Perfect Circle Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	HOW THEY COMPARE
3.04%	Reward Checking	2.05% - National Average
1.76%	5-year CD	3.10% - Goldman Sachs Bank USA High-yield 5 Year CD
0.60%	1-year CD	2.65% - Barclays 12 Month Online CD

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 59^th largest credit union in the state of Indiana. It is also the 2,259^th largest credit union in the nation. It was established in 1932 and as of June of 2018, it had grown to 27 employees and 6,566 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 Q2 2018

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	27
Primary Regulator

Profit Margin
Return on Assets - YTD	0.04%
Return on Equity - YTD	0.41%
Annual Interest Income	$1.0MM

Assets and Liabilities
Assets	Q2 2018vs Q2 2017	$54.1MM$55.2MM
Loans	Q2 2018vs Q2 2017	$30.7MM$30.7MM
Deposits	Q2 2018vs Q2 2017	$48.6MM$49.5MM
Equity Capital	Q2 2018vs Q2 2017	$5.4MM$5.5MM
Loan Loss Allowance	Q2 2018vs Q2 2017	$121.00K$101.00K
Unbacked Noncurrent Loans	Q2 2018vs Q2 2017	$360.00K$370.00K
Real Estate Owned	Q2 2018vs Q2 2017	$59.00K$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%	$7.5k	-	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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.30%^*	$25k^*	-	Diamond Money Market
OTHER TIERS: 0.20% → $2.5k - $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
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%	$500	-	SuperSaver CD
0.70%	$50k	-	1 Year Jumbo CD
0.60%	$500	-	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

APY	MIN	MAX	ACCOUNT NAME
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

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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