and empowering our community through banking.

Our Core Values

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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.

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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.

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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.

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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!

 

Why Choose a Credit Union?

Banks are for-profit companies that answer to shareholders. Credit unions like CACL are not-for-profit and member-owned — meaning our sole purpose is to serve you. For your money, that typically means:

  • Competitive rates on loans: More of your payment goes toward what you're financing
  • Strong returns on savings: Earnings flow back to members, not shareholders
  • Local decision-making: By people who know Schuylkill County

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Community Support 2

We Support Schuylkill County

We are invested in the vibrant heartbeat of Schuylkill County, pouring our energy into every corner of its community. We sponsor local family events and support our firehouses. Our team consistently uplifts our neighbors through caring acts of selfless service. We don't just exist within Schuylkill County; we are woven into its fabric, showing up wherever connection and support are needed most.

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

See What Our Team Says

We look into your situation specifically, setting you up for success in the future to make sure that regardless of what happens in the past, we are here to help you project yourself into a more promising financial future.

Nick, Loan Officer

HY WOW means taking the time to listen and understand each situation, and doing our best to offer any means or alternatives available to help. In many cases this also involves going the extra mile to guide a member through a process to achieve their goals.

Ryan, Loan Manager

We take the time to understand that life happens, and we are here to understand and assist you to the best of our ability.

April, Collections Clerk

Putting yourself in someone else's shoes. We treat each member with compassion and professionalism, as we would want to be shown.

Tiffany, Loan Officer

HY WOW helps members who may be struggling to establish credit, members with low or no credit score often struggle to find a financial institution that will give them a chance, at CACL we are happy to offer that chance!

Emily, Credit Card Specialist

It means that we are invested in our community. That we know who we serve and offer products that match up to our community's needs.

Carolyn, Pottsville Branch Manager

The HY WOW! Difference FAQs

HY WOW stands for "Helping You When Others Won't" — CACL's commitment to finding solutions for members even when other financial institutions turn them away. It shapes how we lend, how we listen, and how we serve members through every financial situation.
Banks are for-profit institutions owned by shareholders, while credit unions are not-for-profit cooperatives owned by their members. Because credit unions return earnings to members instead of shareholders, they typically offer more competitive rates on loans, stronger returns on savings, and service focused on members' financial well-being.
Yes. Deposits at CACL are federally insured up to at least $250,000 by the National Credit Union Administration (NCUA), a U.S. government agency. NCUA insurance provides the same level of protection for credit union deposits that FDIC insurance provides for bank deposits.
Anyone who lives, volunteers, works, or worships in Schuylkill County. Visit our Membership Eligibility page to see if you qualify — becoming a member takes just a few minutes. 
Yes. Helping members rebuild or establish credit is central to the HY WOW! Difference — Helping You When Others Won't. Our team takes the time to understand your situation and works to find loan and credit card options that fit, even if other financial institutions have turned you down.

Yes. CACL offers business loans and business credit cards alongside personal banking, all with the same member-first approach.

Your Money Stays in Schuylkill County

That's right! Your hard-earned money remains circulating right here in Schuylkill County, benefiting members of the community!

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

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Family of three outdoors, happy and enjoying the summer with financial peace of mind