Featured Savings Rates
Featured Accounts

Perfect Circle Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
3.04%Reward CheckingUltimate Checking
1.76%5-year CD5 Year CD
0.25%1-year CD1 Year CD

Overview / Commentary
765-489-4571
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 2,264th largest credit union in the nation. It was established in 1932 and as of September of 2016, it had grown to 27 employees and 6,958 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+
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 Chartered1932
Employees27
Primary Regulator
Profit Margin
Return on Assets - YTD0.2%
Return on Equity - YTD1.83%
Annual Interest Income$1.5MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$52.6MM$50.9MM
LoansQ3 2016vs Q3 2015$31.1MM$31.1MM
DepositsQ3 2016vs Q3 2015$46.6MM$45.2MM
Equity CapitalQ3 2016vs Q3 2015$5.7MM$5.6MM
Loan Loss AllowanceQ3 2016vs Q3 2015$108.00K$124.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$393.00K$399.00K
Real Estate OwnedQ3 2016vs Q3 2015$146.00K$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$7,500-Diamond Savings
0.50%--IRA Accounts
0.50%--Roth 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

APYMINMAXACCOUNT NAMEVIEW 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

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

Perfect Circle Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.87%$50k-5 Year Jumbo CD
1.76%$500-5 Year CD
1.31%$50k-4 Year Jumbo CD
1.21%$500-4 Year CD
1.11%$50k-9 Month Jumbo CD
1.00%$1k-9 Month CD
0.80%$50k-3 Year Jumbo CD
0.70%$500-3 Year CD
0.60%$50k-2 Year Jumbo CD
0.50%$500-2 Year CD
0.50%$50k-18 Month Jumbo CD
0.45%$50k-15 Month Jumbo CD
0.40%$500-18 Month CD
0.35%$500-SuperSaver CD
0.35%$500-15 Month CD
0.35%$50k-1 Year Jumbo CD
0.25%$500-1 Year CD
0.15%$1k-6 Month CD
0.10%$1k-3 Month CD

Perfect Circle Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.76%$500-5 Year IRA
1.21%$500-4 Year IRA
1.00%$1k-9 Month IRA
0.70%$500-3 Year IRA
0.50%$500-2 Year IRA
0.40%$500-18 Month IRA
0.35%$500-15 Month IRA
0.25%$500-1 Year IRA
0.15%$1k-6 Month IRA
0.10%$1k-3 Month IRA
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