Credit union · NCUA insured
CACL Federal Credit Union
Top CarrotA $250.8M credit union headquartered in Pottsville, PA, with 17,024 members and 4 branches in Pennsylvania. Best rates: CDs 3.70% and savings 2.00% APY.
CACL Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 77% of U.S. banks and credit unions
#1 of 10 in Pottsville, PA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About CACL Federal Credit Union
Chartered in 1953 as a credit union for post office employees, CACL was named for the carriers and clerks who worked there.
The local, member-owned credit union serves neighbors across Schuylkill County, Pennsylvania.
Its main branch is located in Pottsville, Pennsylvania.
- Headquarters
- 1800 W Market St, Pottsville, PA 17901
- NCUA charter
- 8523
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, volunteer, or attend school in Schuylkill County are eligible for membership.
Cost to join
- A $5 deposit into a new savings account is required to open an account and gain access to membership benefits.
Branches
4 branches in Pennsylvania
Loading map…
Pennsylvania
4 branches
- Main OfficeMain office1800 W Market St, Pottsville, PA 17901Directions
- Loan Department1816 W Market St, Pottsville, PA 17901Directions
- St Clair Branch697 Port Carbon St Clair Hwy, Pottsville, PA 17901Directions
- Route 183 Branch757 S Route 183, Schuylkill Haven, PA 17972Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.05% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.73% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.02% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $94 | $76 | — |
- CapitalNet worth ratio10.05%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.73%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.02%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$94Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of CACL Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.