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FRAUD AWARENESS REMINDER:

CACL will NEVER contact you directly and ask for specific confidential information (login credentials, PIN, card number, etc.). Be aware of fraudulent text and phone scams and take extra precaution.
If you are contacted unprompted, please call us at 570-628-2400. We are here to help keep your accounts safe.

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.

Happy mother and child in the kitchen.

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
CACL Cobalt credit 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.

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.
CACL Cobalt credit 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
CACL Cobalt credit 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.

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
CACL Business credit 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.

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