CACL Federal Credit Union – St. Clair

CACL Federal Credit Union - St. Clair is a Credit Union in Pottsville, PA. It serves members in Schuylkill County with banking, loans, and financial products designed to help customers save, borrow, and grow. The credit union offers checking accounts, flexible lending options, and 24/7 online and mobile account access. It also provides financial education resources to help members manage money and plan for the future. The business holds a 4.90 rating based on customer reviews.

Founded in 1953, CACL began as a credit union for post office employees and was named for the Carriers and Clerks who worked there. It originally operated out of a cigar box in the Pottsville Post Office before moving to its main branch at 1800 West Market Street. The credit union serves anyone who lives, works, worships, volunteers, or attends school in Schuylkill County. Membership requires a valid state-issued ID.

The credit union offers a range of loan products, including purchase money loans, refinance loans, construction loans, and permanent loans. It provides mortgage pre-approval letters to help buyers demonstrate seriousness to sellers. The institution explains that closing costs typically range from 2-5% of the loan amount and that private mortgage insurance is required if the down payment is less than 20%. For conventional home loans, credit scores of at least 640 are preferred, though employment history and income are also considered.

The business is known for its positive rating from the customers who have reviewed it. Members describe the staff as accommodating, helpful, and friendly, noting that the team goes out of its way to meet family needs. The credit union emphasizes a philosophy of people over profits and relationships over transactions. It has served Schuylkill County for decades, supporting local firehouses, animal shelters, and Special Needs events.

With a 4.90 rating, CACL Federal Credit Union - St. Clair delivers personalized financial guidance and community-focused service to the Pottsville area.

The branch sits on Port Carbon St Clair Hwy, about 0.2 miles from Mill Creek and the Schuylkill County Municipal Authority.

BizScoreAI gives the website a technical score of 94 out of 100, ensuring the site is secure and easily read by search engines. It also awards a discoverability score of 75 out of 100, which helps AI crawlers find every page so the business can be recommended by AI assistants.