Credit union · NCUA insured
CACL Federal Credit Union Savings Rates
Top CarrotCACL Federal Credit Union’s best savings rate is 2.00% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How CACL Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Pottsville, PA, where CACL Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
CACL Federal Credit Union
2.00%APY
- Requires
- None
- Minimum
- $2,000
- Earns on $10,000 a year
- $200
Money Market Account
2nd-highest rate
Woodforest National Bank
1.00%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $100
3rd-highest rate
Fulton Bank
0.90%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $90
CACL Federal Credit Union savings score
89
Savings score
Higher than 89% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0002.00%
- $100,000 balance$100,0003.00%
- QualifiedQualified2.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where CACL Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Account
2.00%APY
Requires membership with a $5 deposit into a Membership Savings Account. $2,000 minimum balance to open and earn stated APY. Dividends credited monthly. Up to 3 free withdrawals or transfers per month, then $5.00 fee per additional withdrawal/transfer.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,000 – $20,000 | 2.00% | $200 |
| $20,000 – $75,000 | 2.75% | — |
| $75,000 – $500,000 | 3.00% | — |
| $500,000 and up | 3.00% | — |
Sources (4)
All captured Sep 17, 2026
Membership Savings
0.50%APY
Live, work, worship, volunteer, or attend school in Schuylkill County. Requires providing SSN/Tax ID and valid government ID or passport. Deposit $5 to establish membership. Must have at least one transaction in a 24-month period to avoid inactivity fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMinimum balance to earn stated APY is $50. No monthly service fees or minimum balance required to maintain account after opening with $5 deposit.$50 and up | 0.50% | $50 | Minimum balance to earn stated APY is $50. No monthly service fees or minimum balance required to maintain account after opening with $5 deposit. |
Basic Savings
0.45%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMinimum balance to earn APY is $50.$50 and up | 0.45% | $45 | Minimum balance to earn APY is $50. |
Sources (1)
- caclfcu.org/rates · captured Sep 17, 2026
Special-purpose accounts
IRA Savings
1.00%APY
Traditional and Roth IRA options available to build retirement savings. Requires CACL membership.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMinimum required balance of $50.00 to earn the stated APY. No minimum deposit required to open.$50 and up | 1.00% | $100 | Minimum required balance of $50.00 to earn the stated APY. No minimum deposit required to open. |
Sources (4)
- caclfcu.org/rates
- caclfcu.org/save/retirement-accounts
- caclfcu.org/save/roth-ira
- caclfcu.org/save/traditional-ira
All captured Sep 17, 2026
Holiday Savings
0.45%APY
Requires establishing CACL membership with a $5 deposit in a Membership Savings Account. Funds available whenever needed with no withdrawal restrictions.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upNo minimum balance required to open the account. Minimum balance of $50 required to earn stated APY.$50 and up | 0.45% | $45 | No minimum balance required to open the account. Minimum balance of $50 required to earn stated APY. |
Vacation Savings
0.45%APY
Requires establishing CACL membership with a $5 deposit into a Membership Savings Account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upNo minimum balance required to open or maintain the account. Minimum balance of $50 required to earn stated APY.$50 and up | 0.45% | $45 | No minimum balance required to open or maintain the account. Minimum balance of $50 required to earn stated APY. |
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.