Credit union · NCUA insured
NATCO Auto Loan Rates
NATCO auto loans start at 4.95% APR for a new vehicle and 4.95% for a used one. Rates checked October 15, 2026.
How NATCO’s auto loan rates compare
Compared with banks and credit unions near Richmond, IN, where NATCO has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
NATCO
4.95%APR
- Terms
- —
Auto loans – new or used
Lowest rate
HCP Credit Union
4.50%APR
- Terms
- —
3rd-lowest rate
Kemba Credit Union
5.39%APR
- Terms
- up to 63 months
NATCO auto loan score
86
Auto loan score
Higher than 72% of U.S. banks and credit unions
- New vehicleNew4.95%
- Used vehicleUsed4.95%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where NATCO ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto loans – new or used
Subject to credit approval. Rate may vary based on individual creditworthiness. APR will be based on member's credit score, term, and any applicable fees. The minimum loan amount required for a 96 month term is $60,000.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.95% | As low as 4.95% APR. Terms vary. Subject to credit approval. Rate may vary based on individual creditworthiness. Terms and conditions are subject to change without notice. |
Sources (1)
- natcocu.org/auto-loans · captured Oct 5, 2026
Who can join NATCO
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live or work in Wayne, Fayette, Randolph, Henry, Rush, Union, or Franklin counties in Indiana are eligible for membership.
Employers and groups
- Industrial workers within a 25-mile radius of Richmond, Indiana are eligible for membership.
Family and household
- Immediate family members (spouse/partner, parent, grandparent, sibling, child) of an existing Natco Credit Union member are eligible for membership.
Cost to join
- A minimum deposit of $5 is required to fund the account upon joining.
Membership information collected October 5, 2026.