What are the current interest rates at Natco Credit Union?

Current rates for Natco Credit Union include: Savings: 0.25%, MMA: 0.75%

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Natco Credit Union

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Natco Credit Union Rates & Review May 2026

Q: How many branches does Natco Credit Union operate?

Natco Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join Natco Credit Union?

Yes, to access services at Natco Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, Natco Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Natco Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 20, 2026

Natco Credit Union's savings rates are at 0.25%. Natco Credit Union's money market rates are at 0.75%. Natco Credit Union's Personal Loan Rates are at 9.95%. MonitorBankRates evaluates the financial stability of Natco Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.61%. Rates were last updated on 05/20/2026.

Natco Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Natco Credit Union? Share your experience about Natco Credit Union by leaving a review below, or read customer reviews before you decide to use Natco Credit Union.

Verified Healthy Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.61%

Excellent Lower than avg

Natco Credit Union
Main

582 S ROUND BARN RD
RICHMOND, IN 47374 4435

https://www.natcocu.org

Natco Credit Union Savings Rates

Product	Rate	APY
Christmas Club	-	0.25%
No additional details. Last Updated 05/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%
Morey the Moose Kids Savings	-	0.25%
No additional details. Last Updated 05/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%
Special Savings	-	0.25%
No additional details. Last Updated 05/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%
Vacation Club	-	0.25%
No additional details. Last Updated 05/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%

Natco Credit Union Money Market Rates

Product	Rate	APY	View More
Money Market Accounts	-	0.75%
Min Balance $2,500 Details Penalty for early withdrawal may apply Last Updated 05/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%

Natco Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Fixed Rate Home equity loan program	-	-	6.50%
No additional details. Last Updated 05/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%
Home Equity Line of Credit	-	-	6.50%
Details As Low As Last Updated 05/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%
Variable Rate Home equity loan program	-	-	6.75%
No additional details. Last Updated 05/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%

Natco Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto loans - new or used	-	-	4.95%	Varies
Details As Low As Last Updated 05/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%

Natco Credit Union Credit Card Rates

Product	Rate	APR
Simple Visa Credit Card	-	12.20%
No additional details. Last Updated 05/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%
Rewards Visa Credit Card	-	14.20%
No additional details. Last Updated 05/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%
Secured Visa Credit Card	-	21.20%
No additional details. Last Updated 05/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%

Natco Credit Union Personal Loan Rates

Product	Rate	APR
Personal loans	-	9.95%
Details As Low As; *APR is the Annual Percentage Rate.Terms and conditions are subject to change without notice. Subject to credit approval. Rate may vary based on individual creditworthiness. Last Updated 05/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%
Personal line of credit	-	10.75%
Details As Low As; *APR is the Annual Percentage Rate.Terms and conditions are subject to change without notice. Subject to credit approval. Rate may vary based on individual creditworthiness. Last Updated 05/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Natco Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Natco Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Natco Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Natco Credit Union

Website https://www.natcocu.org

Address 582 S ROUND BARN RD, RICHMOND, IN 47374 4435

Phone 765-962-2561

Fax 765-966-3727

President Mike Helms

CEO Cynthia Duke

Full-Time Employees 72

Part-Time Employees 3

Branch Locations 3

ATM Locations 3

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.61%

Return on Assets (ROA)

1.0340%

Return on Equity (ROE)

5.9495%

Non-Performing Loans Ratio (NPL)

1.12%

Total Assets

146,297,443

Total Amount of Shares and Deposits

121,611,742

Total Shares and Deposits < 1 Year

121,342,103

Total Shares and Deposits 1 3 Years

269,639

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

2,293,631

Total Uninsured Shares and Deposits > $250K (F+J)

2,293,631

Total Insured Shares and Deposits > $250K (item 17 less item K)

119,318,111

Total Interest Expense (Sum of items 6 8)

889,565

Share Certificates

392

Number of Accounts for Share Drafts

14,460

IRA KEOGH Accounts

227

Number of Accounts for Regular Shares

26,404

All other shares

Money Market Shares

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

1,913,015

Total Liabilities

123,086,428

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Natco Credit Union earned the Verified Healthy badge

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Natco Credit Union

Frequently Asked Questions About Natco Credit Union

How many branches does Natco Credit Union operate?

Natco Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Natco Credit Union?

Yes, to access services at Natco Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Natco Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Natco Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Natco Credit Union offer online and mobile banking?

Most modern institutions like Natco Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.natcocu.org.