Knowledge Base

At this time, there are no positions available at Perfect Circle Credit Union. If you are interested in being notified when there are any new job postings, please set an alert below and you will be notified automatically via e-mail. Applications are available at any branch location. Send application/resume to: Human Resources Department, PO Box 29, Hagerstown IN 47346 or E-mail: jsweet@pccu.com Disclaimer: Please note that e-mail is not a secure method of communication and should not contain pe  More...

Any loan that is closed and funded at a branch of PCCU is considered a direct loan. An Indirect Loan is a loan that is obtained at a Merchant or Dealership for the purchase of a specific item from the Merchant or Dealership and then sold to PCCU.

You can bring it back to the credit union and cash it in by using "not used for intended purpose" on the back of the check. We can then issue a new check for the right amount or to the right person.

Terms of Use: The benefits within your IRA will pass directly to your named beneficiaries without being subject to the estate probate process. If your primary beneficiary is your spouse, he/she has the additional option of "assuming" the IRA (taking over ownership). This option could continue to defer taxes on the IRA even longer.

A stop payment can be put on a money order check. A stop payment can be taken over the phone or you can come into any of our branches and fill out the stop payment form. However, if you do a stop payment over the phone, you have to sign the "stop payment" form within fourteen days or the stop payment will be removed. A check then can be reissued at the same time, but in some cases the money can be held before reissued. There is a $20.00 fee to put a stop payment on a money order check. A money   More...

RMD stands for Required Minimum Distribution. If you are 70 ½ or older every IRA that you hold that institution will send you an RMD. It is calculated according to the amount in your IRA. This form is required to be sent in January but the distribution doesn't have to be taken until December of the same year.

There is no limit on how much a person can purchase in travelers checks, however, for any amount over $5000, PCCU would be required to fill out a questionnaire about the transaction from Travellex (the company from whom we buy travelers checks) due to their Anti-Money Laundering guidelines.

The only item you need to bring with you is the document you need notarized.

You must add all RMD's together to get the total that must be withdrawn. You can take all of that from 1 IRA or you can split it between your other IRA's. Example: You have 3 IRA's. One has an RMD of $100, the second one has an RMD of $200, and the third has an RMD of $300. You must take a total RMD of $600. You can take $600 from any one of those IRA's or you can take from two of them or all of them.

h1 { font-size: 13pt; font-weight: bold; } Terms of Use: 1040 Tax Calculator Enter your filing status, income, deductions and credits and we will estimate your total taxes for 2012. Based on your projected withholdings for the year, we can also estimate your tax refund or amount you may owe the IRS next April 2013. In 2012, Federal income tax rates were scheduled to increase to pre-2001 levels, but the 'Tax Relief, Unemployment Insurance Reauthorization, and Job Creation Act of 2010' left the ex  More...