PO Box 29
Hagerstown, IN 47346

Notable Rates APY Vs.Others
Savings 0.25% 1.90% →
1-Year CD 0.75% 1.90% →
2-Year CD 0.90% 1.95% →
5-Year CD 1.51% 2.00% →
30-Year Mortgage N.A. 3.14% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.50% →

2020 Overview

General Credit Union Information

Perfect Circle is located in Hagerstown, In. It was founded in 1932 and has approximately $52.85 millions in assets.

NCUA Insured No
Charter Number # # 82792
Date Established 1932
Assets $52.85 million
Loans $30.12 million
Deposits $46.31 million
Capital $5.98 million

Field of Membership Restrictions

Membership is open to those who live or work in Henry and Wayne Counties in Indiana.

Deposit Rates - April 8, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.20% $2,500 $9,999 Learn MoreShow Less
Money Market
0.25% $10,000 $24,999 Learn MoreShow Less
Money Market
0.30% $25,000 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.20% $1,000 - Learn MoreShow Less
6 Mo CD
0.50% $1,000 - Learn MoreShow Less
Special: 9 Mo CD
1.31% $500 $49,999 Learn MoreShow Less
Special: 9 Mo CD
1.41% $50,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.50% $1 - Learn MoreShow Less
Fixed IRA
0.75% $500 - Learn MoreShow Less
Special: 9 Mo FIRA
1.31% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $500 - Learn MoreShow Less

Loan Rates - April 8, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for PERFECT CIRCLE

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
4.542% 4.500% 0.00 $1,250 $1,267 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
People's United Bank, N.A.
People's United Bank, N.A.
3.500 %
$0 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.


Below are Perfect Circle branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Perfect Circle Locations

Financial Details

Perfect Circle Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Perfect Circle. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Perfect Circle U.S. Average
5.09% 5.92

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of September 30, 2019, Perfect Circle had $241,897 in non-current loans and $69,535 in owned assets. To cover these potential losses it had $5,983,993 in net worth and $138,440 in loans loss reserves. That gives it a Texas Ratio of 5.09%.

Net Worth
Perfect Circle U.S. Average
11.32% 13.86%

Perfect Circle FCU has a net worth of 11.32% versus the BestCashCow average of 13.86. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Perfect Circle

Branches and Savings

What is Perfect Circle?

A federal credit union, registered with the NCUA under certificate #82792.
Learn more about credit unions here.

Is Perfect Circle FDIC insured?

No, Perfect Circle credit union is not insured by the FDIC because it is not a bank. Because it is state chartered and not federally chartered, it is also not insured by the NCUA. Deposits may or may not be insured by private deposit insurance and you should check with the state chartering organization to confirm whether and to what level your deposits are required to be protected.

Who can join Perfect Circle?

Please see Field of Membership information above for information on who is eligible to join.

What are Perfect Circle's share account and share certificate rates?

Perfect Circle's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Perfect Circle?

Perfect Circle has total capital of $5.98 million. Full information on Perfect Circle's financial position is located above.

Who owns Perfect Circle?

Credit Unions are owned by their members.

Where are Perfect Circle branches located?

See branch locations nearby.

Are Perfect Circle ATMs Open 24/7?

Do Perfect Circle ATMs accept cash deposits?

Can Perfect Circle customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Perfect Circle have a mobile app?

Does Perfect Circle have mobile deposit?

Does Perfect Circle have quick pay?

How can Perfect Circle transfer money to other banks or credit unions?

Does Perfect Circle report to credit bureaus?

Does Perfect Circle use Chexsystems?

Does Perfect Circle use Equifax?

What is Perfect Circle's toll free phone number?

What is Perfect Circle's ACH Routing Number?

What is Perfect Circle's SWIFT code?

Where can I find Perfect Circle's wire transfer form?

What is the Perfect Circle address for deposits?

What Products Does Perfect Circle Offer

Does Perfect Circle offer mortgages?

Compare mortgage rates here.

Does Perfect Circle offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Perfect Circle offer auto and RV loans?

Compare auto loan rates here.

Does Perfect Circle offer student loans or personal loans?

Compare personal loan rates here.

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