The HY WOW! Difference

Helping You When Others Won't!

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We're Here for You When Times Get Tough

We are committed to walking with you on every step of your financial journey. We don't just hear you; we truly listen, dedicating the time to understand your circumstances and goals. Unlike institutions that might step back when challenges arise, we choose to lead with genuine understanding, practical flexibility, and authentic care. Your financial peace of mind isn't just our goal; it is our mission.

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Membership Eligibility
Financial advisors surround a woman as they congratulate her and give her a high-five in the office. They are providing authentic care, and she is achieving financial peace of mind.

Our Mission

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

Our Vision

Building and empowering the community through banking.

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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Manage Your Debt

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Rebuild Your Credit

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Grow Your Money

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Save for the Future

CACL Financial staff members complete yard work as volunteers in the local community of Schuylkill County.

We support Schuylkill County

Unlike big banks, we are genuinely invested in the heartbeat of Schuylkill County. We sponsor local family events, provide support to our firehouses, and passionately assist local animal shelters. Our dedicated team finds immense joy in volunteering at special needs events and consistently uplifts our neighbors through acts of service. We don't merely exist within Schuylkill County; we are 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

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

You are not "just a number". Our Members are individuals with different needs. We listen to understand. We are non-judgmental. Sometimes bad things happen to good people and that is ok. We work with our members to find the solution that will work best for them.

Denise, Chief Member Experience 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

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