Rates
12 Month Certificate - 3.95% apy*
5 Year Bonus Certificate - up to 3.05% apy*
Money Market Rates -
up to 3.00% apy*
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CACL Credit Cards
Whether you need to rebuild your credit or access funds with our low-rate credit card, we have an option for you.
No matter what financial challenge comes your way, we're here to help - because "Helping You When Others Won't" isn't just a slogan, it's the core of who we are.
CACL Credit Card Benefits
NO OVER LIMIT FEE | |||
Enjoy peace of mind knowing you won’t be penalized for exceeding your credit limit. | |||
NO BALANCE TRANSFER FEE | ||||
Move your existing balances with ease—no transfer fees means more savings. | ||||
NO ANNUAL FEE | ||||
Enjoy the convenience of our card with no annual fee. Keep more money in your wallet. | ||||
NO CASH ADVANCE FEE | ||||
Access your cash when you need it without paying extra for convenience. | ||||
*Visit our Credit Card Disclosure+ for detailed information. Terms, conditions, and qualifications apply.
+This document includes links providing direct access to other internet resources, including websites. CACL Federal Credit Union is not responsible for the accuracy or content of information contained in these sites.
Credit Card Options
Cobalt - Low-Interest Credit Card*
Are you looking for a low-interest credit card? Our Cobalt Credit Card offers unbeatable rates, keeping your costs down with every purchase.
- Minimum Credit Line: $300.00
- Maximum Credit Line: $30,000.00
*Visit our Credit Card Disclosure+ for detailed information. Terms, conditions, and qualifications apply.
+This document includes links providing direct access to other internet resources, including websites. CACL Federal Credit Union is not responsible for the accuracy or content of information contained in these sites.
Carbon - Rewards Credit Card*
Earn rewards with every swipe with our Carbon Credit Card! Rack up points for every dollar spent, turning each transaction into a chance to earn valuable rewards. Redeem your points for various options, from must-have merchandise to dream vacation flights.
- Earn 1% cash back on all transactions
- Minimum Credit Line: $500.00
- Maximum Credit Line: $30,000.00
- Earn one point for every $1 spent, used towards airline tickets or merchandise available online through CURewards.com.
- New Accounts earn 1.99% on Merchandise purchases in the first six months.
- New Accounts earn $50 if they spend $1500 or more within the first 90 days of opening their card.
*Visit our Credit Card Disclosure+ for detailed information. Terms, conditions, and qualifications apply.
+This document includes links providing direct access to other internet resources, including websites. CACL Federal Credit Union is not responsible for the accuracy or content of information contained in these sites.
Secured Credit Card*
Looking to rebuild or boost your credit score? Our secured credit card offers an opportunity to do just that! Secured by funds in your shares account, this card provides a convenient way to access your money while building your credit and financial security for the future.
- Minimum Credit Line: $250.00
- Maximum Credit Line: $30,000.00
*Visit our Credit Card Disclosure+ for detailed information. Terms, conditions, and qualifications apply.
+This document includes links providing direct access to other internet resources, including websites. CACL Federal Credit Union is not responsible for the accuracy or content of information contained in these sites.
Find the card that's best for you*
| No Monthly Fee | No Balance Transfer Fee |
Build Credit | Low Interest | Rewards | |
|---|---|---|---|---|---|
| Cobalt | - | ||||
| Carbon | - | ||||
| Secured Card | - | - |
*Visit our Credit Card Disclosure+ for detailed information. Terms, conditions, and qualifications apply.
+This document includes links providing direct access to other internet resources, including websites. CACL Federal Credit Union is not responsible for the accuracy or content of information contained in these sites.
How to Apply for a CACL Credit Card
Apply Online | |||
Step 1 | Apply online at your convenience by clicking the “Apply Now“ button, or visit any of our branches to apply in person. | ||
Our Credit Card Specialist Will Review Your Application | |||
Step 2 | Our credit card specialist will reach out for any further information needed, as well as to open an account if you are not already a member. | ||
Receive your card in the mail | |||
Step 3 | Enjoy immediate access to all CACL member benefits while you wait for your card to arrive in the mail. | ||
Business Credit Card*
Our business credit card is invaluable for managing and tracking your company's recurring expenses. By making regular payments, you can also increase your business’s financial standing and credit score.
- Minimum Credit Line: $500.00
- Maximum Credit Line: $30,000
*Visit our Credit Card Disclosure+ for detailed information. Terms, conditions, and qualifications apply.
+This document includes links providing direct access to other internet resources, including websites. CACL Federal Credit Union is not responsible for the accuracy or content of information contained in these sites.
Credit Card FAQs*
| How can I apply for a CACL Financial credit card? |
|---|
| To apply for a CACL credit card, please visit www.caclfcu.org, visit any of our three locations, or apply through your CACL Online Banking App. |
| What happens if I go over my credit limit? |
| Until the member has paid the card under or to the limit, the card will be inoperable to use for purchases. |
| How do I report a lost or stolen card? |
| During normal business hours, members can call 570-628-2400 to report the card lost/stolen. After normal business hours, members can call the 24 hour help desk at 855-695-1684 to report the card lost/stolen. |
| Is there fraud protection on the card? |
| Our credit card comes with advanced fraud protection, so you're covered if your card is ever lost/stolen, or used without your permission. Transactions are monitored 24/7 and alerts you to suspicious activity, giving you peace of mind every time you use your card. |
*Visit our Credit Card Disclosure+ for detailed information. Terms, conditions, and qualifications apply.
+This document includes links providing direct access to other internet resources, including websites. CACL Federal Credit Union is not responsible for the accuracy or content of information contained in these sites.
Why Wait? Join Today!
If you're looking to rebuild or boost your credit, earn rewards, or keep costs low, we have the credit card for you. Our team is here to partner with you on your financial journey to success.
Have Questions?
Reach out to us today: 570-628-2400
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We are an Equal Housing Opportunity Lender. Federally insured by the NCUA. Your savings are insured to at least $250,000 by the National Credit Union Administration, a U.S. Government Agency. We do business in accordance with the Fair Housing Law and Equal Credit Opportunity Act.
CACL Federal Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards. We are actively working to increase accessibility and usability of our website to everyone. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at (570) 628-2400.
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Suspicious Account Activity?
If you believe there is suspicious activity on your account or you have experienced an information security related event, please contact us at (570) 628-2400.