# CACL Federal Credit Union 12-Month Certificate: 4.05% APY

Canonical: https://dealaka.com/offers/cacl-federal-credit-union-12-month-certificate-rate

- Status: Limited reports
- Bonus: 4.05% APY
- APY: 4.05% (12-month term)
- Requirement: $500 minimum, 12-month term
- Expires: no published end date
- Availability: PA (PA)
- Institution: CACL Federal Credit Union
- Verified: Aug 8, 2026 against caclfcu.org
- Field reports: 0

## 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.

## Requirements
1. Apply through the offer page to open the 12-Month Certificate.
2. Complete the requirement: $500 minimum, 12-month term.

## 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

## Sources
- caclfcu.org rate page <https://www.caclfcu.org/> (checked Aug 8, 2026)

_This entry is reference information, not financial advice. Confirm current terms on the institution's site before you apply._