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Perfect Circle Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
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 58th largest credit union in the state of Indiana. It is also the 2,199th largest credit union in the nation. It was established in 1932 and as of March of 2025, it had grown to 21 employees and 5,414 members at 3 locations. Perfect Circle Credit Union's CD rates are 3X the national average, and it has a B health rating.

Field of Membership Restrictions

PCCU membership is open to those who live or work in the Indiana counties of Henry or Wayne, and employees of a PCCU business partner. Immediate family are also eligible to join.
See current membership details

Reviews

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Health
B

Data as of Q1 2025

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 #68719
Year Chartered1932
Employees21
Primary Regulator
Profit Margin
Return on Assets - YTD0.22%
Return on Equity - YTD2.34%
Annual Interest Income$634K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$65.7MM$63MM
LoansQ1 2025vs Q1 2024$24.9MM$26.1MM
DepositsQ1 2025vs Q1 2024$59.2MM$57MM
Equity CapitalQ1 2025vs Q1 2024$5.9MM$5.1MM
Loan Loss AllowanceQ1 2025vs Q1 2024$212K$152K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$565K$368K
Real Estate OwnedQ1 2025vs Q1 2024$34K$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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Always verify rates and promotions with the bank or credit union. We are not Perfect Circle Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.55%$7.5k-Diamond Savings
0.35%$0-HSA Account
0.25%*$1k*-Regular Shares
OTHER TIERS: 0.05% → $100 - $500 | 0.10% → $500 - $1k
0.25%$0-Youth Club
0.05%$0-Club For (Misc. Future Expenses) Accounts
0.05%$0-Vacation Club
0.05%$0-Christmas Club Accounts

Perfect Circle Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$25k*-Diamond Money Market
OTHER TIERS: 0.30% → $2.5k - $10k | 0.40% → $10k - $25k

Perfect Circle Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.04%$0$10kUltimate Checking
0.05%$500-Base Checking rate

Perfect Circle Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.84%$50k-2 Year Jumbo CD
2.84%$50k-5 Year Jumbo CD
2.78%$500-2 Year CD
2.78%$500-5 Year CD
2.58%$50k-18 Month Jumbo CD
2.58%$50k-3 Year Jumbo CD
2.58%$50k-4 Year Jumbo CD
2.53%$500-18 Month CD
2.53%$500-3 Year CD
2.53%$500-4 Year CD
2.32%$50k-1 Year Jumbo CD
2.32%$50k-15 Month Jumbo CD
2.32%$50k-9 Month Jumbo CD
2.32%$500-Youth CD
2.27%$1k-9 Month CD
2.27%$500-1 Year CD
2.27%$500-15 Month CD
2.02%$1k-3 Month CD
2.02%$1k-6 Month CD

Perfect Circle Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.78%$500-2 Year IRA
2.78%$500-5 Year IRA
2.53%$500-18 Month IRA
2.53%$500-3 Year IRA
2.53%$500-4 Year IRA
2.27%$1k-9 Month IRA
2.27%$500-1 Year IRA
2.27%$500-15 Month IRA
2.02%$1k-3 Month IRA
2.02%$1k-6 Month IRA
0.35%$0-IRA Accounts
Locations


Perfect Circle Credit Union Locations
Branch Office2306 S Memorial DrNew Castle, IN 47362
Branch Office631 E Main StHagerstown, IN 47346
Branch Office77 S 37th StRichmond, IN 47374

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