Why Choose a Credit Union?

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The Credit Union Difference

If you're exploring your financial options and haven't yet considered a credit union, we would like to help you understand the key differences between traditional banks and credit unions. Unlike banks, which operate as for-profit entities, directly benefitting external shareholders, credit unions are not-for-profit, member-owned institutions, meaning their sole purpose is to serve you. This difference means financial advantages, including lower interest rates on loans—allowing you to save money, alongside higher returns on your savings and deposit accounts, ensuring your hard-earned money works harder for you!

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The HY WOW! Difference
Happy woman getting the keys to a new car. Her financial goal is achieved.
A financial advisor is meeting with a young man, shaking hands in an office. The young man is receiving a personalized experience that is a mutual benefit to both people.

Personalized Member Service

You'll discover a refreshing commitment to personalized service that prioritizes your financial well-being, regardless of your financial status. Choosing a credit union isn't just an alternative; it's a powerful step towards a brighter economic future, built on trust, community, and mutual benefit!

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The HY WOW! Difference

Our Mission

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

Our Vision

Building and empowering the community through banking.

Our Core Values

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.

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.

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.

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!

Caring volunteers planting a tree to show support and kindness for the local people and showing support to those who need it the most.

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

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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A Multiethnic family is happy and outside, enjoying the day and spending family time together. Experiencing financial freedom with the support of a credit union.