CACL Federal Credit Union offers 4.05% APY on a 12-month certificate with a $500 minimum deposit. This is a limited-time promotional rate available on new money only. Early withdrawals may incur a penalty.
Eligibility
Available in 1 states
PA
Credit-pull posture pending
We have not yet confirmed how this account is screened. Check with the institution.
How to get the CACL Federal Credit Union 12-Month Certificate rate
- Apply through the offer page to open the 12-Month Certificate.
- Complete the requirement: $500 minimum, 12-month term.
The fine print that matters
- Fixed APY for a 12-month term
- Minimum $500 deposit required
- Available on new money only; funds not currently on deposit with the credit union
- Certificate renewals and rollovers are not eligible
- Fees or other conditions may reduce earnings
- APY assumes dividends remain on deposit until maturity; withdrawals may reduce earnings
- Early principal withdrawals may incur a penalty
- Offer may not be combined with any other promotional rates, offers, or discounts
- Available for a limited time and subject to change without notice
Verification and reports
Confirmed against caclfcu.org on Aug 8, 2026. Based on 0 field reports. Status Limited reports is computed from those reports, never hand-set.
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Sources: caclfcu.org rate page (checked Aug 8, 2026)
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