Credit union · NCUA insured
CACL Federal Credit Union Auto Loan Rates
Top CarrotCACL Federal Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 16, 2026.
How CACL Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Pottsville, PA, where CACL Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
CACL Federal Credit Union
4.99%APR
- Terms
- up to 60 months
- Up to
- —
New Vehicle Auto Loan
2nd-lowest rate
Hidden River Credit Union
4.99%APR
- Terms
- up to 60 months
- Up to
- —
3rd-lowest rate
M&T Bank
6.79%APR
- Terms
- up to 84 months
- Up to
- 15.69% APR
CACL Federal Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where CACL Federal Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Classic Car Auto Loan
Eligible 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.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.99% | Lowest available APR based on excellent credit history. A $100 appraisal fee applies. |
| up to 36 months | 5.99% | Lowest available APR based on excellent credit history. A $100 appraisal fee applies. |
| up to 48 months | 5.99% | Lowest available APR based on excellent credit history. A $100 appraisal fee applies. |
| up to 60 months | 5.99% | Lowest available APR based on excellent credit history. A $100 appraisal fee applies. |
| up to 72 months | 6.99% | Lowest available APR based on excellent credit history. A $100 appraisal fee applies. |
| up to 84 months | 6.99% | Lowest available APR based on excellent credit history. A $100 appraisal fee applies. |
| up to 96 months | 6.99% | Lowest available APR based on excellent credit history. A $100 appraisal fee applies. |
New Vehicle Auto Loan
Eligible for current model year vehicles. Previous model year vehicles are considered “new” through March 31st of the current year. Maximum term: 120 months. Membership with CACL Financial is required. Financing up to 125% of purchase amount/vehicle value available.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | Lowest available APR based on excellent credit history. |
| up to 48 months | 4.99% | Lowest available APR based on excellent credit history. |
| up to 60 months | 4.99% | Lowest available APR based on excellent credit history. |
| up to 72 months | 5.49% | Lowest available APR based on excellent credit history. |
| up to 84 months | 5.99% | Lowest available APR based on excellent credit history. |
| up to 96 months | 6.19% | Lowest available APR based on excellent credit history. |
| up to 120 months | 7.99% | Lowest available APR based on excellent credit history. |
Sources (3)
All captured Oct 16, 2026
Older Used Vehicle Auto Loan
Eligible 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).
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.99% | Lowest available APR based on excellent credit history. |
| up to 36 months | 4.99% | Lowest available APR based on excellent credit history. |
| up to 48 months | 4.99% | Lowest available APR based on excellent credit history. |
| up to 60 months | 4.99% | Lowest available APR based on excellent credit history. |
| up to 72 months | 5.49% | Lowest available APR based on excellent credit history. |
| up to 84 months | 7.99% | Lowest available APR based on excellent credit history. |
Used Vehicle Auto Loan
Applies to vehicles from the current model year and up to five years old. Maximum term: 120 months (mileage may limit term options). Membership with CACL Financial is required. Financing up to 125% of purchase amount available.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | Lowest available APR based on excellent credit history. |
| up to 48 months | 4.99% | Lowest available APR based on excellent credit history. |
| up to 60 months | 4.99% | Lowest available APR based on excellent credit history. |
| up to 72 months | 5.49% | Lowest available APR based on excellent credit history. |
| up to 84 months | 5.99% | Lowest available APR based on excellent credit history. |
| up to 120 months | 7.99% | Lowest available APR based on excellent credit history. |
Sources (3)
All captured Oct 16, 2026
Who can join CACL Federal Credit Union
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.
Membership information collected October 5, 2026.