Overview / Commentary
631 E Main St
Hagerstown, IN 47346

Perfect Circle Credit Union is headquartered in Hagerstown and is the 59th largest credit union in the state of Indiana. It is also the 2,248th largest credit union in the nation. It was established in 1932 and as of December of 2018, it had grown to 27 employees and 6,441 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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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

NCUA #82792
Year Chartered1932
Primary Regulator
Profit Margin
Return on Assets - YTD0.3%
Return on Equity - YTD2.86%
Annual Interest Income$2.1MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$53.7MM$53.8MM
LoansQ4 2018vs Q4 2017$30.7MM$30.9MM
DepositsQ4 2018vs Q4 2017$47.9MM$48.1MM
Equity CapitalQ4 2018vs Q4 2017$5.6MM$5.6MM
Loan Loss AllowanceQ4 2018vs Q4 2017$124.00K$93.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$453.00K$383.00K
Real Estate OwnedQ4 2018vs Q4 2017$31.00K$39.00K
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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

0.50%$7.5k-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
0.05%--Payroll Savings Club

Perfect Circle Credit Union Money Market Rates

0.30%*$25k*-Diamond Money Market
OTHER TIERS: 0.20% $2.5k - $10k | 0.25% $10k - $25k

Perfect Circle Credit Union Checking Account Rates

3.04%*-$10kUltimate Checking
OTHER TIERS: 1.00% $10k+

Perfect Circle Credit Union CD Rates

2.10%$50k-15 Month Jumbo CD
2.00%$500-15 Month CD
1.87%$50k-5 Year Jumbo CD
1.76%$500-5 Year CD
1.46%$50k-4 Year Jumbo CD
1.36%$500-4 Year CD
1.36%$50k-3 Year Jumbo CD
1.26%$500-3 Year CD
1.00%$50k-2 Year Jumbo CD
0.90%$500-2 Year CD
0.85%$50k-18 Month Jumbo CD
0.75%$500-18 Month CD
0.70%$50k-1 Year Jumbo CD
0.70%$500-Youth CD
0.60%$500-1 Year CD
0.60%$25-Save to Win 1 Year CD
0.40%$50k-9 Month Jumbo CD
0.30%$1k-9 Month CD
0.25%$1k-6 Month CD
0.10%$1k-3 Month CD

Perfect Circle Credit Union IRA Rates

2.00%$500-15 Month IRA
1.76%$500-5 Year IRA
1.36%$500-4 Year IRA
1.26%$500-3 Year IRA
0.90%$500-2 Year IRA
0.75%$500-18 Month IRA
0.60%$500-1 Year IRA
0.30%$1k-9 Month IRA
0.25%$1k-6 Month IRA
0.10%$1k-3 Month IRA

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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