Credit union · NCUA insured
NATCO Savings Rates
NATCO’s best savings rate is 0.75% APY on $10,000, with its Money Market Savings. Rates checked October 15, 2026.
How NATCO’s savings 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
2.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $200
Kasasa Saver
Top rate
Merchants Bank
3.75%APY
- Requires
- None
- Minimum
- $50
- Earns on $10,000 a year
- $375
2nd-highest rate
Kemba Credit Union
2.00%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $200
NATCO savings score
84
Savings score
Higher than 67% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.75%
- $100,000 balance$100,0000.75%
- QualifiedQualified2.00%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Savings
0.75%APY
$2,500 minimum balance requirement. Limited check writing ability. Penalty for early withdrawal may apply.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $10,000Penalty for early withdrawal may apply | 0.75% | — | Penalty for early withdrawal may apply |
| $10,000 – $24,999Penalty for early withdrawal may apply | 0.75% | $75 | Penalty for early withdrawal may apply |
| $25,000 – $50,000Penalty for early withdrawal may apply | 0.75% | — | Penalty for early withdrawal may apply |
| $50,000 and upPenalty for early withdrawal may apply | 0.75% | — | Penalty for early withdrawal may apply |
Regular Shares
0.25%APY
Primary membership share savings account. Dividends paid quarterly. No monthly maintenance fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $100 | 0.05% | — |
| $100 – $1,000 | 0.10% | — |
| Over $1,000 | 0.25% | $25 |
Special Savings
0.25%APY
Separate secondary savings account for specific savings goals. No minimum balance required. No monthly maintenance fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.25% | $25 |
Kasasa Saver
0.00%APY on $10,000
Requires a linked Kasasa Cash checking account. Monthly dividends and ATM fee refunds from Kasasa Cash are automatically transferred to Kasasa Saver. No monthly maintenance fees.
| Part of the balance | Rate on that part |
|---|---|
| Over $10,000 | 0.50% |
On $10,000 the tiers blend to about 0.00% APY, earning $0 a year.
Sources (3)
All captured Oct 5, 2026
Special-purpose accounts
IRA Shares
0.35%APY
Includes Traditional IRA Shares, IRA Roth Shares, and IRA Roth Conversion Shares. No minimum balance required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceApplies to Traditional IRA Shares, IRA Roth Shares, and IRA Roth Conversion Shares. Fees may reduce earnings.Any balance | 0.35% | $35 | Applies to Traditional IRA Shares, IRA Roth Shares, and IRA Roth Conversion Shares. Fees may reduce earnings. |
Sources (1)
- natcocu.org/rates · captured Oct 5, 2026
Christmas Club
0.25%APY
No minimum balance required. Funds become available when the holiday season begins. No monthly maintenance fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.25% | $25 |
Morey the Moose Kids Savings
0.25%APY
Savings program for children aged 12 and under. Includes savings incentives and quarterly newsletter. No minimum balance required. No monthly maintenance fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAvailable to children 12 and under.Any balance | 0.25% | $25 | Available to children 12 and under. |
Vacation Club
0.25%APY
Dedicated account to save for vacations. No minimum balance required. No monthly maintenance fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.25% | $25 |
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.