PO Box 29
Hagerstown, IN 47346


2018 Overview

General Credit Union Information

NCUA Insured No
Charter Number # # 82792
Date Established 1932
Assets $54.11 million
Loans $30.71 million
Deposits $48.59 million
Capital $5.68 million

Perfect Circle is located in Hagerstown, In. It was founded in 1932 and has approximately $54.11 millions in assets.

Field of Membership Restrictions

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

Deposit Rates - October 22, 2018

Your Current Location: Virginia, VA 20146

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
Fixed IRA
0.50% $500 - Learn MoreShow Less
Special: 18 Mo FIRA
2.10% $500 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.10% $1,000 - Learn MoreShow Less
6 Mo CD
0.25% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.50% $1 - Learn MoreShow Less

Loan Rates - October 22, 2018

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2018

Lender APR Rate (%) Points Fees Monthly
Learn More
J.G. Wentworth Home Lending, LLC
NMLS ID: 2925
License#: MC-1875
4.773% 4.750% 0.25 $678 $1,305 Learn More
Ally Bank
NMLS ID: 181005
5.038% 5.000% 0.00 $1,164 $1,343 Learn More NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.676% 4.625% 0.25 $1,600 $1,286 Learn More
Rocket Mortgage
NMLS ID: 3030
5.250% 5.250% 0.00 $0 $1,381 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 4.240% $245.68 Learn More
Flagstar Bank 5.490% $283.58 Learn More

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
5.94% 5.78

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 June 30, 2018, Perfect Circle had $249,332 in non-current loans and $95,620 in owned assets. To cover these potential losses it had $5,681,281 in net worth and $121,418 in loans loss reserves. That gives it a Texas Ratio of 5.94%.

Net Worth
Perfect Circle U.S. Average
10.49% 13.21%

Perfect Circle FCU has a net worth of 10.49% versus the BestCashCow average of 13.21. 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 On Perfect Circle

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 $5.68 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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