Business Details
50+ Years
experience
Emergency
services
Your Trusted Financial Partner in Hagerstown, IN
Since 1932, Perfect Circle Credit Union has served working families in Wayne and Henry Counties, Indiana, with a steadfast commitment to the philosophy of 'People Helping People.' Our mission centers on creating mutually profitable relationships with members by providing valuable financial products, maintaining open communication, and delivering exceptional service experiences. We prioritize financial education and progressive technology to empower members to achieve their life goals.As the oldest credit union in the region, we've adapted to economic challenges while preserving our dedication to community-focused service. Our history of innovation includes expanding membership eligibility to all residents of Wayne and Henry Counties and introducing Saturday hours to better serve our community. With three full-service branches and a robust digital banking platform, we combine local expertise with modern financial solutions to meet the evolving needs of our members.
Services
Auto Loans
Home Equity Loans
Personal Loans
Credit Cards
Checking Accounts
Savings Accounts
IRAs
HSAs
Wire Transfers
Estate Planning
Details
- Year established: 1932
Highlights and features
- We offer over 90 years of experience in community-focused financial services
- Our commitment to financial education empowers members to achieve their goals
- We provide $250,000 NCUSIF insurance on all eligible accounts
- Our local decision-making ensures personalized service and faster loan approvals
- We maintain 3 convenient branch locations with extended Saturday hours
Associations and certifications
- National Credit Union Administration (NCUA)
Services
Auto Loans
Our auto loans provide competitive rates for new and used vehicle purchases. Members benefit from flexible terms and local decision-making that ensures quick approval processes. We offer financing options for both primary vehicles and specialty transportation needs.
Home Equity Loans
We offer home equity loans with favorable terms for home improvements, debt consolidation, or major purchases. Our personalized approach considers each member's unique financial situation to create sustainable lending solutions that support long-term financial health.
Credit Cards
Our credit card options include rewards programs and low-rate alternatives designed to build credit responsibly. The PCCU Visa Platinum series offers security features and benefits tailored to our members' spending habits and financial goals.
Checking Accounts
We provide multiple checking account options including Ultimate Checking with premium benefits and NextGen Checking for younger members. All accounts include free online banking, mobile deposit, and nationwide ATM access through partner networks.
Savings Accounts
Our savings solutions range from basic Diamond Savings accounts to high-yield Ultimate Saver options. We also offer specialized accounts like HSAs and IRAs with tax advantages to help members achieve both short-term and retirement savings goals.
Questions
What areas does Perfect Circle Credit Union serve?
We serve all residents and businesses in Wayne and Henry Counties, Indiana, with convenient branch locations in Hagerstown, New Castle, and Richmond.
Are my deposits insured at Perfect Circle Credit Union?
Yes, all eligible accounts are insured up to $250,000 by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA.
What digital banking options are available?
We offer mobile banking apps, online bill pay, audio banking, and card security features through our MyPCCU platform for 24/7 account access.
How can I report a lost or stolen debit card?
Call our 24/7/365 card service line at 1-866-550-1680 immediately to report lost or stolen cards and request replacements.
Do you offer financial education resources?
Yes, we provide free financial education programs covering budgeting, credit management, and homeownership preparation through in-person workshops and online resources.
What loan types are available for first-time homebuyers?
We offer conventional mortgages, FHA loans, and home equity options with competitive rates and down payment assistance programs for qualifying first-time buyers.
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