CAC Bank review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
CAC Bank serves Yemeni savers and borrowers who bank mainly through branches and their employer. The savings account is easy access with a minimum deposit of YER 5,000, and the bank is a direct lender for personal loans with free early repayment and a hard credit check.
Key facts
- Best for
- Yemeni savers and salaried borrowers who bank through a branch and an employer agreement.
- Rate type
- Variable↗
- Term
- 24 months↗
- Minimum deposit
- YER 5,000↗
- Access terms
- Interest applied monthly on the minimum balance and credited half-yearly at the end of June and December; deposits and withdrawals at any CAC Bank branch in Yemen↗
- Account kind
- Easy access↗
- Legal entity
- Cooperative and Agricultural Credit Bank↗
- Headquarters
- Yemen↗
- Founded
- 1982↗
- Support channels
- Email, Phone, Help-centre↗
- Pricing model
- Fixed rate
- Official website
- cacbank.com.ye
Loans
- Loan amount
- from YER 100,000↗
- Credit check
- Hard↗
- Lender type
- Direct lender↗
- Free early repayment
- Yes↗
- Eligibility
- Current account with the bank, valid electronic card ID or passport, at least one year with the current employer, banking or lending agreement with the employer, guarantee of two colleagues from the same workplace, employer approval letter, salary statement copy↗
- Loan types
- Personal, Debt-consolidation, Guarantor↗
- Credit needed
- Good↗
- Use cases
- Home-improvement↗
Facts checked September 26, 2026, 6 sources
Apps and profiles
- Get the app
- App StoreGoogle PlayGoogle Play
- Elsewhere
- LinkedInXyoutube.com
Pros and cons
Pros
- Interest is applied monthly on the minimum balance and credited at the end of June and December
- Deposits and withdrawals are possible at any CAC Bank branch in Yemen
- Personal loans of from YER 100,000 over 24 come with free early repayment
- Support runs on email, phone and help centre, so help is reachable away from a branch
Cons
- A variable rate can move, so the return on savings is not locked in
- Loans need a hard credit check and good credit
- Eligibility runs through the employer, with colleague guarantees and an approval letter alongside a hard credit check
Who it suits
- Salaried workers who hold a current account with the bank and a banking or lending agreement with their employer
- Savers in Yemen who can hold a minimum deposit of YER 5,000 and reach a branch
- Borrowers consolidating debt or funding home improvement through the bank
Who should look elsewhere
- Anyone after a locked rate, since the savings rate is variable
- Finteres, where the minimum deposit is €100 rather than YER 5,000, suits a different balance range
- Starling Personal Account Debit Card, with a minimum deposit of £0, fits savers who want no minimum at all
How CAC Bank compares
9.5 vs 8.0
9.5 vs 9.4
9.5 vs 9.4
9.5 vs 8.5
9.5 vs 9.4
9.5 vs 8.7
9.5 vs 8.9
9.5 vs 9.2It holds balances of $1 to $10,000, so entry does not hinge on the YER 5,000 minimum deposit.
9.5 vs 8.7
9.5 vs 9.3
9.5 vs 9.0
9.5 vs 9.0
9.5 vs 9.0- 9.5 vs 8.0
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9.5 vs 9.0
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9.5 vs 9.0
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9.5 vs 8.4- 9.5 vs 8.0
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Where CAC Bank is available
- Available
- Yemen
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
How do I deposit and withdraw money?+
Deposits and withdrawals can be made at any CAC Bank branch in Yemen, which is where access happens for this account. On the easy access account, interest is applied monthly on the minimum balance and credited at the end of June and December, setting the rhythm of each interest payment.
What kind of account is it and what is the minimum deposit?+
The savings account is easy access and the minimum deposit is YER 5,000. That is the balance the bank asks you to hold in the account, and access stays open because deposits and withdrawals are allowed at any branch in Yemen. The rate type on the account is variable.
Is the interest rate fixed?+
No, the rate is variable, so what you earn can move with the bank's pricing rather than staying locked for a term. For scale, the median headline rate across the listings on this page is 3%, with the upper quartile at 4.15%.
How much can I borrow, and over what term?+
CAC Bank lends directly as a direct lender, and personal loans run from from YER 100,000 over a term of 24. The loans on offer cover personal, debt consolidation and guarantor borrowing, with home improvement listed as the use case the bank has in mind.
What credit check do the loans need?+
The credit check is hard and the credit needed is good, so an application is assessed on your file and your history has to be reasonably strong. A hard check is the most common arrangement among the lenders in this group, at 75% of listings.
Can I repay a loan early?+
Free early repayment is offered, so you can clear a personal loan without an early repayment charge and redirect the money elsewhere. Lending that allows it is the norm on this page, covering 79.4% of the listings, and the term runs to 24.
How do I get help?+
Support runs on email, phone and help centre, so questions can go by email or by phone, with a help centre for common queries. That mix of phone and email is typical of the lenders in this group, at 74.4% of the listings on the page.
Sources
- cacbank.com.ye/ar-YE/Contents/SubPage/Personal-Loans checked September 26, 2026
Backs: Loan amount, Credit check, Credit needed
- cacbank.com.ye/en-US/Contents/Page/Accounts-TimeDeposite checked September 26, 2026
Backs: Access terms, Account kind, Minimum deposit, Rate type
“Interests applied monthly (the minimal balance during the month) and deposits to your account every half year at the end of June & December.”
- cacbank.com.ye/en-US/Contents/Page/History-of-CAC-Bank checked September 26, 2026
Backs: Founded
“Cooperative & Agricultural Credit Bank (CAC Bank) was established in 1982 as a result of the merger of the Cooperative, Agricultural Credit Bank that was established in 1975 and the Bank of National...”
- cacbank.com.ye/en-Us/Contents/SubPage/Personal-Loans checked September 26, 2026
Backs: Eligibility, Free early repayment, Lender type, Loan types, Pricing model, Term, Use cases
“The applicant should have a current account with the bank... the customer has already spent at least one year at the current employer. Guarantee of two colleagues from the same work place”
- cacbank.com.ye/en-US/Faq checked September 26, 2026
Backs: Support channels
“Thanks for contacting us - (01)250 009 - cac.info@cacbank.com.ye - FAQs”
- cacbank.com.ye/en-US/Page/Content/Terms-Conditions checked September 26, 2026
Backs: Headquarters, Legal entity
“The term and conditions of this agreement shall be governed by the laws and regulations of Republic of Yemen.”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Headline rate, Deposit protection.
Related by the facts
CAC Bank
Yemeni savers and salaried borrowers who bank through a branch and an employer agreement.