CACL Credit Union Pottsville PA | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Cacl, your trusted partner in financial services located at 1816 W Market St, Pottsville, PA 17901. Since our establishment in 1953, we have been dedicated to serving our community with integrity and reliability. With a total membership of over 16,000, we pride ourselves on being more than just a credit union; we are a vital part of the Pottsville community. At Cacl, our commitment to our members is reflected in our impressive financial standing. We manage total assets of $210,894,153 and facilitate a diverse range of loans totaling 22,153. Our robust deposit base stands at $6,313,590, showcasing the trust that our members place in us. With a net worth of $23,276,580 and cash reserves amounting to $2,093,923, we ensure that your money is safe and working for you. Our leadership team is passionate about empowering members. Under the guidance of CEO John Hession and Board President James Kramer, we continuously strive to enhance the banking experience for everyone who walks through our doors. While members can visit us at our branch location for personalized service, official correspondence should be sent to our mailing address: 1800 W Market St, Pottsville, PA 17901. Whether you're looking for personal banking solutions like checking and savings accounts or seeking financing options such as auto loans or mortgages, Cacl has you covered. Our dedicated team is here to help you navigate your financial journey with confidence. Feel free to reach out to us at (570) 628-2400 or explore more about our services on our website: Cacl Financial. We invite you to join us in building a brighter financial future together!

Branch History & Mission

Welcome to Cacl, a credit union deeply rooted in the community of Pottsville, PA. Since opening our doors in 1953, we have grown alongside our members, serving as a trusted partner in their financial journeys. Our commitment to building lasting relationships has helped us expand our membership to over 16,061 individuals and families who count on us for their banking needs. Located at 1816 W Market St Pottsville Pa 17901, just a stone's throw from local landmarks, our branch is more than just a place to conduct transactions; it's a hub of support and encouragement. While members can visit us at this address, official correspondence should be sent to our mailing address at 1800 W Market St, Pottsville, PA 17901. At the heart of Cacl lies our mission: to empower our members with exceptional financial services while fostering a spirit of community. We believe that financial success goes hand in hand with community growth. Our array of services includes personal banking, auto loans, mortgages, and business banking solutions tailored to meet diverse needs. Over the years, we have achieved significant milestones that showcase our dedication to innovation and accessibility. Although we currently do not offer ATM services or drive-thru banking, we are proud to provide online and mobile banking options that allow our members to manage their finances conveniently from anywhere. We prioritize ADA compliance, ensuring all members can access our services without barriers. Our journey has been marked by partnerships within the community, allowing us to contribute actively through various outreach programs and initiatives. We strive to support local events and organizations that make Pottsville a better place for everyone. With total assets now exceeding $210,894,153, we stand strong as a reliable financial institution ready to help you achieve your goals. Whether you are looking for competitive rates on loans or guidance on saving for your future, our knowledgeable staff is here to assist you every step of the way. Join us at Cacl today! Experience the benefits of being part of a credit union that values your financial well-being and is committed to making a positive impact in your life and the wider community. Feel free to reach out at (570) 628-2400 during our operating hours: Monday - Wednesday 8:00 AM - 5:00 PM and Thursday - Friday 8:00 AM - 6:00 PM. Together, let's build a brighter financial future!

Branch Location & Accessibility

Accessibility Features

At Cacl, we prioritize making banking accessible for everyone. Our branch is fully ADA compliant, featuring ramps and designated parking spots to ensure all members can navigate comfortably. We also offer easy access to our lobby during operating hours.

Contact Us

Got questions? Don't hesitate to reach out! You can call us at 570-628-2400 for any inquiries or assistance you may need. We look forward to welcoming you into our Cacl family!

Convenient Hours

We understand that life can get busy. That's why our lobby hours are designed with your schedule in mind: we're open Monday through Wednesday from 8 AM to 5 PM and Thursday through Friday from 8 AM to 6 PM. Stop by anytime during these hours; we'd love to help with your personal banking needs!

Services Offered

Cacl offers a range of services tailored just for you! From checking and savings accounts to auto loans and mortgage refinancing, we cover all your financial needs under one roof. Though we currently do not have ATM or drive-thru services available, our friendly staff is ready to assist you in person.

Member Eligibility

At Cacl, we believe that everyone deserves a chance to be part of a caring and supportive community. Joining us as a member is straightforward and welcoming! If you live, work, worship, or attend school in the Pottsville area, you're likely eligible to become part of our family. We cherish every new member and aim to provide personalized services tailored just for you. By becoming a member at Cacl, you gain access to a range of financial products designed with your needs in mind, from checking accounts to loans and more. Ready to take the next step? Opening an account with us is easy! For more details on eligibility criteria. If you're all set to join, visit our account opening page here: https://banking.caclfcu.org/loan-application. Have questions? Don't hesitate to reach out at (570) 628-2400; our friendly team is eager to help you on your journey!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $137 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $17,147,586, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine having a payment solution that works as hard as you do. Our merchant services provide businesses with the tools they need to accept payments easily and securely, allowing you to focus on what matters most running your business. Whether it's in-person transactions or online sales, we've got you covered. If you're located near us at 1816 W Market St Pottsville Pa 17901, Pottsville, PA, come visit us or give us a call at (570) 628-2400 to learn more about how we can support your business journey!

Comprehensive List Of Services

Additional Services

While we currently do not have ATMs or drive-thru service available at this branch, our dedicated team is always ready to assist you with cash withdrawal services directly at the branch during our operating hours: Monday through Wednesday from 8:00 AM to 5:00 PM, and Thursday through Friday from 8:00 AM to 6:00 PM. At Cacl, we pride ourselves on being more than just a credit union; we are a community partner committed to helping you achieve financial wellness. For any questions or to learn more about how we can serve you better, please don't hesitate to call us at (570) 628-2400 or visit us online at Loan Department. Ready to take control of your financial future? Visit us today!

Business Banking

For our local businesses, we offer specialized services such as merchant services that help streamline payment processing, along with business loans tailored to support your growth ambitions. We believe in empowering small businesses because they are vital to our community's economy.

Convenient Online & Mobile Banking

In today's fast-paced world, convenience is key. Our robust online and mobile banking features allow you to manage your accounts anytime, anywhere. You can check balances, transfer funds, and even make payments all from the palm of your hand. With these digital tools, banking becomes not just easier but also more accessible.

Credit Cards & Rewards

Who doesn't love rewards? With our credit cards featuring rewards programs, you can earn points on everyday purchases that can be redeemed for exciting perks. It's a simple way to maximize your spending while enjoying benefits that suit your lifestyle.

Personal Banking

We understand that managing your money is crucial for your peace of mind. That's why we offer various checking and savings accounts designed for different lifestyles and goals. If you're considering buying a new car, our auto loans and vehicle financing options provide competitive rates to help you drive away in your dream vehicle without breaking the bank. Homeownership is a significant milestone, and our mortgage loans and refinancing services make it easier than ever. Our knowledgeable staff will guide you through the mortgage process, ensuring you find the right fit for your financial situation. For those unexpected expenses or plans that require some extra cash, our personal loans and debt consolidation options can help simplify your finances.

Digital & Online Banking

Key Features

Our online banking service is not just about convenience; it's also about security. You can check your balances, transfer funds, and pay bills with confidence, knowing that your information is protected. We prioritize your safety with advanced security measures, ensuring that your data remains private. For those who prefer mobile access, our user-friendly mobile application makes banking even easier. With the app, you can manage your accounts from the palm of your hand. Need to send money to a friend? Our person-to-person transfer feature lets you do just that quickly and securely. We also provide e-statements for all members, so you can view and download your account statements whenever you want no more waiting for paper copies in the mail! Plus, while we currently don't offer electronic signature authorization or mobile payment options, we are committed to enhancing our services to meet your needs better. Managing your money should be simple and accessible. At Cacl, we're dedicated to providing you with the tools you need for real-time account management. Visit us today at https://www.caclfcu.org/ and discover how easy digital banking can be!

Financial Strength

A Dedicated Team

We also take pride in having 56 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. The dedication of our staff plays a crucial role in maintaining the high level of service that our members expect.

Growing Together

Net Shares (Funds available for lending and investments): $31,334 a sign of our commitment to supporting your financial needs. With a total of 31,947 deposit accounts, we show that more people trust us with their finances every day. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Cacl is your trusted partner. Visit us at 1816 W Market St Pottsville Pa 17901 or call (570) 628-2400 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $51,741,442 in share certificates and $41,897,434 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $1,550,367, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Our Solid Foundation

With a net worth of $23,276,580, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This figure reflects our ability to manage resources wisely and serve our members effectively. Our net worth ratio of 10.98% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. This ratio highlights our commitment to maintaining a healthy balance sheet.

Reinvestment for Growth

With $22,207,184 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This reinvestment strategy allows us to continually improve the services we provide. Our lending capacity is robust, with $6,992 in used auto loans and $170,841,021 in total loans and leases available to support your financial goals across various sectors. Our $459,935 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $32,310,826 in used vehicle loans and $7,090,941 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or a reliable used one, our flexible terms can fit your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $17,147,586 provide the capital needed to grow and expand. We understand the unique challenges that come with running a business and are here to support your ambitions. If you're considering refinancing any of these loans or would like more information on eligibility options, our team is ready to assist you every step of the way. You can reach us at (570) 628-2400, or visit us at our branch located at 1816 W Market St Pottsville Pa 17901, Pottsville, PA. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take the next step toward achieving your financial dreams!

Credit Lines and Unsecured Credit Cards

For those who prefer flexibility, we also offer various credit lines totaling $21,552,353. These options allow you to access funds as needed without having to apply for a new loan each time. Additionally, our unsecured credit card loans amounting to $4,916,634 enable members to manage their finances effectively while enjoying rewards on everyday purchases.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $47,242,036, make buying or refinancing simple. We provide competitive rates and personalized service to help you navigate the home-buying process smoothly.

Loan Aggregator

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CACL FEDERAL CREDIT UNION - Pottsville, PA

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