Credit union · NCUA insured
Perfect Circle Credit Union Auto Loan Rates
Perfect Circle Credit Union auto loans start at 5.39% APR for a new vehicle and 5.39% for a used one. Rates checked October 15, 2026.
How Perfect Circle Credit Union’s auto loan rates compare
Compared with banks and credit unions near Richmond, IN, where Perfect Circle Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Perfect Circle Credit Union
5.39%APR
- Terms
- up to 60 months
New Auto Loans
Lowest rate
HCP Credit Union
4.50%APR
- Terms
- —
2nd-lowest rate
NATCO
4.95%APR
- Terms
- —
Perfect Circle Credit Union auto loan score
76
Auto loan score
Higher than 40% of U.S. banks and credit unions
- New vehicleNew5.39%
- Used vehicleUsed5.39%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Perfect Circle Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New Auto Loans
Terms up to 84 months depending on credit; maximum loan amount up to 105% of MSRP; no penalty for early payoff. Pricing based on credit score and term. Open a new Checking Account with initial $1,000 deposit or Direct Deposit to receive an additional 0.10% discount on approved rate.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 6.79% | — |
| up to 72 months | 5.39% | — |
| up to 60 months | 5.39% | — |
| up to 48 months | 5.35% | — |
| up to 36 months | 5.05% | — |
| up to 24 months | 5.00% | — |
Sources (1)
- pccu.com/products-services/loans/auto-loans · captured Oct 7, 2026
Used Auto Loans
Terms up to 72 months depending on credit and vehicle age; maximum loan amount up to 110% of J.D. Power Retail Value depending on credit and vehicle age; no penalty for early payoff. Pricing based on credit score and term. Open a new Checking Account with initial $1,000 deposit or Direct Deposit to receive an additional 0.10% discount on approved rate.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.39% | Used 2022 & Newer |
| up to 60 months | 5.39% | Used 2022 & Newer |
| up to 48 months | 5.35% | Used 2022 & Newer |
| up to 36 months | 5.05% | Used 2022 & Newer |
| up to 24 months | 5.00% | Used 2022 & Newer |
| up to 72 months | 6.84% | Used 2018 - 2021 |
| up to 60 months | 6.39% | Used 2018 - 2021 |
| up to 48 months | 6.34% | Used 2018 - 2021 |
| up to 36 months | 6.09% | Used 2018 - 2021 |
| up to 24 months | 6.04% | Used 2018 - 2021 |
| up to 60 months | 9.34% | Used 2017 & Older |
| up to 48 months | 8.89% | Used 2017 & Older |
| up to 36 months | 8.84% | Used 2017 & Older |
| up to 24 months | 8.59% | Used 2017 & Older |
Sources (1)
- pccu.com/products-services/loans/auto-loans · captured Oct 7, 2026
Who can join Perfect Circle Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals living or working in Henry County, Indiana are eligible for membership.
- Individuals living or working in Wayne County, Indiana are eligible for membership.
Family and household
- Family members are eligible to join under the Family membership group.
Membership information collected October 5, 2026.