Perfect Circle Credit Union

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Review based on 12 criteria Rating: 3 out of 5

PO Box 29, Hagerstown, IN 47346

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Perfect Circle Credit Union was founded in 1932. Headquartered in Hagerstown, Indiana, Perfect Circle Credit Union is a state chartered and not federally insured credit union, being chartered in Indiana but not insured through the National Credit Union Share Insurance Fund (NCUSIF). Perfect Circle Credit Union is also a member of the , which allows a credit union to access low cost secured borrowings or advances and prlides its members with financial products and services that assist and enhance the financing of housing and community lending.

As of December 31, 2016, Perfect Circle Credit Union services 6,906 members through its 3 offices and branches and 27 full-time and 4 part-time employees. It has $52,401,524 of total assets and $5,577,198 of net worth. Based on its asset size and net worth ratio, Perfect Circle Credit Union is classified as a Well Capitalized medium credit union.

Perfect Circle Credit Union offers a number of deposit and loan products to its members. To find out how competitive the offers are, please go to the Interest Rates page. Perfect Circle Credit Union also provides an array of services to its members and local communities. To find out more, please go to the Services page.

The following two tables list the deplitory and loan interest rates of Perfect Circle Credit Union’s popular offerings. You can find out how competitive the offerings are by comparing them to the median interest rates offered by credit unions in Indiana and in the nation.

Major Deplitory Accounts and Interest Rates (%)

Interest Rate
Median of Indiana
Median of USA
Checking
0.8500
0.0000
0.0000
Savings
0.2300
0.1000
0.1200
Money Market
0.3900
0.2200
0.2500
Certificate Deplit
1.0500
0.5000
0.5800
IRA
0.6100
0.4300
0.5000

Major Loan Accounts and Interest Rates (%)

Interest Rate
Median Rates of Indiana
National Median Rates
Credit Cards
11.9000
11.0000
9.9900
Unsecured Line of Credits
9.1400
10.3650
10.9500
Short-term Small Amount
n/a
28.0000
25.0000
Student Loans
n/a
6.1400
6.0200
New Car Loans
3.7700
3.2900
3.3300
Used Car Loans
4.3100
4.4600
4.5000
1st Mortgage Real Estates
4.3700
4.2500
4.2500
Other Real Estates
5.8000
4.7500
4.7000

Perfect Circle Credit Union prlides a number of ways to access its services. In addition to its office and branches, a member can perform banking through Internet, phones, ATMs, and mobile devices. The table below lists the electronic banking services prlided by Perfect Circle Credit Union.

Electronic Banking Service Offerings

Membership Application
Yes
No
Share Account Transfers
Yes
New Loan Application
Yes
Share Draft Orders
Yes
No
New Share Account
No
Bill Payment
Yes
No
e-Statements
Yes
Loan Payments
Yes
No
Account Balance Inquiry
Yes
No
No
View Account History
Yes
No

As a community financial institution, Perfect Circle Credit Union actively involves in local communities by prliding services such as financial education, financial literacy workshops, and first tim home buyer programs.

Community and other Service Offerings

Financial Counselling
No
Bilingual Services
No
Free Bill Pay
Yes
Financial Education
Yes
In-School Branches
No
Free Tax Preparation Service
No
Financial Literacy Workshops
Yes
Student Scholarships
Yes
Insurance/Investment Sales
Yes
First Time Homebuyer Program
No
2306 S Memorial Dr
2306 S Memorial Dr
New Castle, IN 47362
Phone:

631 E Main St
631 E Main St
Hagerstown, IN 47346
Phone:

77 S 37th St
77 S 37th St
Richmond, IN 47374
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  1. dizhome.ru Staff
    dizhome.ru Staff

    Last Updated on May 30, 2017

    May 30, 2017 at 10:27 pm

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