CACL Credit Union Pottsville PA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Cacl, your trusted partner in financial services located at 697 Port Carbon St Clair Hwy, Pottsville, PA 17901. Established in 1953, our credit union has been dedicated to serving the community with integrity and commitment. With a strong membership base of 16,061 individuals, we understand that each member's needs are unique, and we are here to help you achieve your financial goals. At Cacl, we take pride in our impressive assets totaling $210,894,153 and robust deposits amounting to $6,313,590. Our commitment to providing you with valuable financial products is reflected in our diverse loan offerings, which include over 22,153 loans and leases tailored for both personal and business needs. As a member-focused institution, we prioritize your financial well-being, ensuring that every dollar you deposit is utilized effectively to grow your wealth. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to our mailing address at 1800 W Market St, Pottsville, PA 17901. Our leadership team is led by CEO John Hession and Board President James Kramer, who work tirelessly to maintain a culture of transparency and service excellence. With a dedicated staff of 57 employees, we strive to create a welcoming environment where you can feel secure about your finances. Whether you're looking for personal banking solutions like checking and savings accounts or need assistance with auto loans or mortgages, we're here for you. Enjoy the convenience of online banking and mobile services designed for your busy lifestyle. Ready to take the next step? Visit us today or call us at 570-628-2400 to learn more about how Cacl can support your financial journey!

Branch History & Mission

Join Us

We invite you to become part of the Cacl family. Experience firsthand how we combine modern technology with personal service to meet your financial needs. Visit us during our operating hours Monday through Wednesday from 7:30 AM to 5:00 PM, Thursday and Friday from 7:30 AM to 6:00 PM, and Saturday from 10:00 AM to 2:00 PM or give us a call at 570-628-2400. Join us today and discover how Cacl can help you achieve your financial dreams while being part of a supportive community!

Modern Services

In addition to traditional banking services, we offer online and mobile banking options that keep you connected on your terms. With features like person-to-person payments and access to ATMs, managing your finances has never been easier. Our branch also includes drive-thru banking for quick transactions and accessibility for all members. While members can visit us at 697 Port Carbon St Clair Hwy, official correspondence should be sent to 1800 W Market St, Pottsville, PA 17901.

Our Journey

From humble beginnings, Cacl has grown steadily over the decades. We started with a mission to provide accessible financial services tailored to the unique needs of our members. Through hard work and a focus on community values, we have evolved into a trusted financial institution that prioritizes our members' needs above all else. Our friendly staff is here to assist you with everything from personal banking and auto loans to business banking services.

Our Mission

At Cacl, our mission is clear: to empower our members through exceptional financial services while fostering a sense of community and support. We aim to make banking easy and accessible for everyone. Whether you're looking for checking and savings accounts, mortgage loans, or credit cards with rewards, we're here to help you achieve your financial goals. Our commitment goes beyond just providing financial products; we actively engage in community outreach efforts and partnerships that strengthen the neighborhoods we serve. We believe that when our community thrives, we thrive together.

Branch Location & Accessibility

Call to Action

If you're in the area, come visit us at Cacl! We're excited to serve your banking needs and help you achieve your financial goals. For any inquiries, feel free to give us a call at 570-628-2400. We look forward to welcoming you soon!

Nearby Landmarks and Accessibility Features

Located just a stone's throw from the scenic Schuylkill River, our branch is easily reachable by car or public transportation. We take pride in being accessible to all members of the community, featuring ADA-compliant facilities including ramps for those who need them. Plus, we offer ample parking for your convenience.

Operating Hours and Services

At Cacl, we understand that banking needs can arise at any time. That's why we're open Monday through Wednesday from 7:30 AM to 5:00 PM, Thursday and Friday from 7:30 AM to 6:00 PM, and Saturday from 10:00 AM to 2:00 PM. Whether you need assistance with checking and savings accounts or are interested in applying for a mortgage loan or credit card with rewards, our knowledgeable staff is ready to assist you during these hours. We also offer convenient drive-thru banking services for quick transactions like deposits and withdrawals. And if you're on the go, don't forget that we have ATM access available for balance checks and cash withdrawals.

Member Eligibility

At Cacl, we believe that everyone deserves the opportunity to join a supportive community that prioritizes your financial well-being. Becoming a member is simple and welcoming! If you live, work, or worship in our local area, you're likely eligible to join us. We also extend membership to immediate family members of existing members, making it easy for families to benefit from our services together. As a member of Cacl, you'll enjoy personalized banking solutions, competitive rates on loans, and access to resources designed to help you thrive financially. If you're ready to take the next step towards becoming part of our family, opening an account is just a click away! You can find all the details you need about eligibility by visiting this link for the latest updates. For more information or assistance, feel free to give us a call at (570) 628-2400. We look forward to welcoming you into our community at 697 Port Carbon St Clair Hwy Pottsville Pa 17901!

Business Banking & Commercial Services

Merchant Services That Work for You

Imagine running your business without the hassle of complicated payment systems. Our merchant services streamline transactions, allowing you to focus on what you do best serving your customers. From card processing to point-of-sale solutions, we equip you with the tools needed to enhance customer satisfaction and boost sales. Located at 697 Port Carbon St Clair Hwy Pottsville Pa 17901 in Pottsville, PA, our dedicated team is here to help you navigate the financial landscape and achieve your business goals. Don't hesitate to reach out at (570) 628-2400 for personalized assistance!

Tailored 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.

Comprehensive List Of Services

Additional Services

Moreover, if you're ever in a hurry, our basic drive-thru banking allows for quick deposits and withdrawals without stepping inside the branch. It's all about making banking work for you! We invite you to explore all these services at St Clair Branch! For any questions or assistance, feel free to reach out at (570) 628-2400 during our operating hours: Monday through Wednesday from 7:30 AM to 5:00 PM; Thursday through Friday from 7:30 AM to 6:00 PM; and Saturday from 10:00 AM to 2:00 PM. Don't wait take advantage of everything we have to offer! Visit us today or check out our website at https://www.caclfcu.org/ to learn more about how we can assist you in achieving your financial goals.

Business Services

For our local businesses, Cacl provides comprehensive business banking services, including merchant services and business loans designed to help you grow. We understand the challenges of running a business; that's why we're committed to being your financial partner every step of the way.

Credit Options

In addition to these services, we know that life can throw unexpected expenses your way. That's where our personal loans and debt consolidation come into play. Whether it's covering medical bills or consolidating existing debt into one manageable payment, we're here to help ease your financial burden. And don't forget about our credit cards with rewards they're perfect for making everyday purchases while earning points for cash back or travel.

Digital Banking Features

We recognize the importance of convenience in today's fast-paced world. That's why we offer robust online and mobile banking features. You can access your accounts from the comfort of your home or on-the-go via our mobile app. Need cash? Our ATMs provide easy access for withdrawals and balance checks whenever you need them.

Personal Banking

Managing your personal finances should be straightforward, and that's why we offer various options like checking and savings accounts. Imagine having a place where you can easily deposit your paycheck, save for that vacation you've always wanted, or set aside funds for emergencies. With our competitive rates and user-friendly online banking platform, you can monitor your accounts anytime, anywhere. If you're considering buying a new car or refinancing your current vehicle, our auto loans and vehicle financing options provide flexible terms that suit your budget. Picture yourself driving off in a new car with payments that won't break the bank. Plus, we also offer mortgage loans and refinancing solutions so you can own your dream home without hassle.

Digital & Online Banking

Key Features

Our 24/7 online banking services allow you to check balances, pay bills, and transfer funds whenever it suits you. No more rushing to the branch before closing time; everything you need is right at your fingertips. You can also take advantage of e-statements, which provide a quick and eco-friendly way to keep track of your transactions without the clutter of paper. For those who enjoy sending money to friends or family, our person-to-person transfer feature makes it simple and quick. Just a few taps on your mobile device or computer, and the money is on its way! Plus, if you're always on the go, you'll love our mobile application. It brings all the functionalities of online banking right to your pocket, allowing you to manage your finances from anywhere.

Security You Can Trust

We prioritize your security with robust measures in place. Your information is protected while you bank online, ensuring that every transaction is safe. While we currently do not support electronic signature authorization for documents, you can rest assured that your personal details are safeguarded. Whether you're using our website or mobile app, you'll find our services designed for ease of use. Enjoy real-time account management without any hassle it's all part of how Cacl puts your needs first. Explore these features today by visiting https://www.caclfcu.org/ and discover how easy banking can be!

Financial Strength

At Cacl, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share our strong financial position, which reflects our commitment to serving you with reliability and trust. 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. 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. 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. 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. Our lending capacity supports members' financial goals across various sectors with $6,992 in used auto loans and $170,841,021 in total loans and leases. While our current net income stands at $0, it illustrates our careful management of resources as we focus on enhancing member benefits. 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. Net Shares (Funds available for lending and investments): $31,334. Total Share Accounts: 31,947, showing a strong and growing member base that trusts us with their finances. 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 697 Port Carbon St Clair Hwy Pottsville Pa 17901 or call (570) 628-2400 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Additional Financing Options

For those looking for additional credit lines, we provide options that total $21,552,353. This allows you access to funds when you need them most without the hassle. If you're considering refinancing any of your existing loans or exploring eligibility options, our team is here to guide you through the process and find the best plan for your situation. If you're ready to take the next step towards achieving your financial dreams, visit us at 697 Port Carbon St Clair Hwy Pottsville Pa 17901, Pottsville, PA, or give us a call at (570) 628-2400. For performance insights and financial data, please refer to the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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 model or a reliable pre-owned vehicle, our competitive rates make it easier than ever.

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 tailored solutions to meet your specific circumstances, whether you're purchasing your first home or refinancing an existing mortgage.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $4,916,634 in loans helping members manage their finances effectively. These cards come with features designed to make everyday purchases more manageable while allowing you to build your credit history.

Loan Aggregator

Ensuring Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This ensures that users receive fair and transparent offers when comparing loan options. By relying on verified data, LendMesh builds a foundation of trust for its users.

Key Benefits of Using LendMesh

- Verified Data: All loan offers are sourced from legitimate financial institutions, ensuring transparency in every comparison. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions. The focus remains on providing unbiased results that help users make informed choices. - Real-Time Rate Comparisons: Users can access up-to-date loan rates from multiple institutions, empowering them to choose the best option for their needs. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimony reflects the real impact LendMesh has had on individuals seeking better loan terms. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

CACL FEDERAL CREDIT UNION - Pottsville, PA

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