{"slug":"cacl-federal-credit-union-12-month-certificate-rate","category":"bank","institutionSlug":"cacl-federal-credit-union","product":"12-Month Certificate","title":"CACL Federal Credit Union 12-Month Certificate: 4.05% APY","bonus":"4.05% APY","unit":"cash","amount":0,"reqShort":"$500 minimum, 12-month term","expiresOn":null,"status":"live","verifiedOn":"2026-08-08","reports":0,"openIssues":0,"states":["PA"],"referralGated":false,"hardPull":false,"chex":"Pending verification","fee":"","keep":"Early principal withdrawals may incur a penalty.","posts":"","applyDomain":"caclfcu.org","applyUrl":"https://www.caclfcu.org/","summary":"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.","reqSteps":[],"finePrint":["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"],"apy":405,"apyTerm":"12-month term","listedOn":"2026-08-08","listedAt":"2026-08-08T13:06:00.087Z","memberReports":[],"history":[],"ruleIds":[],"sources":[{"label":"caclfcu.org rate page","url":"https://www.caclfcu.org/","checkedOn":"2026-08-08"}],"needsVerification":false}