About Us

Credit Union Mission

The mission of a credit union is to provide and promote the use of a variety of financial services which feature particular benefits and advantages over those generally available from other banking sources, with specific intent of helping members gain some particular measure of personal financial success.

What is a Credit Union?

A credit union is a not-for-profit cooperative which serves a defined group of members and exists for the sole purpose of delivering quality financial services to its members.

How Does the CACL Federal Credit Union Operate?

Chartered in 1953 as a credit union for post office employees, CACL was named for the Carriers and Clerks that worked there. In those early years, CACL humbly operated out of a cigar box in the Pottsville Post Office. CACL operates as a member-owned cooperative financial institution. Governed under stringent federal rules and regulations, CACL is supervised and insured by the National Credit Union Administration (NCUA), a federal agency of the United States Government. After operating expenses and funding reserve requirements, the members directly benefit from the earned profits via higher dividends and increased member services.

Benefits of Membership

Founded on the basic democratic premise of the cooperative movement, credit unions believe that access to low-cost financial services is critical to the health and stability of ordinary citizens.

Regulation & Supervision

CACL Federal Credit Union was chartered under federal law. Federally chartered credit unions are regulated by the National Credit Union Administration (NCUA), an independent agency of the U.S. Government.

Board of Directors

MEMBER	POSITION	MEMBER SINCE
James T. Kramer	Chairman	1994
Edward J. Clark	Vice-Chairman	1994
Robert J. James	Treasurer / Secretary	2014
Joseph J. Devine	Director	2012
Michael J. Hozella	Director	2015
Kevin D. McNamara	Director	2016
Francesco N. Mercuri	Director	2023

Supervisory Committee

MEMBER	POSITION
Joseph J. Devine	Chairman
Christian S. Newton	Member
John W. Toomey	Member
Brian P. Dries	Member
Ronald Gudinas II	Member

Credit Union Founders

CACL Federal Credit Union was chartered on March 20, 1953 by the following original charter members:

Claude E. Acker	Forrest E. Acker
Robert W. Delong	Delbert R. Kriner
Francis M. Rees	William G. Schlachter
Edward N. Williams	Wilfred E. Wachter