Credit union · NCUA insured
Perfect Circle Credit Union CD Rates
Perfect Circle Credit Union’s best CD rate is 3.61% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Perfect Circle Credit Union’s CD rates compare
Compared with banks and credit unions near Richmond, IN, where Perfect Circle Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Perfect Circle Credit Union
3.56%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $356
Share Certificate of Deposit (CD)
Top rate
Kemba Credit Union
4.35%APY
- Term
- 40 months
- Minimum
- $500
- Earns on $10,000
- $1,525
2nd-highest rate
Merchants Bank
4.08%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $408
Perfect Circle Credit Union CD score
72
CD score
Higher than 30% of U.S. banks and credit unions
By term
- 3–8 months3–8 mo3.30%
- 9–15 months9–15 mo3.56%
- 16–30 months16–30 mo3.04%
- 31–60 months31–60 mo3.04%
- QualifiedQualified3.56%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Perfect Circle Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Jumbo Share Certificate
Up to 3.61%APY · 8 terms
Offered on terms of 9 months and above. Dividends are paid monthly and calculated from day of deposit to day of withdrawal. Early withdrawal penalty applies: 30 days' dividends for terms of less than one year, and 90 days' dividends for terms of one year or longer. Membership requires purchasing and maintaining at least 1 share ($25.00 par value) in a Regular Share account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 monthsDividends compounded and credited monthly; dividend period is the account's term. Additional deposits not allowed. Early withdrawal penalty of 30 days' dividends | 3.35% | — |
| 9 monthsDividends paid monthly and calculated from day of deposit to day of withdrawal. Early withdrawal penalty of 30 days' interest | 2.07% | — |
| 12 monthsDividends compounded and credited monthly; dividend period is the account's term. Additional deposits not allowed. Early withdrawal penalty of 90 days' dividends | 3.61% | — |
| 12 monthsDividends paid monthly and calculated from day of deposit to day of withdrawal. Early withdrawal penalty of 90 days' interest | 2.07% | — |
| 15 monthsDividends paid monthly and calculated from day of deposit to day of withdrawal. Early withdrawal penalty of 90 days' interest | 2.32% | — |
| 18 monthsDividends compounded and credited monthly; dividend period is the account's term. Additional deposits not allowed. Early withdrawal penalty of 90 days' dividends | 3.09% | — |
| 18 monthsDividends paid monthly and calculated from day of deposit to day of withdrawal. Early withdrawal penalty of 90 days' interest | 2.58% | — |
| 24 monthsDividends compounded and credited monthly; dividend period is the account's term. Additional deposits not allowed. Early withdrawal penalty of 90 days' dividends | 3.09% | — |
| 24 monthsDividends paid monthly and calculated from day of deposit to day of withdrawal. Early withdrawal penalty of 90 days' interest | 2.84% | — |
| 36 monthsDividends compounded and credited monthly; dividend period is the account's term. Additional deposits not allowed. Early withdrawal penalty of 90 days' dividends | 2.58% | — |
| 36 monthsDividends paid monthly and calculated from day of deposit to day of withdrawal. Early withdrawal penalty of 90 days' interest | 2.84% | — |
| 48 monthsDividends compounded and credited monthly; dividend period is the account's term. Additional deposits not allowed. Early withdrawal penalty of 90 days' dividends | 2.58% | — |
| 48 monthsDividends paid monthly and calculated from day of deposit to day of withdrawal. Early withdrawal penalty of 90 days' interest | 2.84% | — |
| 60 monthsDividends compounded and credited monthly; dividend period is the account's term. Additional deposits not allowed. Early withdrawal penalty of 90 days' dividends | 3.04% | — |
| 60 monthsDividends paid monthly and calculated from day of deposit to day of withdrawal. Early withdrawal penalty of 90 days' interest | 3.09% | — |
Share Certificate of Deposit (CD)
Up to 3.56%APY · 10 terms
Dividends are paid monthly and calculated from day of deposit to day of withdrawal. Early withdrawal penalty applies: 30 days' dividends for terms of less than one year, and 90 days' dividends for terms of one year or longer. Membership requires purchasing and maintaining at least 1 share ($25.00 par value) in a Regular Share account.
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsDividends compounded and credited monthly; dividend period is the account's term. Additional deposits not allowed. Early withdrawal penalty of 30 days' dividends | — | 3.04% | 3.04% | $75 |
| 3 monthsDividends paid monthly and calculated from day of deposit to day of withdrawal. Early withdrawal penalty of 30 days' interest | — | 1.76% | 1.76% | $44 |
| 6 monthsDividends compounded and credited monthly; dividend period is the account's term. Additional deposits not allowed. Early withdrawal penalty of 30 days' dividends | — | 3.30% | 3.30% | $164 |
| 6 monthsDividends paid monthly and calculated from day of deposit to day of withdrawal. Early withdrawal penalty of 30 days' interest | — | 2.02% | 2.02% | $100 |
| 9 monthsDividends compounded and credited monthly; dividend period is the account's term. Additional deposits not allowed. Early withdrawal penalty of 30 days' dividends | — | 3.30% | 3.30% | $246 |
| 9 monthsDividends paid monthly and calculated from day of deposit to day of withdrawal. Early withdrawal penalty of 30 days' interest | — | 2.02% | 2.02% | $151 |
| 12 monthsDividends compounded and credited monthly; dividend period is the account's term. Additional deposits not allowed. Early withdrawal penalty of 90 days' dividends | 3.56% | — | 3.56% | $356 |
| 12 monthsDividends paid monthly and calculated from day of deposit to day of withdrawal. Early withdrawal penalty of 90 days' interest | 2.02% | — | 2.02% | $202 |
| 15 monthsDividends paid monthly and calculated from day of deposit to day of withdrawal. Early withdrawal penalty of 90 days' interest | 2.27% | — | 2.27% | $285 |
| 18 monthsDividends compounded and credited monthly; dividend period is the account's term. Additional deposits not allowed. Early withdrawal penalty of 90 days' dividends | 3.04% | — | 3.04% | $459 |
| 18 monthsDividends paid monthly and calculated from day of deposit to day of withdrawal. Early withdrawal penalty of 90 days' interest | 2.53% | — | 2.53% | $382 |
| 24 monthsDividends compounded and credited monthly; dividend period is the account's term. Additional deposits not allowed. Early withdrawal penalty of 90 days' dividends | 3.04% | — | 3.04% | $617 |
| 24 monthsDividends paid monthly and calculated from day of deposit to day of withdrawal. Early withdrawal penalty of 90 days' interest | 2.78% | — | 2.78% | $564 |
| 36 monthsDividends compounded and credited monthly; dividend period is the account's term. Additional deposits not allowed. Early withdrawal penalty of 90 days' dividends | 2.53% | — | 2.53% | $778 |
| 36 monthsDividends paid monthly and calculated from day of deposit to day of withdrawal. Early withdrawal penalty of 90 days' interest | 2.78% | — | 2.78% | $857 |
| 48 monthsDividends compounded and credited monthly; dividend period is the account's term. Additional deposits not allowed. Early withdrawal penalty of 90 days' dividends | 2.53% | — | 2.53% | $1,051 |
| 48 monthsDividends paid monthly and calculated from day of deposit to day of withdrawal. Early withdrawal penalty of 90 days' interest | 2.78% | — | 2.78% | $1,159 |
| 60 monthsDividends compounded and credited monthly; dividend period is the account's term. Additional deposits not allowed. Early withdrawal penalty of 90 days' dividends | 2.99% | — | 2.99% | $1,587 |
| 60 monthsDividends paid monthly and calculated from day of deposit to day of withdrawal. Early withdrawal penalty of 90 days' interest | 3.04% | — | 3.04% | $1,615 |
Special-purpose accounts
Youth CD
Up to 3.61%APY · 1 term
Term certificate for youth members. Dividends are paid monthly and calculated from day of deposit to day of withdrawal. Early withdrawal penalty of 90 days' dividends applies for 1-year term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDividends compounded and credited monthly; dividend period is the account's term. Additional deposits not allowed. Early withdrawal penalty of 90 days' dividends | 3.61% | $361 |
| 12 monthsDividends paid monthly and calculated from day of deposit to day of withdrawal. Early withdrawal penalty of 90 days' interest | 2.07% | $207 |
Sources (2)
All captured Sep 18, 2026
IRA Share Certificate
Up to 3.56%APY · 10 terms
Available for Traditional and Roth IRAs. Dividends are paid monthly and calculated from day of deposit to day of withdrawal. Early withdrawal penalty applies: 30 days' dividends for terms under one year, and 90 days' dividends for terms of one year or longer (exceptions may apply if paid within 7 days of establishment or owner reaches age 59 1/2 or becomes disabled). Membership requires maintaining at least 1 share ($25.00 par value) in a Regular Share account.
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsDividends compounded and credited monthly; dividend period is the account's term. Additional deposits not allowed. Early withdrawal penalty of 30 days' dividends | — | 3.04% | 3.04% | $75 |
| 3 monthsDividends paid monthly and calculated from day of deposit to day of withdrawal. Early withdrawal penalty of 30 days' interest | — | 1.76% | 1.76% | $44 |
| 6 monthsDividends compounded and credited monthly; dividend period is the account's term. Additional deposits not allowed. Early withdrawal penalty of 30 days' dividends | — | 3.30% | 3.30% | $164 |
| 6 monthsDividends paid monthly and calculated from day of deposit to day of withdrawal. Early withdrawal penalty of 30 days' interest | — | 2.02% | 2.02% | $100 |
| 9 monthsDividends compounded and credited monthly; dividend period is the account's term. Additional deposits not allowed. Early withdrawal penalty of 30 days' dividends | — | 3.30% | 3.30% | $246 |
| 9 monthsDividends paid monthly and calculated from day of deposit to day of withdrawal. Early withdrawal penalty of 30 days' interest | — | 2.02% | 2.02% | $151 |
| 12 monthsDividends compounded and credited monthly; dividend period is the account's term. Additional deposits not allowed. Early withdrawal penalty of 90 days' dividends | 3.56% | — | 3.56% | $356 |
| 12 monthsDividends paid monthly and calculated from day of deposit to day of withdrawal. Early withdrawal penalty of 90 days' interest | 2.02% | — | 2.02% | $202 |
| 15 monthsDividends paid monthly and calculated from day of deposit to day of withdrawal. Early withdrawal penalty of 90 days' interest | 2.27% | — | 2.27% | $285 |
| 18 monthsDividends compounded and credited monthly; dividend period is the account's term. Additional deposits not allowed. Early withdrawal penalty of 90 days' dividends | 3.04% | — | 3.04% | $459 |
| 18 monthsDividends paid monthly and calculated from day of deposit to day of withdrawal. Early withdrawal penalty of 90 days' interest | 2.53% | — | 2.53% | $382 |
| 24 monthsDividends compounded and credited monthly; dividend period is the account's term. Additional deposits not allowed. Early withdrawal penalty of 90 days' dividends | 3.04% | — | 3.04% | $617 |
| 24 monthsDividends paid monthly and calculated from day of deposit to day of withdrawal. Early withdrawal penalty of 90 days' interest | 2.78% | — | 2.78% | $564 |
| 36 monthsDividends compounded and credited monthly; dividend period is the account's term. Additional deposits not allowed. Early withdrawal penalty of 90 days' dividends | 2.53% | — | 2.53% | $778 |
| 36 monthsDividends paid monthly and calculated from day of deposit to day of withdrawal. Early withdrawal penalty of 90 days' interest | 2.78% | — | 2.78% | $857 |
| 48 monthsDividends compounded and credited monthly; dividend period is the account's term. Additional deposits not allowed. Early withdrawal penalty of 90 days' dividends | 2.53% | — | 2.53% | $1,051 |
| 48 monthsDividends paid monthly and calculated from day of deposit to day of withdrawal. Early withdrawal penalty of 90 days' interest | 2.78% | — | 2.78% | $1,159 |
| 60 monthsDividends compounded and credited monthly; dividend period is the account's term. Additional deposits not allowed. Early withdrawal penalty of 90 days' dividends | 2.99% | — | 2.99% | $1,587 |
| 60 monthsDividends paid monthly and calculated from day of deposit to day of withdrawal. Early withdrawal penalty of 90 days' interest | 3.04% | — | 3.04% | $1,615 |
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.