Perfect Circle Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
3.04%	Reward Checking	Ultimate Checking 1.92% - National Average
1.76%	5-year CD	5 Year CD 1.77% - National Average
0.40%	1-year CD	1 Year CD 0.82% - National Average

View all Perfect Circle Credit Union rates »

Overview / Commentary

www.pccu.com

765-489-4571

631 E Main St
Hagerstown, IN 47346

Perfect Circle Credit Union is headquartered in Hagerstown and is the 58^th largest credit union in the state of Indiana. It is also the 2,252^nd largest credit union in the nation. It was established in 1932 and as of December of 2017, it had grown to 28 employees and 6,647 members at 3 locations. Perfect Circle Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live or work in Henry and Wayne Counties in Indiana.
See current membership details

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Health

B+

Data as of Q4 2017

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Perfect Circle Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #	82792
Year Chartered	1932
Employees	28
Primary Regulator

Profit Margin
Return on Assets - YTD	0.17%
Return on Equity - YTD	1.65%
Annual Interest Income	$2.0MM

Assets and Liabilities
Assets	Q4 2017vs Q4 2016	$53.8MM$52.4MM
Loans	Q4 2017vs Q4 2016	$30.9MM$31.5MM
Deposits	Q4 2017vs Q4 2016	$48.1MM$46.8MM
Equity Capital	Q4 2017vs Q4 2016	$5.6MM$5.4MM
Loan Loss Allowance	Q4 2017vs Q4 2016	$93.00K$97.00K
Unbacked Noncurrent Loans	Q4 2017vs Q4 2016	$383.00K$482.00K
Real Estate Owned	Q4 2017vs Q4 2016	$39.00K$0

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Perfect Circle Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%	$7,500	-	Diamond Savings
0.50%	-	-	IRA Accounts
0.50%	-	-	HSA Account
0.25%^*	$1k^*	-	Regular Shares
OTHER TIERS: 0.05% → $100 - $500 \| 0.10% → $500 - $1k
0.10%	-	-	Youth Club
0.05%	-	-	Club For (Misc. Future Expenses) Accounts
0.05%	-	-	Vacation Club
0.05%	-	-	Christmas Club Accounts

Perfect Circle Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.30%^*	$25k^*	-	Diamond Money Market
OTHER TIERS: 0.20% → $2,500 - $10k \| 0.25% → $10k - $25k

Perfect Circle Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
3.04%^*	-	$10k	Ultimate Checking
OTHER TIERS: 1.00% → $10k+

Perfect Circle Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.87%	$50k	-	5 Year Jumbo CD
1.76%	$500	-	5 Year CD
1.31%	$50k	-	4 Year Jumbo CD
1.30%	$50k	-	15 Month Jumbo CD
1.21%	$500	-	4 Year CD
1.20%	$500	-	15 Month CD
0.80%	$50k	-	3 Year Jumbo CD
0.70%	$500	-	3 Year CD
0.60%	$50k	-	2 Year Jumbo CD
0.55%	$50k	-	18 Month Jumbo CD
0.50%	$500	-	SuperSaver CD
0.50%	$500	-	2 Year CD
0.50%	$50k	-	1 Year Jumbo CD
0.45%	$500	-	18 Month CD
0.40%	$500	-	1 Year CD
0.30%	$50k	-	9 Month Jumbo CD
0.20%	$1k	-	9 Month CD
0.15%	$1k	-	6 Month CD
0.10%	$1k	-	3 Month CD

Perfect Circle Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.76%	$500	-	5 Year IRA
1.21%	$500	-	4 Year IRA
1.20%	$500	-	15 Month IRA
0.70%	$500	-	3 Year IRA
0.50%	$500	-	2 Year IRA
0.45%	$500	-	18 Month IRA
0.40%	$500	-	1 Year IRA
0.20%	$1k	-	9 Month IRA
0.15%	$1k	-	6 Month IRA
0.10%	$1k	-	3 Month IRA

Locations

Perfect Circle Credit Union Locations
Branch Office	2306 S Memorial Dr	New Castle, IN 47362
Branch Office	631 E Main St	Hagerstown, IN 47346
Branch Office	77 S 37th St	Richmond, IN 47374

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