Perfect Circle Credit Union Hagerstown IN | Affordable Auto Loans & Business Banking

Introduction

At Perfect Circle, we believe in the power of community and the importance of financial wellness. Established in 1932, our credit union has been a trusted partner for the residents of Hagerstown, IN for over nine decades. Located conveniently at 631 E Main St, Hagerstown, IN 47346, we are dedicated to serving our 5,496 members with a range of financial services designed to meet their unique needs. With total assets exceeding $62,277,063 and total deposits amounting to $6,454,169, we prioritize your financial security and growth. Our commitment is reflected not only in our impressive financial health but also in our personalized service approach. Under the leadership of CEO Joshua Haney and Board President Tina Davis, our team of 24 employees works tirelessly to provide you with exceptional banking experiences. While members can visit us at our branch address, official correspondence should be sent to PO Box 29, Hagerstown, IN 47346. We encourage you to explore our offerings which include personal banking solutions like checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. Feel free to reach out to us at 765-489-4571 or visit our website at pccu.com for more information on how we can help you achieve your financial goals. Join us today as we continue to build a stronger community together!

Branch History & Mission

Join Us Today

As we continue this journey together, we invite you to become part of the Perfect Circle family. Experience firsthand how our member-centric approach can help you achieve your financial goals. Whether you're looking for personal banking options or seeking guidance on loans and savings plans, we're here for you every step of the way. For more information or assistance, feel free to call us at 765-489-4571 or explore our website at pccu.com. Together, let's build a brighter financial future!

Our Journey

Perfect Circle began its journey nearly a century ago with a simple vision: to empower individuals and families through accessible financial services. Over the years, we have achieved many milestones that reflect our dedication to innovation and service. From humble beginnings to becoming a pillar of support for our members, our evolution is marked by community-focused initiatives and responsive banking solutions. Located at 631 E Main St, Hagerstown, IN 47346, our branch is easily accessible for all members. We invite you to visit us during our operating hours Monday, Tuesday, and Thursday from 8 AM to 5 PM; Wednesday from 10 AM to 5 PM; and Friday from 8 AM to 6 PM. In addition to our lobby services, we also offer drive-thru banking and ATM access for added convenience.

Our Mission

At Perfect Circle, our mission is clear: we aim to provide exceptional personal banking services while promoting financial literacy and community development. We are dedicated not only to meeting the financial needs of our members but also to enhancing their overall quality of life. Through tailored solutions like auto loans, mortgages, personal loans, and more, we strive to make dreams attainable for everyone. Our commitment extends beyond traditional banking. We actively participate in local events and partnerships that foster community growth. By supporting various outreach programs and educational initiatives, we believe in giving back to the area that has supported us throughout the years. While members can visit us at 631 E Main St, official correspondence should be sent to PO Box 29, Hagerstown, IN 47346 if you need assistance or wish to reach out regarding your accounts.

Branch Location & Accessibility

Welcome to Perfect Circle, your friendly financial partner located at 631 E Main St in Hagerstown, IN. We're proud to serve our members in Wayne County and the surrounding areas. Our branch is easy to find, nestled near local landmarks that make your visit even more convenient. Whether you're stopping by after a trip to the nearby park or on your way home from shopping, we're here to help with all your banking needs. While members can visit us at 631 E Main St, official correspondence should be sent to PO Box 29, Hagerstown, IN 47346. Our location is designed for accessibility, featuring ADA-compliant entrances and ample parking so everyone can access our services with ease. At Perfect Circle, we understand that life is busy. That's why we offer flexible operating hours for your convenience: we're open Monday, Tuesday, and Thursday from 8 AM to 5 PM; Wednesday from 10 AM to 5 PM; and Friday from 8 AM to 6 PM. Need cash? You'll find an ATM on-site for quick access to your funds whenever you need them. Plus, our drive-thru banking allows you to take care of deposits and withdrawals without leaving your car. We offer a wide range of personal banking services including checking and savings accounts, auto loans, mortgage loans, personal loans, and credit cards with rewards. If you have business banking needs, we've got you covered there too! Have questions or need assistance? Don't hesitate to give us a call at 765-489-4571. We look forward to welcoming you into our branch and helping you achieve your financial goals!

Member Eligibility

Joining the Perfect Circle community is a step towards better financial health and support. At Perfect Circle, we believe that everyone deserves access to quality banking services, which is why our membership is open to those who live, work, or worship in Hagerstown and the surrounding areas. Whether you're just starting out on your financial journey or looking for a place that truly understands your needs, becoming a member means you'll have access to personalized services designed with you in mind. For detailed eligibility criteria, check out our website at Perfect Circle Membership Qualifications. Opening an account with us is simple and straightforward! You can start the process online by visiting Account Opening or feel free to reach out to us at 765-489-4571 if you have any questions. We're here to help you every step of the way as you become part of a welcoming community that values your financial well-being. Come visit us at 631 E Main St, Hagerstown, IN 47346, and discover all the advantages of being a Perfect Circle member today!

Business Banking & Commercial Services

Merchant Services That Work for You

Beyond loans, our merchant services simplify transactions for your customers while enhancing your operational efficiency. Imagine being able to accept payments seamlessly, whether online or in-store, allowing you to focus on what truly matters growing your business. Located conveniently at 631 E Main St Hagerstown In 47346, our team is ready to help you navigate your financial needs. Reach out today at (765) 489-4571, and let's talk about how we can support your business journey!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. Additionally, we support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

ATM and Drive-Thru Services

Accessibility matters. That's why we provide ATM and cash withdrawal services, along with a convenient drive-thru banking option for deposits, withdrawals, and other simple transactions. Whether you're in a hurry or prefer personal interaction, we've made sure there's an option for everyone. At Perfect Circle, we aim to create an environment where members feel valued and supported. Our commitment extends beyond mere transactions; we strive to build lasting relationships with every member of our community. Ready to explore how we can assist you? Visit us today at 631 E Main St Hagerstown In 47346 or call us at (765) 489-4571! Let's work together towards your financial success!

Business Banking

If you're a business owner, we offer comprehensive business banking services, including merchant services and business loans. We know how crucial it is for businesses to have access to reliable financial resources, so we're committed to supporting local entrepreneurs like you.

Credit Cards

Our credit cards with rewards offer more than just purchasing power; they provide benefits that add value to your everyday spending. Enjoy earning rewards points while managing your purchases conveniently.

Loans and Financing

When it comes to financing, we've got you covered with competitive rates on auto loans and vehicle financing. If you're in the market for a new car or looking to refinance your current auto loan, we can help make that process smooth and straightforward. Additionally, our mortgage loans and refinancing options are designed to assist you in securing your dream home with ease. For those unexpected expenses or plans that require additional funds, consider our personal loans and debt consolidation solutions. We understand that life happens, and we're here to help you navigate those moments without stress.

Personal Banking

We believe that banking should be simple and accessible. With our personal banking services, you can choose from various checking and savings accounts tailored to fit your lifestyle. Imagine having the ability to manage your finances easily from anywhere through our online and mobile banking options. Whether you're checking your balance or transferring funds, it's all just a click away.

Digital & Online Banking

Access Anytime

Our commitment to accessibility means you can manage your accounts whenever it suits you best. Whether it's early morning or late at night, our online banking platform is ready when you are. At Perfect Circle, we believe that banking should adapt to your life not the other way around. Embrace the ease and security of digital banking with us today! Visit https://www.pccu.com/ to learn more about how we can help simplify your financial journey.

Enhanced Security

Your security is our top priority. That's why we offer electronic signature authorization for transactions, giving you peace of mind while handling sensitive tasks online. Additionally, e-statements are available so you can keep track of your financial activities securely without cluttering your inbox.

Mobile Banking Features

Take your banking experience even further with our mobile application. It allows you to perform all the essential functions right from your smartphone. Need to make a payment? Want to deposit a check? You can do it all without stepping into a branch! And if you prefer using mobile payments for convenience at checkout, we support that too.

Online Banking Services

With our 24/7 online banking services available at https://www.pccu.com/ , you can check your account balances, pay bills, and transfer funds with just a few clicks. Whether you're at home or on the go, managing your finances is as simple as logging in. Plus, if you're looking to make payments directly to friends or family, our person-to-person transfers make it quick and hassle-free.

Financial Strength

Commitment to Growth

Our commitment to growth is reflected in our $7,182,492 in undivided earnings, which allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $659 in used auto loans and $26,150,248 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Growing Membership Base

With total share accounts reaching 11,596, we show a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Perfect Circle is your trusted partner. Visit us at 631 E Main St Hagerstown In 47346 or call (765) 489-4571 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Member-Focused Savings

Members' savings are secured through $6,742,663 in share certificates and $4,077,904 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is highlighted by a net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 21 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Health

With a net worth of $7,182,492, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,153 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $8,940,496 in used vehicle loans and $2,005,647 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles to fit your budget and lifestyle.

Credit Lines

Need extra flexibility? Our credit lines total $4,500,000, providing you with immediate access to funds when unexpected expenses arise or when you want to make a large purchase without disrupting your budget. At Perfect Circle, we prioritize our members' needs. If you're interested in any of our loan products or would like to explore refinancing options and eligibility criteria, feel free to reach out at 765-489-4571. For more information about membership qualifications and to start your application process online, visit our website at pccu.com. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Explore the possibilities with Perfect Circle today!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $3,863,508, allowing you to invest in a home that's right for you. If you're considering refinancing your existing mortgage, we have flexible terms that can help you save money over time.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $503,221 in loans helping members manage their finances effectively. These cards come with benefits that allow you to track your spending and earn rewards along the way.

Loan Aggregator

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PERFECT CIRCLE CREDIT UNION