--- title: "Natco Credit Union Rates (Nov 2026): CDs to 4.00%, Vehicle 4.95%" description: "Natco Credit Union rates today: vehicle loans from 4.95% APR, savings & CDs up to 4.00% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Natco Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/indiana/natco" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Natco Credit Union Rates (Nov 2026): CDs to 4.00%, Vehicle 4.95% ### Auto & vehicle rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Boats and motor homes** boat | — APR | 4.950% | — | Standard | | **Auto loans – new or used** auto_any | 4.950% APR | 4.950% | any | Standard | Natco Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Home Equity Loan (Fixed)** heloc_fixed | — APR | 6.750% | — | Standard | | **Home Equity Loan (Variable)** heloc_variable | — APR | 7.000% | — | Standard | Natco Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Unsecured Personal Loan** personal_unsecured | — APR | 9.950% | — | Standard | | **Personal Line of Credit** ploc_variable | — APR | 11.000% | — | Standard | Natco Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Simple Visa Credit Card** credit_card | — APR | 12.450% | — | Standard | | **Rewards Credit Card** credit_card_rewards | — APR | 14.450% | — | Standard | | **Secured Credit Card** credit_card_secured | — APR | 21.450% | — | Standard | Natco Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 8 offers | Product | Published | Rate | Term / condition | Status | | **3-Month Certificate** cd_3mo | 1.00% APY | 1.00% | 3 mo | Standard | | **6-Month Certificate** cd_6mo | 1.00% APY | 1.00% | 6 mo | Standard | | **12 month Simple Saver certificate** cd_12mo | — APY | 1.00% | 12 mo | Standard | | **18 month Roth Conversion IRA certificate** ira_cd_18mo | — APY | 1.10% | 18 mo | Standard | | **12 month Morey the Moose Kid’s Club certificate** cd_12mo | 1.10% APY | 1.10% | 12 mo | Eligibility restricted | | **18-Month Certificate** cd_18mo | 1.10% APY | 1.00% | 18 mo | Standard | | **Kasasa Saver** savings | 2.00% APY | 1.98% | — | Standard | | **Kasasa Cash** savings | 4.00% APY | 3.93% | — | Standard | Natco Credit Union savings & cd rates as of November 12, 2026 ### Other rates 1 offer | Product | Published | Rate | Term / condition | Status | | **FREEDOM Fast** other | — % | 21.000% | — | Standard | Natco Credit Union other rates as of November 12, 2026 Vehicle loans available from 4.95% APR. Savings and certificate yields up to 4.00% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/indiana/natco) , verified from [Natco Credit Union's official website](https://www.natcocu.org/home-payment-relief/) Loading branch locator… ## About Natco Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 17.2K Assets $155.4M Founded 1945 Locations reported 3 NCUA charter 65208 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Kemba** Richmond · Richmond · IN · 47374 About 0.4 miles away](https://rateapi.dev/credit-unions/ohio/kemba) [**Three Rivers** Richmond Central · Richmond · IN · 47374-5424 About 0.4 miles away](https://rateapi.dev/credit-unions/indiana/three-rivers) [**Health Care Professionals** HCPFCU - Main Office · Richmond · IN · 47374 About 1.7 miles away](https://rateapi.dev/credit-unions/indiana/health-care-professionals) [**Perfect Circle** 77 S 37th St · Richmond · IN · 47374 About 2.1 miles away](https://rateapi.dev/credit-unions/indiana/perfect-circle) [**Richmond Light Employees** Main Office · Richmond · IN · 47374 About 2.2 miles away](https://rateapi.dev/credit-unions/indiana/richmond-light-employees) [**Wayne County** Wayne County FCU · Richmond · IN · 47374-4583 About 2.8 miles away](https://rateapi.dev/credit-unions/indiana/wayne-county) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Natco Credit Union Membership eligibility from Natco Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Natco Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer industrial worker Verified from [Natco Credit Union's membership page](https://www.natcocu.org/become-a-member/) . Final membership determination is always made by the credit union. ## Membership rules for Natco Credit Union Employers · Family 2 published paths to membership, last verified August 21, 2026, quoted from Natco Credit Union’s own published criteria. ### Employers 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of industrial worker “Must be an industrial worker within a 25-mile radius of Richmond, Indiana.” > [source ↗](https://www.natcocu.org/become-a-member/) - Employee of industrial worker ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member spouse, partner, parent, grandparent, sibling, child “Must be an immediate family member (spouse/partner, parent, grandparent, sibling, child) of an existing Natco Credit Union member.” > [source ↗](https://www.natcocu.org/become-a-member/) - Family member (spouse, partner, parent, grandparent, sibling, child) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Natco Credit Union? Yes No ## Work at Natco Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Natco Credit Union ranks against Indiana peers. - See which AI assistants fetched Natco Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Indiana - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=natco&state=indiana&code=IN&name=Natco%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Natco Credit Union offer? Natco Credit Union currently offers vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Natco Credit Union rates updated? RateAPI verifies Natco Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Natco Credit Union's rate data? Rate data is collected directly from Natco Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What are Natco Credit Union's auto & boat loan rates? As of November 12, 2026, Natco Credit Union offers vehicle loans from 4.95% APR. ### What is Natco Credit Union's best CD rate? As of November 12, 2026, Natco Credit Union offers savings and certificate (CD) yields up to 4.00% APY. ### Who can join Natco Credit Union? Natco Credit Union publishes its membership criteria on its own website. RateAPI tracks 2 published membership paths covering 1 employer for Natco Credit Union, each quoted from Natco Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Natco Credit Union's rates against national credit-union benchmarks. [More Indiana credit unions](https://rateapi.dev/credit-unions/indiana) [Indiana auto loan rate leaders](https://rateapi.dev/auto-loan-rates/indiana) [Indiana HELOC rate leaders](https://rateapi.dev/heloc-rates/indiana) [Indiana personal loan leaders](https://rateapi.dev/personal-loan-rates/indiana) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.natcocu.org/home-payment-relief/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Natco Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Indiana credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Natco Credit Union curl "https://api.rateapi.dev/credit-unions/indiana /natco " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Natco Credit Union locations Search, filter, and browse all 3 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/indiana/natco Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp