Perfect Circle Credit Union

Overview / Commentary
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 2,213th largest credit union in the nation. It was established in 1932 and as of June of 2021, it had grown to 23 employees and 5,920 members at 3 locations. Perfect Circle Credit Union 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


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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 #68719
Year Chartered1932
Primary Regulator
Profit Margin
Return on Assets - YTD0.48%
Return on Equity - YTD5.09%
Annual Interest Income$1.0MM
Assets and Liabilities
AssetsQ2 2021$67.6MM
LoansQ2 2021$26.9MM
DepositsQ2 2021$59.9MM
Equity CapitalQ2 2021$6.4MM
Loan Loss AllowanceQ2 2021$118.00K
Unbacked Noncurrent LoansQ2 2021$218.00K
Real Estate OwnedQ2 2021$0
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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

0.30%$7.5k-Diamond Savings
0.25%--IRA Accounts
0.25%--HSA Account
0.15%*$1k*-Regular Shares
OTHER TIERS: 0.03% $100 - $500 | 0.05% $500 - $1k
0.10%--Youth Club
0.03%--Club For (Misc. Future Expenses) Accounts
0.03%--Vacation Club
0.03%--Christmas Club Accounts

Perfect Circle Credit Union Money Market Rates

0.25%*$25k*-Diamond Money Market
OTHER TIERS: 0.15% $2.5k - $10k | 0.20% $10k - $25k

Perfect Circle Credit Union Checking Account Rates

2.25%-$10kUltimate Checking
0.10%$500-Base Checking rate

Perfect Circle Credit Union CD Rates

0.55%$50k-5 Year Jumbo CD
0.50%$500-5 Year CD
0.50%$50k-15 Month Jumbo CD
0.50%$50k-4 Year Jumbo CD
0.45%$500-15 Month CD
0.45%$500-4 Year CD
0.45%$50k-3 Year Jumbo CD
0.40%$500-3 Year CD
0.35%$50k-2 Year Jumbo CD
0.30%$500-2 Year CD
0.30%$50k-1 Year Jumbo CD
0.30%$50k-18 Month Jumbo CD
0.30%$500-Youth CD
0.25%$500-1 Year CD
0.25%$500-18 Month CD
0.25%$50k-9 Month Jumbo CD
0.25%$25-Save to Win 1 Year 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

0.50%$500-5 Year IRA
0.45%$500-15 Month IRA
0.45%$500-4 Year IRA
0.40%$500-3 Year IRA
0.30%$500-2 Year IRA
0.25%$500-1 Year IRA
0.25%$500-18 Month IRA
0.20%$1k-9 Month IRA
0.15%$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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