Credit union · NCUA insured
NATCO Credit Card Rates
NATCO credit card rates start at 12.45% APR. Rates checked October 15, 2026.
How NATCO’s credit card rates compare
Compared with banks and credit unions near Richmond, IN, where NATCO has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
NATCO
– –
No ongoing APR published
Lowest rate
Kemba Credit Union
9.90%APR
2nd-lowest rate
Perfect Circle Credit Union
11.75%APR
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
REAL FREEDOM Rewards Visa
Limits as low as $500 for building/rebuilding credit. International transactions incur a 1% foreign transaction fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.45%–25.00% | None | Standard APR based on creditworthiness; applies after introductory period. |
| Intro, 6 months | 3.90% | None | Introductory APR on purchases for the first 6 months from account open date; after that time, current standard rates apply. |
| Intro, 12 months | 3.90% | None | Introductory APR for balance transfers posted during the first 12 months from account open date; no balance transfer fee. |
REAL FREEDOM Secured Visa
Secure a line with as little as $500. No introductory APR. Secured cards are excluded from the Installment Payment offer. International transactions incur a 1% foreign transaction fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 21.45% | None | No introductory APR. APR is based on creditworthiness. |
REAL FREEDOM Simple Visa
Limits as low as $500 for building/rebuilding credit. International transactions incur a 1% foreign transaction fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.45%–23.45% | None | Standard APR based on creditworthiness; applies after introductory period. |
| Intro, 6 months | 3.90% | None | Introductory APR on purchases for the first 6 months from account open date; after that time, current standard rates apply. |
| Intro, 12 months | 3.90% | None | Introductory APR for balance transfers posted during the first 12 months from account open date; no balance transfer fee. |
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This may be incomplete or out of date, so check with the credit union before you apply.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.