Perfect Circle Credit Union
Verified rate book
Current Perfect Circle Credit Union rates
90 published offers verified as of August 4, 2026.
Auto & vehicle rates
44 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Used Vehicle: 2022 & Newer; 2018-2021; 2017 & Older (24 months)auto_used_24mo | 5.000% APR | 5.000% | 24 mo · used | Standard |
| 24-Month Used Auto Loanauto_used_24mo | 5.000% APR | 5.000% | 24 mo · used | Standard |
| We refinance auto loans from other lenders to save you moneyauto | 5.000% APR | 5.000% | — | Standard |
| 24-Month New Auto Loanauto_new_24mo | 5.000% APR | 5.000% | 24 mo · new | Standard |
| 24-Month Used Auto Loan (2022 and Newer)auto_used_24mo | 5.000% APR | 5.000% | 24 mo · used | Standard |
| Used Vehicle 2021 & Newer; Used Vehicle 2017 - 2020; and Used Vehicle 2016 & Older (24 months)auto_used_24mo | 5.000% APR | 5.000% | 24 mo · used | Standard |
| Used Vehicle 2021 & Newer; Used Vehicle 2017 - 2020; and Used Vehicle 2016 & Older (36 months)auto_used_36mo | 5.050% APR | 5.050% | 36 mo · used | Standard |
| Used Vehicle: 2022 & Newer; 2018-2021; 2017 & Older (36 months)auto_used_36mo | 5.050% APR | 5.050% | 36 mo · used | Standard |
| 36-Month Used Auto Loan (2022 and Newer)auto_used_36mo | 5.050% APR | 5.050% | 36 mo · used | Standard |
| 36-Month Used Auto Loanauto_used_36mo | 5.050% APR | 5.050% | 36 mo · used | Standard |
| 36-Month New Auto Loanauto_new_36mo | 5.050% APR | 5.050% | 36 mo · new | Standard |
| 48-Month Used Auto Loan (2022 and Newer)auto_used_48mo | 5.350% APR | 5.350% | 48 mo · used | Standard |
| 48-Month New Auto Loanauto_new_48mo | 5.350% APR | 5.350% | 48 mo · new | Standard |
| 48-Month Used Auto Loanauto_used_48mo | 5.350% APR | 5.350% | 48 mo · used | Standard |
| Used Vehicle: 2022 & Newer; 2018-2021; 2017 & Older (48 months)auto_used_48mo | 5.350% APR | 5.350% | 48 mo · used | Standard |
| Used Vehicle 2021 & Newer; Used Vehicle 2017 - 2020; and Used Vehicle 2016 & Older (48 months)auto_used_48mo | 5.350% APR | 5.350% | 48 mo · used | Standard |
| Used Vehicle 2021 & Newer; Used Vehicle 2017 - 2020; and Used Vehicle 2016 & Older (60 months)auto_used_60mo | 5.390% APR | 5.390% | 60 mo · used | Standard |
| Used Vehicle: 2022 & Newer; 2018-2021; 2017 & Older (60 months)auto_used_60mo | 5.390% APR | 5.390% | 60 mo · used | Standard |
| 72-Month New Auto Loanauto_new_72mo | 5.390% APR | 5.390% | 72 mo · new | Standard |
| 60-Month New Auto Loanauto_new_60mo | 5.390% APR | 5.390% | 60 mo · new | Standard |
| 72-Month Used Auto Loanauto_used_72mo | 5.390% APR | 5.390% | 72 mo · used | Standard |
| 72-Month Used Auto Loan (2022 and Newer)auto_used_72mo | 5.390% APR | 5.390% | 72 mo · used | Standard |
| Used Vehicle: 2022 & Newer; 2018-2021; 2017 & Older (72 months)auto_used_72mo | 5.390% APR | 5.390% | 72 mo · used | Standard |
| Used Vehicle 2021 & Newer; Used Vehicle 2017 - 2020; and Used Vehicle 2016 & Older (72 months)auto_used_72mo | 5.390% APR | 5.390% | 72 mo · used | Standard |
| 24-Month Used Auto Loan (2018–2021)auto_used_24mo | 6.040% APR | 6.040% | 24 mo · used | Standard |
| 24-Month Used Auto Loanauto_used_24mo | 6.040% APR | 6.040% | 24 mo · used | Standard |
| 36-Month Used Auto Loanauto_used_36mo | 6.090% APR | 6.090% | 36 mo · used | Standard |
| 36-Month Used Auto Loan (2018–2021)auto_used_36mo | 6.090% APR | 6.090% | 36 mo · used | Standard |
| 48-Month Used Auto Loanauto_used_48mo | 6.340% APR | 6.340% | 48 mo · used | Standard |
| 48-Month Used Auto Loan (2018–2021)auto_used_48mo | 6.340% APR | 6.340% | 48 mo · used | Standard |
| 60-Month Used Auto Loanauto_used_60mo | 6.390% APR | 6.390% | 60 mo · used | Standard |
| 60-Month Used Auto Loan (2018–2021)auto_used_60mo | 6.390% APR | 6.390% | 60 mo · used | Standard |
| 84-Month New Auto Loanauto_new_84mo | 6.790% APR | 6.790% | 84 mo · new | Standard |
| 72-Month Used Auto Loan (2018–2021)auto_used_72mo | 6.840% APR | 6.840% | 72 mo · used | Standard |
| 72-Month Used Auto Loanauto_used_72mo | 6.840% APR | 6.840% | 72 mo · used | Standard |
| Other Secured: Boat - RV - ATV - Mobile Home - Classic Auto (1-60 Months)boat_any_60mo | 6.990% APR | 6.990% | 60 mo | Standard |
| 24-Month Used Auto Loan (2017 and Older)auto_used_24mo | 8.590% APR | 8.590% | 24 mo · used | Standard |
| 36-Month Used Auto Loan (2017 and Older)auto_used_36mo | 8.840% APR | 8.840% | 36 mo · used | Standard |
| 48-Month Used Auto Loan (2017 and Older)auto_used_48mo | 8.890% APR | 8.890% | 48 mo · used | Standard |
| Other Secured: Boat - RV - ATV - Mobile Home - Classic Auto (61-120 Months)boat_any_120mo | 8.990% APR | 8.990% | 120 mo | Standard |
| 60-Month Used Auto Loan (2017 and Older)auto_used_60mo | 9.340% APR | 9.340% | 60 mo · used | Standard |
| 60-Month Used Auto Loanauto_used_60mo | 9.340% APR | 9.340% | 60 mo · used | Standard |
| Auto Loans (Terms for Used Cars, Trucks, and Motorcycles up to 72 months, depending on credit and vehicle age)motorcycle_used_72mo | 10.000% APR | 10.000% | 72 mo · used | Standard |
| Other Secured: Boat - RV - ATV - Mobile Home - Classic Auto (121-180 Months)boat_any_180mo | 10.990% APR | 10.990% | 180 mo | Standard |
HELOC rates
3 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Home Equity-Closed-End Fixed Rates (10 Years)heloc_fixed | 7.500% APR | 7.500% | — | Standard |
| Home Equity Closed-End Fixed Rates (15 Years)heloc_fixed | 7.650% APR | 7.650% | — | Standard |
| Home Equity Closed-End Fixedheloc_fixed | 7.650% APR | 7.650% | — | Standard |
Personal loan rates
5 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Other Secured Loanpersonal_secured_60mo | 6.990% APR | 6.990% | 60 mo | Standard |
| Other Secured Loanpersonal_secured_120mo | 8.990% APR | 8.990% | 120 mo | Standard |
| Personal Loan Rates (1-36 Months)personal_unsecured_36mo | 9.990% APR | 9.990% | 36 mo | Standard |
| Personal Loan Rates (37-60 Months)personal_unsecured_60mo | 10.240% APR | 10.240% | 60 mo | Standard |
| Other Secured Loanpersonal_secured_180mo | 10.990% APR | 10.990% | 180 mo | Standard |
Credit card rates
6 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Low Rate Credit Cardcredit_card_low_rate | 11.750% APR | 11.750% | — | Standard |
| Credit Cardcredit_card | 13.750% APR | 13.750% | — | Standard |
| Rewards Credit Cardcredit_card_rewards | 13.750% APR | 13.750% | — | Standard |
| Credit Cardcredit_card | 15.750% APR | 15.750% | — | Standard |
| Credit Cardcredit_card | 18.750% APR | 18.750% | — | Standard |
| Credit Cardcredit_card | 22.750% APR | 22.750% | — | Standard |
Savings & CD rates
32 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Diamond Money Marketmoney_market | 0.30% APY | 0.30% | — | Standard |
| Tier 3savings | 0.30% APY | 0.30% | — | Standard |
| Individual Retirement Accounts (IRAs) (IRA & HSA Shares)ira | 0.35% APY | 0.35% | — | Standard |
| Tier 2savings | 0.40% APY | 0.40% | — | Standard |
| Tier 1savings | 0.50% APY | 0.50% | — | Standard |
| 3-Month Certificatecd_3mo | 1.50% APY | 1.50% | 3 mo | Standard |
| 3-Month IRA Certificateira_cd_3mo | 1.50% APY | 1.50% | 3 mo | Standard |
| 12-Month Certificatecd_12mo | 1.75% APY | 1.75% | 12 mo | Standard |
| 9 Month CD 9 Month Jumbo IRA CDira_cd_9mo | 1.75% APY | 1.75% | 9 mo | Standard |
| 6-Month IRA Certificateira_cd_6mo | 1.75% APY | 1.75% | 6 mo | Standard |
| 1 Year CD Jumbo CD IRA CDira_cd_12mo | 1.75% APY | 1.75% | 12 mo | Standard |
| 9-Month Certificatecd_9mo | 1.75% APY | 1.75% | 9 mo | Standard |
| 6-Month Certificatecd_6mo | 1.75% APY | 1.75% | 6 mo | Standard |
| 9 Month Jumbo CDcd_9mo | 1.80% APY | 1.80% | 9 mo | Standard |
| Jumbo CDcd_12mo | 1.80% APY | 1.80% | 12 mo | Standard |
| Youth CDcd | 1.80% APY | 1.80% | — | Eligibility restricted |
| 15 Month CD Jumbo CD IRA CDira_cd_15mo | 2.25% APY | 2.25% | 15 mo | Standard |
| 15-Month Certificatecd_15mo | 2.25% APY | 2.25% | 15 mo | Standard |
| 18-Month Certificatecd_18mo | 2.25% APY | 2.25% | 18 mo | Standard |
| 18 Month CD Jumbo CD IRA CDira_cd_18mo | 2.25% APY | 2.25% | 18 mo | Standard |
| Jumbo CDcd_15mo | 2.30% APY | 2.30% | 15 mo | Standard |
| 5 Year CD Jumbo CD IRA CDira_cd_60mo | 2.50% APY | 2.50% | 60 mo | Standard |
| 36-Month Certificatecd_36mo | 2.50% APY | 2.50% | 36 mo | Standard |
| 24-Month Certificatecd_24mo | 2.50% APY | 2.50% | 24 mo | Standard |
| 2 Year CD Jumbo CD IRA CDira_cd_24mo | 2.50% APY | 2.50% | 24 mo | Standard |
| 3 Year CD Jumbo CD IRA CDira_cd_36mo | 2.50% APY | 2.50% | 36 mo | Standard |
| 4 Year CD Jumbo CD IRA CDira_cd_48mo | 2.50% APY | 2.50% | 48 mo | Standard |
| 48-Month Certificatecd_48mo | 2.50% APY | 2.50% | 48 mo | Standard |
| 60-Month Certificatecd_60mo | 2.50% APY | 2.50% | 60 mo | Standard |
| 5 Year Jumbo CDcd_60mo | 2.55% APY | 2.55% | 60 mo | Standard |
| Jumbo CDcd_24mo | 2.55% APY | 2.55% | 24 mo | Standard |
| 4 Year Jumbo CDcd_48mo | 2.55% APY | 2.55% | 48 mo | Standard |
Vehicle loans available from 5% APR for 24 months. HELOC rates from 7.5% APR. Personal loan rates from 6.99% APR. Credit card rates from 11.75% APR. Savings and certificate yields up to 2.55% APY.
Source: RateAPI.dev, verified from Perfect Circle Credit Union's official website
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About Perfect Circle Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 5.3K
- Assets
- $64.8M
- Founded
- 1932
- Locations reported
- 3
- NCUA charter
- 68719
- Charter type
- Federally insured state-chartered credit union
Services and member support
- Online membership application
- Online loan application
- Electronic statements
- Mobile check deposit
- Mobile payments
- Financial education
- Student scholarships
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
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Who Can Join Perfect Circle Credit Union
Membership eligibility from Perfect Circle Credit Union's own published criteria. How we verify this.
Community charter: live/work in Wayne County, Henry County
- LocationWayne County, Henry County
- OccupationEmployed - Wayne County, Employed - Henry County
Verified from Perfect Circle Credit Union's membership page. Final membership determination is always made by the credit union.
Work at Perfect Circle Credit Union?
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Frequently Asked Questions
What rates does Perfect Circle Credit Union offer?
Perfect Circle Credit Union currently offers vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are Perfect Circle Credit Union rates updated?
RateAPI verifies Perfect Circle Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get Perfect Circle Credit Union's rate data?
Rate data is collected directly from Perfect Circle Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What are Perfect Circle Credit Union's auto, boat & motorcycle loan rates?
As of August 4, 2026, Perfect Circle Credit Union offers vehicle loans from 5% APR.
What is Perfect Circle Credit Union's HELOC rate?
As of August 4, 2026, Perfect Circle Credit Union offers home equity lines of credit from 7.5% APR.
What is Perfect Circle Credit Union's personal loan rate?
As of August 4, 2026, Perfect Circle Credit Union offers personal loans from 6.99% APR.
What is Perfect Circle Credit Union's best CD rate?
As of August 4, 2026, Perfect Circle Credit Union offers savings and certificate (CD) yields up to 2.55% APY.
Related Rate Data
Compare Perfect Circle Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
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# Get rates for Perfect Circle Credit Union
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