Deposit Rates
We consistently offer the highest deposit rates available right here in Schuylkill County. Put your money to work smarter and harder with our deposit products and watch your money grow!
Share Rates
As of November 6, 2025
| Type | Minimum Balance to Earn APY | APY1 |
|---|---|---|
| Membership Savings | $50 | 0.50% |
| HY WOW! Checking | $0 | 0.1%/1%2 |
| Prime Checking | $0-$10,000 | 5.00%3 |
| IRA Savings | $50 | 1.00% |
| Basic Savings | $50 | 0.45% |
| Christmas Savings | $50 | 0.45% |
| Vacation Savings | $50 | 0.45% |
| Escrow Account | $0 | 0.05% |
1APY = Annual Percentage Yield.
2The Annual Percentage Yield is subject to change. Membership requires a minimum of $5 in a Membership Savings Account. Sign up for eStatements and make 10 POS transactions per month to earn 1.0% stated APY. Fees or other conditions may reduce earnings. Contact the Credit Union for more information.
3APY may change at any time. When monthly requirements are met, you will earn 5.00% APY on the portion of your average daily balance from $0 to $10,000, and 0.10% APY on any portion above $10,000. If monthly requirements are not met, all balances earn 0.10% APY. Monthly requirements to earn the stated APY: Complete a combined total of 20 cleared debit card or ACH transactions by one day before the end of the month. Enroll in e-statements. Receive $500 or more in direct deposit or ACH each month. Rates may change after the account is opened. Fees may reduce earnings. Limit one account per primary member.
Get Started
Money Market
As of November 6, 2025
| Balance Required to Earn APY | Dividend Rate | APY1 |
|---|---|---|
| $2,000.00–$19,999.99 | 1.98% | 2.00% |
| $20,000.00–$74,999.99 | 2.72% | 2.75% |
| $75,000.00–$499,999.99 | 2.96% | 3.00% |
| $500,000.00+ | 2.96% | 3.00% |
1APY = Annual Percentage Yield
The Annual Percentage Yield is subject to change. Money Market accounts require a minimum balance of $2,000.00 to be opened. Fees or other conditions may reduce earnings. Contact the Credit Union for more information.
Learn More
Certificate Rates
As of January 14, 2026
| Term | APR1 | APY2 |
|---|---|---|
| 3 Months | 3.64% | 3.70% |
| 6 Months | 3.59% | 3.65% |
| 9 Months | 3.51% | 3.57% |
| 12 Months | 3.44% | 3.50% |
| 18 Months | 3.44% | 3.50% |
| 24 Months | 3.40% | 3.45% |
| 30 Months | 3.15% | 3.20% |
| 36 Months | 3.15% | 3.20% |
| 42 Months | 3.15% | 3.20% |
| 48 Months | 3.01% | 3.05% |
| 54 Months | 3.01% | 3.05% |
| 60 Months | 3.20% | 3.25% |
| 120 Months | 3.01% | 3.05% |
1APR = Annual Percentage Rate 2APY = Annual Percentage Yield
The dividend APR and APY are fixed and will be in effect for the term of the account. Minimum deposit required to open an account $500.00 to earn the stated Annual Percentage Yield. Fees or other conditions may reduce earnings. The APY is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings. We may impose a penalty if you withdrawal any of the principal before the maturity date. Contact the Credit Union for more information.
Learn More
IRA Certificate Rates
As of November 6, 2025
| Term | APR1 | APY2 |
|---|---|---|
| 3 Months | 3.64% | 3.70% |
| 6 Months | 3.59% | 3.65% |
| 9 Months | 3.51% | 3.57% |
| 12 Months | 3.44% | 3.50% |
| 18 Months | 3.44% | 3.50% |
| 24 Months | 3.40% | 3.45% |
| 30 Months | 3.15% | 3.20% |
| 36 Months | 3.15% | 3.20% |
| 42 Months | 3.15% | 3.20% |
| 48 Months | 3.01% | 3.05% |
| 54 Months | 3.01% | 3.05% |
| 60 Months | 3.20% | 3.25% |
| 120 Months | 3.01% | 3.05% |
1APR = Annual Percentage Rate 2APY = Annual Percentage Yield
The dividend APR and APY are fixed and will be in effect for the term of the account. Minimum deposit required to open an account $500.00 to earn the stated Annual Percentage Yield. Fees or other conditions may reduce earnings. The APY is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings. We may impose a penalty if you withdrawal any of the principal before the maturity date. Contact the Credit Union for more information.
Loan Rates
Rates are subject to change without notice. The APR1 rates listed below are the lowest available and may vary based on credit qualifications.
Auto Loan Rates
As of November 18, 2025
| Type | 24 Months | 36 Months | 48 Months | 60 Months | 72 Months | 84 Months | 96 Months | 120 Months |
|---|---|---|---|---|---|---|---|---|
| New Vehicle2 | -- | 4.99% | 4.99% | 4.99% | 5.49% | 5.99% | 6.19% | 7.99% |
| Used Vehicle3 | -- | 4.99% | 4.99% | 4.99% | 5.49% | 5.99% | -- | 7.99% |
| Older Used Vehicle4 | 4.99% | 4.99% | 4.99% | 4.99% | 5.49% | 7.99% | -- | -- |
| Classic Car5 | 5.99% | 5.99% | 5.99% | 5.99% | 6.99% | 6.99% | 6.99% | -- |
1APR = Annual Percentage Rate. Your actual APR will depend on several factors, including credit history, loan type, vehicle year, mileage, term, and loan amount. Rates are subject to change at any time.
2Eligible for current model year vehicles. Previous model year vehicles are considered “new” through March 31st of the current year. Maximum term: 120 months.
3Applies to vehicles from the current model year and up to five years old. Maximum term: 120 months (mileage may limit term options).
4Eligible for vehicles six to twelve model years old from the current model year. Vehicles over 12 years require Loan Committee approval. Maximum term: 72 months (mileage may limit term options).
5Eligible for vehicles 20 years or older from the current model year. Maximum term: 96 months (mileage may limit term options). A $100 appraisal fee applies.
Home Loan Rates
As of September 11, 2025
| Type | APR as low as |
|---|---|
| Mortgage 1 | 5.40% |
| Home Equity Line Of Credit 2 | 7.00% |
| No Equity Home Improvement 3 | 6.99% |
| Home Equity 3 | 4.89% |
1 Mortgage rates are fixed and determined by your credit score and loan term. The advertised rate represents our lowest available rate for borrowers with excellent credit; your actual rate and terms may vary. A minimum down payment of 3% is required, and all mortgage loans are subject to credit approval and a property appraisal, which includes an appraisal fee. Additional fees and closing costs will apply.
2 Actual rates will vary based on creditworthiness, loan amount, and loan term. The advertised rate represents our lowest available rate for borrowers with excellent credit; your actual rate and terms may differ. The regular line of credit rate is based on the Prime Rate, as published in the Wall Street Journal on the last business day of the previous month, plus or minus a margin determined by your individual creditworthiness. The maximum APR is 18%, and all balances will accrue interest at the variable APR applicable to your account. All mortgage loans are subject to credit approval and a property appraisal, which includes an appraisal fee.
3 Rates are fixed for the life of the loan and are determined by your credit history. The advertised rate is our lowest available is offered to borrowers with excellent credit — your actual rate and terms may vary. Home Equity loans are subject to a property appraisal, which includes an appraisal fee. No Equity Home Improvement loans are not subject to a property appraisal.
For a one-time $5 fee, unlock all the advantages of membership—including access to all our loan options.
Personal Loan Rates
As of September 11, 2025
| Type | APR as low as |
|---|---|
| Signature Unsecured Loan1 | 8.99% |
| Fresh Start Signature Loan2 | 18% |
| Premium Personal Line of Credit3 | 5% |
| Shared Secured Loan4 | 3.49% |
| CD Secured Loan5 | 5.55% |
| Money Market Secured Loan6 | 3.49% |
1Loan approval, rate, and term are based on individual credit history and qualifications. Payments and interest rate remain fixed for the term of the loan. A non-refundable $25 application fee applies.
2Interest rates and payment amount is fixed for the life of the loan. Rates and terms are based on creditworthiness and may change without notice. A non-refundable $35 application fee applies.
3Rates are variable and based on the Prime Rate plus a margin. The rate and payment may increase or decrease as the Prime Rate changes. A $25 application fee and a $25 annual fee apply. Credit approval required.
4Requires funds in a CACL Federal Credit Union account be held as collateral. Rate, payment, and term remain fixed for the life of the loan. Loan approval is subject to creditworthiness and account status.
5Loan must be secured by a CACL Federal Credit Union Share Certificate. Payments are fixed for the term of the loan; however, the interest rate is variable and subject to change. Loan approval is based on creditworthiness.
6Loan must be secured by a CACL Federal Credit Union Money Market Account. Rate, payment, and term remain fixed for the life of the loan. Loan approval is based on creditworthiness.
Credit Cards
As of September 11, 2025
| Type | APR as low as |
|---|---|
| Reward Card1 | 14.75% |
| Secured Card1 | 13.25% |
| Low Rate Card1 | 12.75% |
| Business Card1 | 13.25% |
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.
Ready to unlock your financial potential?
Join today and gain access to limitless financial possibilities!