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Advertiser Disclosure
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 Perfect Circle Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 10, 2026
Perfect Circle Credit Union's 2 Year Jumbo CD rates are at 2.58%, 3 Year Jumbo CD rates are at 2.58%, 4 Year Jumbo CD rates are at 2.58%, 5 Year Jumbo CD rates are at 2.58%, 2 Year CD rates are at 2.53%. Perfect Circle Credit Union's savings rates are at 0.55%. Perfect Circle Credit Union's money market rates are at 0.30%. Perfect Circle Credit Union's Personal Loan Rates are at 9.99%. 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 5.15%. Rates last updated and verified on 09/10/2026. 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. 
Perfect Circle Credit Union CD Rates
Perfect Circle Credit Union Savings Rates
Perfect Circle Credit Union Money Market Rates
Perfect Circle Credit Union Checking Rates
Perfect Circle Credit Union Auto Loan Rates
Perfect Circle Credit Union Personal Loan Rates
Financial Health HistoryPerfect Circle Credit Union’s Texas Ratio stayed near 5.23% in Q2 2023 to 5.15% in Q1 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 amber line marks the 15% level a credit union must stay under 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 threshold
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates 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
2
Branch Locations
3
ATM Locations
3
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.15%
Return on Assets (ROA)
0.1911%
Return on Equity (ROE)
1.5664%
Non-Performing Loans Ratio (NPL)
1.82%
Total Assets
64,837,128
Total Amount of Shares and Deposits
57,286,029
Total Shares and Deposits < 1 Year
55,398,648
Total Shares and Deposits 1 3 Years
1,688,806
Total Shares and Deposits > 3 Years
198,574
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
827,705
Total Uninsured Shares and Deposits > $250K (F+J)
827,705
Total Insured Shares and Deposits > $250K (item 17 less item K)
56,458,324
Total Interest Expense (Sum of items 6 8)
90,726
Share Certificates
232
Number of Accounts for Share Drafts
3,972
IRA KEOGH Accounts
104
Number of Accounts for Regular Shares
6,753
All other shares
17
Money Market Shares
96
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)
5,256,668
Total Liabilities
57,922,936
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Perfect Circle Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Perfect Circle Credit Union
Frequently Asked Questions About Perfect Circle Credit UnionHow 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. Current Perfect Circle Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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