Credit union · NCUA insured
Perfect Circle Credit Union Credit Card Rates
Perfect Circle Credit Union credit cards start at 11.75% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How Perfect Circle Credit Union’s credit card rates compare
Compared with banks and credit unions near Richmond, IN, where Perfect Circle Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Perfect Circle Credit Union
11.75%APR
PCCU Visa Platinum Low Rate Credit Card
Lowest rate
Kemba Credit Union
9.90%APR
3rd-lowest rate
3Rivers Federal Credit Union
18.00%APR
Perfect Circle Credit Union credit card score
74
Credit card score
Higher than 37% of U.S. banks and credit unions
- Purchase APRPurchase APR11.75%
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 credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
PCCU Visa Platinum Low Rate Credit Card
No annual fee. No application fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.75% | None | Credit Score: 800+ |
| Ongoing | 13.75% | None | Credit Score: 700 - 799 |
| Ongoing | 17.75% | None | Credit Score: 600 - 699 |
| Ongoing | 21.75% | None | Credit Score: < 600 |
Sources (3)
- pccu.com/loan-rates-demo
- pccu.com/pccu-visa-platinum-low-rate-credit-card
- pccu.com/products-services/loans/visa-credit-cards
All captured Oct 5, 2026
PCCU Visa Platinum Rewards Credit Card
No annual fee. No application fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.75% | None | Credit Score: 800+ |
| Ongoing | 15.75% | None | Credit Score: 700 - 799 |
| Ongoing | 18.75% | None | Credit Score: 600 - 699 |
| Ongoing | 22.75% | None | Credit Score: < 600 |
Sources (3)
- pccu.com/loan-rates-demo
- pccu.com/pccu-visa-platinum-rewards-credit-card
- pccu.com/products-services/loans/visa-credit-cards
All captured Oct 5, 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This may be incomplete or out of date, so check with the credit union before you apply.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.