Credit union · NCUA insured
Perfect Circle Credit Union Savings Rates
Perfect Circle Credit Union’s best savings rate is 0.55% APY on $10,000, with its Diamond Savings. Rates checked October 15, 2026.
How Perfect Circle Credit Union’s savings 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
0.55%APY
- Minimum
- $7,500
- Earns on $10,000 a year
- $55
Diamond Savings
Top rate
Merchants Bank
3.75%APY
- Minimum
- $50
- Earns on $10,000 a year
- $375
2nd-highest rate
Kemba Credit Union
2.00%APY
- Minimum
- $0
- Earns on $10,000 a year
- $200
Perfect Circle Credit Union savings score
78
Savings score
Higher than 46% of U.S. banks and credit unions
- $10,000 balance$10,0000.55%
- $100,000 balance$100,0000.55%
- QualifiedQualified0.55%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Diamond Savings
0.55%APY
Minimum balance is $7,500.00. If balance falls below $7,500.00, no interest is earned, and a $10 monthly fee is assessed until the balance returns to the minimum. No checking/debit card access. Account transfer and withdrawal limitations apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $7,500 and upDividends are paid monthly and calculated from day of deposit to day of withdrawal. $10 monthly fee applies if balance falls below $7,500.00.$7,500 and up | 0.55% | $55 | Dividends are paid monthly and calculated from day of deposit to day of withdrawal. $10 monthly fee applies if balance falls below $7,500.00. |
Diamond Money Market
0.40%APY
Minimum opening deposit $2,500. Withdrawal/transfer limit of 6 per month per preauthorized, automatic, telephonic, or mobile channels. $20 monthly fee assessed if balance falls below $2,500 until balance returns to minimum.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $10,000Tier 3: $2,500.00 to $9,999.99. | 0.30% | — | Tier 3: $2,500.00 to $9,999.99. |
| $10,000 – $25,000Tier 2: $10,000.00 to $24,999.99. | 0.40% | $40 | Tier 2: $10,000.00 to $24,999.99. |
| $25,000 and upTier 1: $25,000.00 or greater. | 0.50% | — | Tier 1: $25,000.00 or greater. |
Special-purpose accounts
Health Savings Account (HSA) Shares
0.35%APY
Must have a High Deductible Health Plan (HDHP) to qualify.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends are paid quarterly and calculated from day of deposit to day of withdrawal.Any balance | 0.35% | $35 | Dividends are paid quarterly and calculated from day of deposit to day of withdrawal. |
Sources (2)
All captured Sep 18, 2026
Traditional / Roth Club IRA
0.35%APY
Traditional and Roth IRAs available. No minimum balance required for Club accounts. Account transfer and withdrawal limitations apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends are paid quarterly and calculated from day of deposit to day of withdrawal.Any balance | 0.35% | $35 | Dividends are paid quarterly and calculated from day of deposit to day of withdrawal. |
Super Saver Account
0.25%APY
Must be 12 years old or younger to enroll in Super Saver Club (or 18 years of age or younger per TIS disclosure). Requires $25 to open membership account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends are paid quarterly and calculated from day of deposit to day of withdrawal.Any balance | 0.25% | $25 | Dividends are paid quarterly and calculated from day of deposit to day of withdrawal. |
Youth Club
0.25%APY
Club account for youth savings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends are paid quarterly and calculated from day of deposit to day of withdrawal.Any balance | 0.25% | $25 | Dividends are paid quarterly and calculated from day of deposit to day of withdrawal. |
Sources (1)
- pccu.com/products-services/sav…cellaneous-club-accounts · captured Sep 18, 2026
Christmas Club
0.05%APY
Paid annually on October 31. Accounts closed before October 31 will not be paid dividends (unless closed within 7 days of opening). If you choose to withdraw early, the total balance must be withdrawn.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends are calculated on an average daily balance basis and paid annually on October 31.Any balance | 0.05% | $5 | Dividends are calculated on an average daily balance basis and paid annually on October 31. |
Sources (2)
- pccu.com/products-services/sav…cellaneous-club-accounts
- pccu.com/wp-content/uploads/2020/12/disclosure_rate1.pdf
All captured Sep 18, 2026
Club For (Misc. Future Expenses) Accounts
0.05%APY
No minimum opening deposit stated. Account transfer and withdrawal limitations apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends are paid quarterly and calculated from day of deposit to day of withdrawal.Any balance | 0.05% | $5 | Dividends are paid quarterly and calculated from day of deposit to day of withdrawal. |
Sources (2)
- pccu.com/products-services/sav…cellaneous-club-accounts
- pccu.com/wp-content/uploads/2020/12/disclosure_rate1.pdf
All captured Sep 18, 2026
Vacation Club
0.05%APY
No withdrawal restrictions stated on club page.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends are paid quarterly and calculated from day of deposit to day of withdrawal.Any balance | 0.05% | $5 | Dividends are paid quarterly and calculated from day of deposit to day of withdrawal. |
Sources (1)
- pccu.com/products-services/sav…cellaneous-club-accounts · captured Sep 18, 2026
Payroll Club / Savings
0.00%APY
Account transfer and withdrawal limitations apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends are paid quarterly and calculated from day of deposit to day of withdrawal.Any balance | 0.00% | $0 | Dividends are paid quarterly and calculated from day of deposit to day of withdrawal. |
Sources (2)
- pccu.com/products-services/sav…cellaneous-club-accounts
- pccu.com/wp-content/uploads/2020/12/disclosure_rate1.pdf
All captured Sep 18, 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.