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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Natco Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 8, 2026
Natco Credit Union's 12 month Morey the Moose Kid's Club CD rates are at 1.10%, 12 month Save to Win CD rates are at 1.10%, 18 month IRA CD rates are at 1.10%, 18 month Roth Conversion IRA CD rates are at 1.10%, 18 month Roth IRA CD rates are at 1.10%. 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 5.02%. Rates were last updated on 04/08/2026. 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. 
Natco Credit Union CD Rates
Natco Credit Union Savings Rates
Natco Credit Union Money Market Rates
Natco Credit Union Home Equity & HELOC
Natco Credit Union Credit Card Rates
Natco Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates 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
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.02%
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
3
Money Market Shares
72
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
1,913,015
Total Liabilities
123,086,428
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Natco Credit UnionIs Natco Credit Union a safe place to deposit money?Yes, Natco Credit Union is considered a safe financial institution. With a Texas Ratio of 5.0173604467501%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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. Current Natco Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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