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Natco Credit Union

Popular Accounts at this Credit Union

2.50%Reward CheckingKasasa Cash
1.00%Reward SavingsKasasa Saver
0.35%1-year CD12 Month Simple Saver Certificate

Overview / Commentary
582 S Round Barn Rd
Richmond, IN 47374-4435

Natco Credit Union is headquartered in RICHMOND and is the 45th largest credit union in the state of Indiana. It is also the 1,863rd largest credit union in the nation. It was established in 1945 and as of December of 2016, it had grown to 49 employees and 14,314 members at 3 locations. Natco Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live or work in Fayette, Wayne, Henry, Randolph, Rush, Union and Franklin Counties in Indiana and within a 25-mile radius of Richmond.
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Reviews (1)

Natco Credit Union

Posted by: brawly | Oct 23, 2014

I have been a member of this credit union for about six years now. They always have a wonderfully friendly staff that is more than willing to help with any questions or concerns that you might have. They have many services including checking, savings, auto loans, mortgages, and debt consolidation. They do a very good job of sitting down with you and making it feel like you are important to them when discussing any banking issue you might have. The only down side with this credit union is the limited locations and hours. They have no weekend hours at all, and very few locations, which could lead to some ATM fees if a person does not plan well enough ahead and needs cash for the weekends. Overall, a very good credit union that I would recommend to anyone.

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Natco Credit Union has a relatively low asset base.

Health Grade Components

NCUA #65208
Year Chartered1945
Primary Regulator
Profit Margin
Return on Assets - YTD0.32%
Return on Equity - YTD2.71%
Annual Interest Income$4.5MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$75.6MM$74.9MM
LoansQ4 2016vs Q4 2015$49.6MM$49.3MM
DepositsQ4 2016vs Q4 2015$66.1MM$65.7MM
Equity CapitalQ4 2016vs Q4 2015$9.1MM$8.9MM
Loan Loss AllowanceQ4 2016vs Q4 2015$663.00K$535.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$698.00K$749.00K
Real Estate OwnedQ4 2016vs Q4 2015$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Natco Credit Union Savings Account Rates

1.00%*-$10kKasasa Saver
OTHER TIERS: 0.50% $10k+
0.30%--IRA Shares
0.20%*$1k*-Regular Shares
OTHER TIERS: 0.05% Up to $100 | 0.10% $100 - $1k
0.20%--Christmas Club
0.20%--Vacation Club
0.20%--Special Shares
0.20%--Morey the Moose Savings Account

Natco Credit Union Money Market Rates

0.25%*$25k*-Money Market Account
OTHER TIERS: 0.22% $2,500 - $25k

Natco Credit Union Checking Account Rates

2.50%*-$10kKasasa Cash
OTHER TIERS: 0.50% $10k+

Natco Credit Union CD Rates

0.50%$1k-18 Month Certificate
0.45%$500-12 Month Morey the Moose Certificate
0.45%$500-12 Month Save to Win Certificate
0.35%$1k-12 Month Certificate
0.35%$500-12 Month Simple Saver Certificate
0.25%$1k-6 Month Certificate
0.22%$1k-3 Month Certificate

Natco Credit Union IRA Rates

0.60%$1k-18 Month IRA Certificate
0.60%$1k-18 Month Roth IRA Certificate
0.60%$1k-18 Month Roth Conversion IRA Certificate

Natco Credit Union Locations
Branch Office240 E 30TH STCONNERSVILLE, IN 47331-3102
Branch Office582 S ROUND BARN RDRICHMOND, IN 47374-4435
Branch Office4 GLEN MILLER PKWYRICHMOND, IN 47374-3562