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Perfect Circle Credit Union

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Perfect Circle Credit Union Rates & Review November 2026

Q: What are the current interest rates at Perfect Circle Credit Union?

Current rates for Perfect Circle Credit Union include: 12-Month CD: 2.02%, 18-Month CD: 2.53%, 24-Month CD: 2.78%, 60-Month CD: 3.00%

Q: What CD terms does Perfect Circle Credit Union offer?

Perfect Circle Credit Union CD rates are 2.02% APY for a 12 month CD, 2.53% APY for an 18 month CD, 2.78% APY for a 2 year CD, 2.78% APY for a 3 year CD, 2.78% APY for a 4 year CD and 3.04% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Perfect Circle Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

Perfect Circle Credit Union's 5 Year CD rates are at 3.04%, 2 Year CD rates are at 2.78%, 3 Year CD rates are at 2.78%, 4 Year CD rates are at 2.78%, 18 Month CD rates are at 2.53%. Perfect Circle Credit Union's checking rates are as high as 3.04%. Perfect Circle Credit Union's Personal Loan Rates are as low as 9.99%. Perfect Circle Credit Union's Credit Card Rates are at 11.75%. Perfect Circle Credit Union's CD rates are 12% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Perfect Circle Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.92%. Rates last updated and verified on 10/30/2026.

Perfect Circle Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Perfect Circle Credit Union? Share your experience about Perfect Circle Credit Union by leaving a review below, or read customer reviews before you decide to use Perfect Circle Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.92%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

Perfect Circle Credit Union
631 E Main St

631 E Main St
Hagerstown, IN 47346

https://www.pccu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Perfect Circle Credit Union CD Rates

Product	Rate	APY	Term
5 Year Jumbo CD	3.05%	3.09%	5 years
Min Balance $50,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 2.58% → 3.09% ▲ 0.51 pts · high 3.09% / low 2.58% Sep 18, 20263.09%▲ from 2.58% Sep 14, 20262.58%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
5 Year CD	3.00%	3.04%	5 years
Min Balance $500 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 2.53% → 3.04% ▲ 0.51 pts · high 3.04% / low 2.53% Sep 18, 20263.04%▲ from 2.53% Sep 14, 20262.53%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
5 Year IRA CD	3.00%	3.04%	5 years
Min Balance $500 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 2.53% → 3.04% ▲ 0.51 pts · high 3.04% / low 2.53% Oct 10, 20263.04%▲ from 2.53% Sep 14, 20262.53%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
5 Year CD	3.00%	3.00%	5 Years
Min Balance $500 Details Balance: $500.00 minimum; Dividends paid monthly Last Updated 10/30/2026 Rate History 2 changes since Sep 14, 2026 · 2.53% → 3.00% ▲ 0.47 pts · high 3.04% / low 2.53% Oct 19, 20263.00%▼ from 3.04% Sep 18, 20263.04%▲ from 2.53% Sep 14, 20262.53%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
5 Year IRA CD	3.00%	3.00%	5 Years
Min Balance $500 Details IRA CD; Dividends paid monthly Last Updated 10/30/2026 Rate History 2 changes since Sep 14, 2026 · 2.53% → 3.00% ▲ 0.47 pts · high 3.04% / low 2.53% Oct 19, 20263.00%▼ from 3.04% Oct 10, 20263.04%▲ from 2.53% Sep 14, 20262.53%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
2 Year Jumbo CD	2.80%	2.84%	2 years
Min Balance $50,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 2.58% → 2.84% ▲ 0.26 pts · high 2.84% / low 2.58% Sep 18, 20262.84%▲ from 2.58% Sep 14, 20262.58%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
3 Year Jumbo CD	2.80%	2.84%	3 years
Min Balance $50,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 2.58% → 2.84% ▲ 0.26 pts · high 2.84% / low 2.58% Sep 18, 20262.84%▲ from 2.58% Sep 14, 20262.58%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
4 Year Jumbo CD	2.80%	2.84%	4 years
Min Balance $50,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 2.58% → 2.84% ▲ 0.26 pts · high 2.84% / low 2.58% Sep 18, 20262.84%▲ from 2.58% Sep 14, 20262.58%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
2 Year CD	2.75%	2.78%	2 years
Min Balance $500 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 2.53% → 2.78% ▲ 0.25 pts · high 2.78% / low 2.53% Sep 18, 20262.78%▲ from 2.53% Sep 14, 20262.53%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
2 Year IRA CD	2.75%	2.78%	2 years
Min Balance $500 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 2.53% → 2.78% ▲ 0.25 pts · high 2.78% / low 2.53% Oct 10, 20262.78%▲ from 2.53% Sep 14, 20262.53%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
3 Year CD	2.75%	2.78%	3 years
Min Balance $500 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 2.53% → 2.78% ▲ 0.25 pts · high 2.78% / low 2.53% Sep 18, 20262.78%▲ from 2.53% Sep 14, 20262.53%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
3 Year IRA CD	2.75%	2.78%	3 years
Min Balance $500 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 2.53% → 2.78% ▲ 0.25 pts · high 2.78% / low 2.53% Oct 10, 20262.78%▲ from 2.53% Sep 14, 20262.53%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
4 Year CD	2.75%	2.78%	4 years
Min Balance $500 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 2.53% → 2.78% ▲ 0.25 pts · high 2.78% / low 2.53% Sep 18, 20262.78%▲ from 2.53% Sep 14, 20262.53%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
4 Year IRA CD	2.75%	2.78%	4 years
Min Balance $500 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 2.53% → 2.78% ▲ 0.25 pts · high 2.78% / low 2.53% Oct 10, 20262.78%▲ from 2.53% Sep 14, 20262.53%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
18 Month Jumbo CD	2.55%	2.58%	18 months
Min Balance $50,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 2.32% → 2.58% ▲ 0.26 pts · high 2.58% / low 2.32% Sep 18, 20262.58%▲ from 2.32% Sep 14, 20262.32%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
18 Month CD	2.50%	2.53%	18 months
Min Balance $500 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 2.27% → 2.53% ▲ 0.26 pts · high 2.53% / low 2.27% Sep 18, 20262.53%▲ from 2.27% Sep 14, 20262.27%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
18 Month IRA CD	2.50%	2.53%	18 months
Min Balance $500 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 2.27% → 2.53% ▲ 0.26 pts · high 2.53% / low 2.27% Oct 10, 20262.53%▲ from 2.27% Sep 14, 20262.27%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
15 Month Jumbo CD	2.30%	2.32%	15 months
Min Balance $50,000 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.32% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
15 Month CD	2.25%	2.27%	15 months
Min Balance $500 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.27% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
15 Month IRA CD	2.25%	2.27%	15 months
Min Balance $500 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.27% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
1 Year Jumbo CD	2.05%	2.07%	1 year
Min Balance $50,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 1.81% → 2.07% ▲ 0.26 pts · high 2.07% / low 1.81% Sep 18, 20262.07%▲ from 1.81% Sep 14, 20261.81%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
1 Year CD	2.00%	2.02%	1 year
Min Balance $500 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 1.76% → 2.02% ▲ 0.26 pts · high 2.02% / low 1.76% Sep 18, 20262.02%▲ from 1.76% Sep 14, 20261.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
1 Year IRA CD	2.00%	2.02%	1 year
Min Balance $500 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 1.76% → 2.02% ▲ 0.26 pts · high 2.02% / low 1.76% Oct 10, 20262.02%▲ from 1.76% Sep 14, 20261.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
6 Month CD	2.00%	2.02%	6 months
Min Balance $1,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 1.76% → 2.02% ▲ 0.26 pts · high 2.02% / low 1.76% Sep 18, 20262.02%▲ from 1.76% Sep 14, 20261.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
6 Month IRA CD	2.00%	2.02%	6 months
Min Balance $1,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 1.76% → 2.02% ▲ 0.26 pts · high 2.02% / low 1.76% Oct 10, 20262.02%▲ from 1.76% Sep 14, 20261.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
9 Month CD	2.00%	2.02%	9 months
Min Balance $1,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 1.76% → 2.02% ▲ 0.26 pts · high 2.02% / low 1.76% Sep 18, 20262.02%▲ from 1.76% Sep 14, 20261.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
9 Month IRA CD	2.00%	2.02%	9 months
Min Balance $1,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 1.76% → 2.02% ▲ 0.26 pts · high 2.02% / low 1.76% Oct 10, 20262.02%▲ from 1.76% Sep 14, 20261.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
3 Month CD	1.75%	1.76%	3 months
Min Balance $1,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 1.51% → 1.76% ▲ 0.25 pts · high 1.76% / low 1.51% Sep 22, 20261.76%▲ from 1.51% Sep 14, 20261.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
3 Month IRA CD	1.75%	1.76%	3 months
Min Balance $1,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 1.51% → 1.76% ▲ 0.25 pts · high 1.76% / low 1.51% Oct 10, 20261.76%▲ from 1.51% Sep 14, 20261.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%

Perfect Circle Credit Union Savings Rates

Product	Rate	APY
Regular Shares	0.25%	0.25%
Min Balance $1,000 Details Balance: $1,000.00 >; Tier 1 Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Youth Club	0.25%	0.25%
Details Club Shares; Dividends are paid quarterly and calculated from day of deposit to day of withdrawal. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Regular Shares	0.10%	0.10%
Min Balance $500 Details Balance: $500.00 - $999.99; Tier 2 Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Christmas Club (paid annually October 31)	0.05%	0.05%
Details Club Shares; Dividends are paid quarterly and calculated from day of deposit to day of withdrawal. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Club For (Misc. Future Expenses) Accounts	0.05%	0.05%
Details Club Shares; Dividends are paid quarterly and calculated from day of deposit to day of withdrawal. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Regular Shares	0.05%	0.05%
Min Balance $100 Details Balance: $100.00 - $499.99; Tier 3 Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Vacation Club	0.05%	0.05%
Details Club Shares; Dividends are paid quarterly and calculated from day of deposit to day of withdrawal. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Payroll Club	0.00%	0.00%
Details Club Shares; Dividends are paid quarterly and calculated from day of deposit to day of withdrawal. Last Updated 10/30/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Regular Shares	0.00%	0.00%
Min Balance $0 Details Balance: $0.01 - $99.99; Tier 4 Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%

Perfect Circle Credit Union Checking Rates

Product	Rate	APY
Ultimate Checking	3.00%	3.04%
Min Balance $500 Details Qualifications Required; Balance: $500.00 - $9,999.99; Base 0.05% APY on balances $500 and above; APY based on average daily balance; Dividends paid monthly Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 3.04% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Ultimate Checking	3.00%	3.00%
Min Balance $500 Details Qualifications Required; Balance: $500.00 - $9,999.99; Base 0.05% APY if qualifications not met; Dividends paid monthly Last Updated 10/30/2026 Rate History 1 change since Sep 22, 2026 · 3.04% → 3.00% ▼ 0.04 pts · high 3.04% / low 3.00% Oct 14, 20263.00%▼ from 3.04% Sep 22, 20263.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%

Perfect Circle Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity-Closed-End Fixed	-	-	7.50%	10 Years
Details As Low As; Estimated Monthly Payment Per $1,000.00 Borrowed: $11.87 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Home Equity-Closed-End Fixed	-	-	7.65%	15 Years
Details As Low As; Estimated Monthly Payment Per $1,000.00 Borrowed: $9.36 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.65% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%

Perfect Circle Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicle - New Auto 24 Months	-	-	5.00%	24 Months
Details As Low As; Estimated Monthly Payment Per $1,000.00 Borrowed: $43.87; Pricing is based on credit score and term of loan Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Used Vehicle Loan - 2022 & Newer	-	-	5.00%	24 months
Details As Low As; Model Year: 2022 & Newer; Pricing based on credit score and term Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.00% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
New Vehicle - New Auto 36 Months	-	-	5.05%	36 Months
Details As Low As; Estimated Monthly Payment Per $1,000.00 Borrowed: $29.99; Pricing is based on credit score and term of loan Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.05% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Used Vehicle Loan - 2022 & Newer	-	-	5.05%	36 months
Details As Low As; Model Year: 2022 & Newer; Pricing based on credit score and term Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.05% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
New Vehicle - New Auto 48 Months	-	-	5.35%	48 Months
Details As Low As; Estimated Monthly Payment Per $1,000.00 Borrowed: $23.19; Pricing is based on credit score and term of loan Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.35% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Used Vehicle Loan - 2022 & Newer	-	-	5.35%	48 months
Details As Low As; Model Year: 2022 & Newer; Pricing based on credit score and term Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.35% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
New Vehicle - New Auto 60 Months	-	-	5.39%	60 Months
Details As Low As; Estimated Monthly Payment Per $1,000.00 Borrowed: $19.05; Pricing is based on credit score and term of loan Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.39% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
New Vehicle - New Auto 72 Months	-	-	5.39%	72 Months
Details As Low As; Estimated Monthly Payment Per $1,000.00 Borrowed: $16.29; Pricing is based on credit score and term of loan Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.39% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Used Vehicle Loan - 2022 & Newer	-	-	5.39%	72 months
Details As Low As; Model Year: 2022 & Newer; Pricing based on credit score and term Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.39% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Used Vehicle Loan - 2022 & Newer	-	-	5.39%	60 months
Details As Low As; Model Year: 2022 & Newer; Pricing based on credit score and term Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.39% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Used Vehicle Loan - 2018-2021	-	-	6.04%	24 months
Details As Low As; Model Year: 2018-2021; Pricing based on credit score and term Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.04% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Used Vehicle Loan - 2018-2021	-	-	6.09%	36 months
Details As Low As; Model Year: 2018-2021; Pricing based on credit score and term Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.09% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Used Vehicle Loan - 2018-2021	-	-	6.34%	48 months
Details As Low As; Model Year: 2018-2021; Pricing based on credit score and term Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.34% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Used Vehicle Loan - 2018-2021	-	-	6.39%	60 months
Details As Low As; Model Year: 2018-2021; Pricing based on credit score and term Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.39% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
New Vehicle - New Auto 84 Months	-	-	6.79%	84 Months
Details As Low As; Estimated Monthly Payment Per $1,000.00 Borrowed: $14.99; Pricing is based on credit score and term of loan Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.79% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Used Vehicle Loan - 2018-2021	-	-	6.84%	72 months
Details As Low As; Model Year: 2018-2021; Pricing based on credit score and term Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.84% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Used Vehicle Loan - 2017 & Older	-	-	8.59%	24 months
Details As Low As; Model Year: 2017 & Older; Pricing based on credit score and term Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.59% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Used Vehicle Loan - 2017 & Older	-	-	8.84%	36 months
Details As Low As; Model Year: 2017 & Older; Pricing based on credit score and term Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.84% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Used Vehicle Loan - 2017 & Older	-	-	8.89%	48 months
Details As Low As; Model Year: 2017 & Older; Pricing based on credit score and term Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.89% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Used Vehicle Loan - 2017 & Older	-	-	9.34%	60 months
Details As Low As; Model Year: 2017 & Older; Pricing based on credit score and term Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.34% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%

Perfect Circle Credit Union Credit Card Rates

Product	Rate	APR
PCCU Visa Platinum Low Rate Credit Card	-	11.75%
Details Credit Score: 800+ Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 11.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
PCCU Visa Platinum Low Rate Credit Card	-	13.75%
Details Credit Score: 700 - 799 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 13.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
PCCU Visa Platinum Rewards Credit Card	-	13.75%
Details Credit Score: 800+ Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 13.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
PCCU Visa Platinum Rewards Credit Card	-	15.75%
Details Credit Score: 700 - 799 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 15.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
PCCU Visa Platinum Low Rate Credit Card	-	17.75%
Details Credit Score: 600 - 699 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 17.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
PCCU Visa Platinum Rewards Credit Card	-	18.75%
Details Credit Score: 600 - 699 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 18.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
PCCU Visa Platinum Low Rate Credit Card	-	21.75%
Details Credit Score: < 600 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 21.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
PCCU Visa Platinum Rewards Credit Card	-	22.75%
Details Credit Score: < 600 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 22.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%

Perfect Circle Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	9.99%	1-36 Months
Details As Low As; Pricing based on credit score and term of loan Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Personal Loan	10.24%	37-60 Months
Details As Low As; Pricing based on credit score and term of loan Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 10.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%

Perfect Circle Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
Youth CD	2.05%	-	2.07%
Min Balance $500 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 1.81% → 2.07% ▲ 0.26 pts · high 2.07% / low 1.81% Sep 18, 20262.07%▲ from 1.81% Sep 14, 20261.81%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Perfect Circle Credit Union’s Texas Ratio rose from 5.25% in Q3 2023 to 5.92% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$63M	5.92%	5.0	A+
March 31, 2026	$65M	5.15%	5.0	A+
December 31, 2025	$64M	6.74%	5.0	A
September 30, 2025	$64M	5.36%	5.0	A+
June 30, 2025	$65M	6.03%	5.0	A
March 31, 2025	$66M	7.51%	5.0	A
December 31, 2024	$62M	8.60%	5.0	A
September 30, 2024	$62M	7.11%	5.0	A
June 30, 2024	$62M	6.13%	5.0	A
March 31, 2024	$63M	5.03%	5.0	A+
December 31, 2023	$62M	5.54%	5.0	A+
September 30, 2023	$63M	5.25%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Perfect Circle Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Perfect Circle Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Perfect Circle Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Perfect Circle Credit Union

Website https://www.pccu.com

Address 631 E Main St, Hagerstown, IN 47346

Phone 765-489-4571

Fax 765-489-5778

President Tina Davis

CEO Joshua Haney

Full-Time Employees 22

Part-Time Employees 3

Branch Locations 3

ATM Locations 3

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.92%

Return on Assets (ROA)

0.4511%

Return on Equity (ROE)

3.5316%

Non-Performing Loans Ratio (NPL)

2.21%

Total Assets

63,178,922

Total Amount of Shares and Deposits

55,717,345

Total Shares and Deposits < 1 Year

53,688,786

Total Shares and Deposits 1 3 Years

1,828,590

Total Shares and Deposits > 3 Years

199,967

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

565,107

Total Uninsured Shares and Deposits > $250K (F+J)

565,107

Total Insured Shares and Deposits > $250K (item 17 less item K)

55,152,238

Total Interest Expense (Sum of items 6 8)

180,559

Share Certificates

231

Number of Accounts for Share Drafts

3,954

IRA KEOGH Accounts

101

Number of Accounts for Regular Shares

6,722

All other shares

Money Market Shares

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

3,204,348

Total Liabilities

56,323,210

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Perfect Circle Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Perfect Circle Credit Union

Frequently Asked Questions About Perfect Circle Credit Union

Does Perfect Circle Credit Union offer CDs?

Yes. Perfect Circle Credit Union current CD rates include its 5 Year CD at 3.04% APY, its 2 Year CD at 2.78% APY and its 3 Year CD at 2.78% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from Perfect Circle Credit Union NCUA insured?

Yes. Perfect Circle Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Perfect Circle Credit Union?

The highest Perfect Circle Credit Union CD rate is its 5 Year Jumbo CD at 3.09% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does Perfect Circle Credit Union offer?

Perfect Circle Credit Union CD rates are 2.02% APY for a 12 month CD, 2.53% APY for an 18 month CD, 2.78% APY for a 2 year CD, 2.78% APY for a 3 year CD, 2.78% APY for a 4 year CD and 3.04% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Perfect Circle Credit Union for its full lineup.

What is the highest checking rate at Perfect Circle Credit Union?

The highest Perfect Circle Credit Union checking rate is its Ultimate Checking at 3.04% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest auto loan rate at Perfect Circle Credit Union?

The lowest Perfect Circle Credit Union auto loan rate is its New Vehicle - New Auto 24 Months at 5.00% APR, verified by MonitorBankRates as of October 30, 2026. Perfect Circle Credit Union auto loan rates are 5.00% APR for a 24 month auto loan, 5.05% APR for a 36 month auto loan, 5.35% APR for a 48 month auto loan, 5.39% APR for a 60 month auto loan, 5.39% APR for a 72 month auto loan and 6.79% APR for an 84 month auto loan.

What is the lowest personal loan rate at Perfect Circle Credit Union?

The lowest Perfect Circle Credit Union personal loan rate is its Personal Loan at 9.99% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest credit card APR at Perfect Circle Credit Union?

The lowest Perfect Circle Credit Union credit card APR is its PCCU Visa Platinum Low Rate Credit Card at 11.75% APR, verified by MonitorBankRates as of October 30, 2026.

How many branches does Perfect Circle Credit Union operate?

Perfect Circle Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Perfect Circle Credit Union?

Yes, to access services at Perfect Circle Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Perfect Circle Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Perfect Circle Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Perfect Circle Credit Union offer online and mobile banking?

Most modern institutions like Perfect Circle Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.pccu.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Perfect Circle Credit Union rates compare?

Perfect Circle Credit Union's CD rates are 12% lower than the MonitorBankRates national average, and it has an A+ health rating. Perfect Circle Credit Union's top rates are its 5 Year Jumbo CD at 3.09% APY, its Ultimate Checking at 3.04% APY, its Personal Loan at 9.99% APR and its PCCU Visa Platinum Low Rate Credit Card at 11.75% APR, verified by MonitorBankRates on October 30, 2026.

Current Perfect Circle Credit Union Rates

12-Month CD2.02%
18-Month CD2.53%
24-Month CD2.78%
60-Month CD3.00%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Perfect Circle Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Perfect Circle Credit Union Texas Ratio

Perfect Circle Credit Union Health Trend

Perfect Circle Credit Union CD Rates

Perfect Circle Credit Union Savings Rates

Perfect Circle Credit Union Checking Rates

Perfect Circle Credit Union Home Equity & HELOC

Perfect Circle Credit Union Auto Loan Rates

Perfect Circle Credit Union Credit Card Rates

Perfect Circle Credit Union Personal Loan Rates

Perfect Circle Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Perfect Circle Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Perfect Circle Credit Union

Does Perfect Circle Credit Union offer CDs?

Are CDs from Perfect Circle Credit Union NCUA insured?

What is the highest CD rate at Perfect Circle Credit Union?

What CD terms does Perfect Circle Credit Union offer?

What is the highest checking rate at Perfect Circle Credit Union?

What is the lowest auto loan rate at Perfect Circle Credit Union?

What is the lowest personal loan rate at Perfect Circle Credit Union?

What is the lowest credit card APR at Perfect Circle Credit Union?

How many branches does Perfect Circle Credit Union operate?

Is a member application needed to join Perfect Circle Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Perfect Circle Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Perfect Circle Credit Union rates compare?

Current Perfect Circle Credit Union Rates

Compare to Other Credit Unions