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Certificate Accounts

Grow your savings with great rates that help you earn more.

Opening a share certificate account provides a secure way to grow your savings over time. Flexible terms, compounding dividends, and a fixed rate let you confidently reach your financial goals.

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Featured Certificates

Effective 7/1/2024

$500.00 3 Months 5.13% 5.25%
$500.00 6 Months 5.03% 5.15%
$500.00 9 Months 4.89% 5.00%

CACL Financial Certificate Account Benefits

Guaranteed Returns

Your investment grows predictably with a fixed rate and monthly compounding dividends.


Withdraw dividends early or take advantage of our 10-day, penalty-free grace period.

Low Minimum

Start growing your savings with a low $500 minimum deposit and a fixed rate.

Share Certificate Details

  • $500 minimum deposit
  • Fixed rate
  • Dividends compounded monthly
  • Dividends credited monthly
  • Withdrawals on dividends allowed before maturing
  • 10-day grace period after maturing with no penalty
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Certificate Rates

Effective as of 07/01/2024

Regular & IRA Share

$500.00 3 Months 5.13% 5.25%
$500.00 6 Months 5.03% 5.15%
$500.00 9 Months 4.89% 5.00%
$500.00 12 Months 4.70% 4.80%
$500.00 18 Months 3.93% 4.00%
$500.00 24 Months 3.69% 3.75%
$500.00 30 Months 3.15% 3.20%
$500.00 36 Months 3.15% 3.20%
$500.00 42 Months 3.15% 3.20%
$500.00 48 Months 3.01% 3.05%
$500.00 54 Months 3.01% 3.05%
$500.00 60 Months 3.01% 3.05%
$500.00 120 Months 3.01% 3.05%

*APR = Annual Percentage Rate

*APY = Annual Percentage Yield

Share Certificates require a minimum balance of $500.00 to earn the stated Annual Percentage Yield. For all accounts, the dividend rate and APY are fixed and will be in effect for the term of the account. The APY is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings. We may impose a penalty if you withdraw any of the principal before the maturity date. The amount of the early withdrawal penalty is based on the term of your account. Contact the Credit Union for more information.

How to Open a CACL Financial Certificate Account

Ready to put your money to work for you? Become a member of CACL Financial and open a share certificate account today:

Become a Member



Complete an application online or at a branch. You're eligible to join if you work, live, worship, or attend school in Schuylkill County.

Establish Your Membership



Open a member savings account with a $5 deposit. All CACL Financial members are required to have this account

Contact a CACL Financial Representative



Contact us to open a Certificate Account after opening your member savings account. The representative will assist you in completing the process.


"Everyone there is absolutely kind, polite and helpful. This is the place you go to and they treat you like family....instead of a stranger. Somebody mentioned the way they dress is too casual... that's ridiculous! The way you dress has nothing to do with how you treat people and what you can do for them. Anyhow, The RATES are amazing and they are just FAIR with everyone. If you need a Bank- Go to CACL in Pottsville."

-Douglas M.

"The employees are very friendly. Whenever I had a question or a problem that I needed help with they always are very helpful. I never had to wait for a reply on anything...they're very quick and thorough with their replies. CACL has great hours compared to other banks. No matter what department I needed to get ahold of, even if other customers were ahead of me they responded almost immediately. I wouldn't go anywhere else and I highly recommend CACL."

-Glenda K.

"The people of CACL are organized, prompt, to the point and if necessary, they go way out of their way to ensure my family's needs are met. I could not ask for a better banking experience."

-Doug C.

Share Certificate FAQs

What’s the difference between a Credit Union Certificate and a CD?
A credit union certificate is a type of savings account offered by credit unions, whereas a CD is offered by banks. Credit union certificates are federally insured by the National Credit Union Administration (NCUA) and often offer more favorable terms, including a fixed interest rate and compounding dividends. Credit union certificates also typically offer more flexible term lengths.
What happens when my certificate term ends?
When your certificate term ends, you can withdraw your funds or roll them over into a new certificate account. If you choose to withdraw, you'll receive your principal plus the interest earned. You can also change the term length or type of certificate account to suit your needs. Additionally, you have a 10-day grace period after maturity to withdraw your funds without facing early withdrawal penalties.
What is a share certificate and how does it work?
A share certificate is a type of savings account that earns a fixed interest rate for a specific term length. Share certificates work by allowing you to deposit funds for a set period, earning interest on your principal. This type of account offers a higher interest rate than traditional savings accounts, and dividends are compounded and credited monthly.
Can I open a certificate account with any financial institution?
No, certificate accounts are exclusive to credit unions. They offer a type of savings account that is insured by the National Credit Union Administration (NCUA). This means your funds are protected and will earn a fixed interest rate. If you withdraw your funds early, you may face early withdrawal penalties, which vary depending on the term length of your account.

Why Wait? Join Today!

Take advantage of earning higher returns. Open a Certificate Account with CACL Financial and earn a fixed interest rate with compounding dividends—join today and start growing your savings!

Still Have Questions?

Reach out to us at or call us at 570-628-2400 for personalized assistance.

*APY = Annual Percentage Yield