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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Auto Loans
Affordable financing for new and used vehicles.
Our affordable auto loans make it easy to get behind the wheel of a new or used car with payments that fit your budget. Our competitive rates and flexible terms help you save, and our fast approvals and personalized support ensure a smooth financing experience.
Why pay more? Apply today for an auto loan designed to get you on the road faster and for less.
+APR = Annual Percentage Rate
Affordable Financing for the Road Ahead
Competitive Rates | |||
Our affordable rates lower the cost of vehicle financing. | |||
Flexible Terms | ||||
Terms of 36 to 120 months on new and used vehicles help you get payments you can afford. | ||||
No Application Fee | ||||
No loan fees or hidden costs help you keep more of your hard-earned money. | ||||
Auto Loan Details
Our affordable and flexible auto loans put you in the driver’s seat of savings.
- No application fee
- Finance up to 100% of purchase amount
- Easy online loan application
- Fast loan decision
- Loan pre-qualification
- No loan prepayment penalties
Auto Loan Rates*
Effective as of 01/08/2025
With our low auto loan rates, you can save more on your monthly payments and the total cost of your vehicle. This helps you keep more money in your pocket for fuel, insurance, and other vehicle expenses.
*All auto loans must qualify for CACL Financial membership. Eligibility for Credit Union membership at CACL is open to anyone who lives, works, regularly conducts business in, worships, volunteers, or attends school in Schuylkill County, Pennsylvania. Rates & terms apply to purchases and refinances for consumer-use vehicles only. Commercial vehicles or vehicles used for commercial purposes must be directed to our Business Lending Department. We may determine a vehicle to be for commercial use or otherwise ineligible based on the model and/or information provided to us.
New Vehicle*
| TERM | APR+ As Low As: |
|---|---|
| 36 Months | 5.39% |
| 48 Months | 5.39% |
| 60 Months | 5.39% |
| 72 Months | 5.99% |
| 84 Months | 5.99% |
| 96 Months | 6.49% |
| 120 Months | 8.49% |
+APR = Annual Percentage Rate
*For current model year vehicles. March 31st is the deadline for new vehicles of the previous year to be considered a new vehicle loan. Maximum term of 120 months. Advertised “as low as” annual percentage rates (APR) assume excellent borrower credit history. Your actual APR may differ and will be based upon several factors, including individual credit history, loan type, model year, mileage, term, and loan amount. Rates subject to change.
Used Vehicle*
| TERM | APR+ As Low As: |
|---|---|
| 36 Months | 5.39% |
| 48 Months | 5.39% |
| 60 Months | 5.39% |
| 72 Months | 5.99% |
| 84 Months | 6.49% |
| 120 Months | 8.49% |
+APR = Annual Percentage Rate
*Current model year vehicles and the five previous model years. Maximum term of 120 months. Term restrictions may apply based on vehicle mileage. Advertised “as low as” annual percentage rates (APR) assume excellent borrower credit history. Your actual APR may differ and will be based upon several factors, including individual credit history, loan type, model year, mileage, term, and loan amount. Rates subject to change.
Older Used Vehicle*
| TERM | APR+ As Low As: |
|---|---|
| 24 Months | 5.39% |
| 36 Months | 5.39% |
| 48 Months | 5.49% |
| 60 Months | 5.79% |
| 72 Months | 6.99% |
+APR = Annual Percentage Rate
*Six to twelve model years from the current model year. A model year greater than 12 years must be approved by our Loan Committee. Maximum Term of 72 months. Term restrictions may apply based on vehicle mileage. Advertised “as low as” annual percentage rates (APR) assume excellent borrower credit history. Your actual APR may differ and will be based upon several factors, including individual credit history, loan type, model year, mileage, term, and loan amount. Rates subject to change.
Classic Car*
| TERM | APR+ As Low As: |
|---|---|
| 60 Months or Less | 5.99% |
| 61 Months - 96 Months | 6.99% |
+APR = Annual Percentage Rate
*Twenty (20) model years or older from the current model year. Maximum Term of 96 months. Term restrictions may apply based on vehicle mileage. Appraisal fee of $100.00. Advertised “as low as” annual percentage rates (APR) assume excellent borrower credit history. Your actual APR may differ and will be based upon several factors, including individual credit history, loan type, model year, mileage, term, and loan amount. Rates subject to change.
Auto Loan Options
New Auto/Vehicle
Drive the new car you love with a low rate you'll love even more!
- Terms of 36 to 120 months
- Loan-to-value of 125%, including tax, tags, warranty, and other charges
- Loans for dealer and private seller purchases
- Apply online or in person
Used Auto/Vehicle
A dependable used vehicle is a great way to save. Our affordable used car loans help you save even more!
- Finance used vehicles that are up to five previous model years
- Flexible terms of 36 to 120 months
- Loans for dealer and private seller purchases
Used Auto Loan Example
May require a down payment depending on the qualifications of the borrower.
- $20,000 for 36 months at a rate of 5.39% APR is a monthly payment of $603
- $30,000 for 60 months at a rate of 5.39% APR is a monthly payment of $572
- $30,000 for 72 months at a rate of 5.99% APR is a monthly payment of $498
- $30,000 for 84 months at a rate of 6.49% APR is a monthly payment of $446
Older Used Auto/Vehicle
Get ready to hit the road in an incredible older used vehicle that's just waiting to take you on your next big adventure!
- Older used vehicles (up to 12 previous model years) are subject to committee approval
- Terms of up to 72 months
- Loans for dealer and private seller purchases
Classic Auto/Vehicle
Drive away in the vintage vehicle you've been dreaming about with a classic car loan that makes ownership easy.
- Finance vehicles that are 20 model years or older from the current year
- Terms of up to 96 months
- Restored, original, or modified classic cars are eligible
- Loans for dealer and private seller purchases
How to Apply for a CACL Auto Loan
Apply | |||
Step 1 | Conveniently apply online by clicking the button below, or in person at a branch. | ||
Application Review | |||
Step 2 | We’ll contact you to discuss options and answer your questions | ||
Close the Loan | |||
Step 3 | Sign the loan documents to complete the purchase of your new or used vehicle. | ||
Testimonials
"Love this place! Great for banking and a superior lending institution! The staff is always friendly and helpful."
- Penny S., Pottsville, PA
“I love CACL!!! Friendly, understanding and willing to help.”
- Donna R., Pottsville, PA
“Use them for personal and business. Love the personalized attention they give their members. Quick, easy and efficient to handle all my banking needs.”
- Olivia B., Pottsville PA
Auto Loans FAQs
| Do I need a down payment for an auto loan? |
|---|
| A down payment or collateral is not always required for our credit union car loans. We offer 100% vehicle financing and the vehicle you are buying serves as the collateral for the loan. A down payment may be required in situations where you have a lower credit score or if you need to roll negative equity from a previous vehicle into the new auto loan. |
| Can I get pre-qualified for an auto loan? |
| Absolutely! We’ll be glad to do a preliminary review of your finances and give you an estimate of how much you can borrow for a vehicle. |
| How long is pre-qualification valid? |
| Auto loan pre-approval is valid for 45 days. If you need more time, you must reapply by submitting updated financial information. |
| Are there any penalties for early loan repayment? |
| No, you can make extra payments or pay off your loan early to save on interest without penalty. |
| When is a car considered a classic? |
| A classic car is any car that is 20 model years or older from the current year. |
| Do I qualify for membership with CACL Financial? |
| Membership is open to anyone who lives, works, worships, volunteers, or attends school in Schuylkill County. Join today by stopping by any of our branch offices with your valid state-issued ID and a $5 deposit. |
Why Wait? Join Today!
CACL Financial offers a full range of products for all of your banking needs. As a non-profit, member-owned organization, we offer better rates, lower fees, and personalized service to help you save. Apply for membership today to experience the credit union difference.
Still Have Questions?
Reach out to us at questions@caclfcu.org or call us at 570-628-2400 for personalized assistance.
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