Credit union · NCUA insured
NATCO CD Rates
NATCO’s best CD rate is 1.00% APY on a 3-month share certificate (CD). Terms run from 3 months to 18 months. Rates checked October 15, 2026.
How NATCO’s CD rates compare
Compared with banks and credit unions near Richmond, IN, where NATCO has the most branches. $10,000, best rate first.
This credit union’s best
NATCO
1.00%APY
- Term
- 3 months
- Minimum
- $500
- Earns on $10,000
- $25
Certificate
Top rate
Kemba Credit Union
4.35%APY
- Term
- 40 months
- Minimum
- $500
- Earns on $10,000
- $1,525
2nd-highest rate
Merchants Bank
4.08%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $408
NATCO CD score
61
CD score
Higher than 4% of U.S. banks and credit unions
- 3–8 months3–8 mo1.00%
- 9–15 months9–15 mo1.00%
- 16–30 months16–30 mo1.00%
- QualifiedQualified1.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where NATCO ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificate
1.00%APY · 4 terms
Penalty for early withdrawal may apply. Automatically renewable.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsPenalty for early withdrawal may apply | 1.00% | $25 |
| 6 monthsPenalty for early withdrawal may apply | 1.00% | $50 |
| 12 monthsPenalty for early withdrawal may apply | 1.00% | $100 |
| 18 monthsPenalty for early withdrawal may apply | 1.00% | $150 |
Sources (1)
- natcocu.org/certificates-iras · captured Oct 5, 2026
Simple Saver Certificate
1.00%APY · 1 term
Penalty for early withdrawal may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsPenalty for early withdrawal may apply | 1.00% | $100 |
Sources (1)
- natcocu.org/certificates-iras · captured Oct 5, 2026
Special-purpose accounts
IRA Certificate
1.10%APY · 1 term
Available as Traditional IRA, Roth IRA, or Roth Conversion IRA. Penalty for early withdrawal may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsApplies to Traditional, Roth, and Roth Conversion IRA certificates. Penalty for early withdrawal may apply | 1.10% | $165 |
Sources (1)
- natcocu.org/certificates-iras · captured Oct 5, 2026
Morey the Moose Kid’s Club Certificate
1.10%APY · 1 term
Penalty for early withdrawal may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsPenalty for early withdrawal may apply | 1.10% | $110 |
Sources (1)
- natcocu.org/certificates-iras · 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.