At a glance
From its website, read 2 Nov 2026NATCO Credit Union is a credit union based in Richmond, Indiana. Its website describes auto loans, credit-builder loans, small-dollar emergency loans and 2 other loan types. Consumer loan APRs stated on its site range from 4.95% to 9.95%. It says it considers borrowers with low or no credit history. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Lending | (765) 966-1108 source |
|---|---|
| Apply online | Page with the application link |
| Website | www.natcocu.org |
| Office (official list) | PO Box 817, Richmond, IN 47375 |
What their website says about applying
With Natco, you can get pre-approved for a loan before choosing a car.
sourceYou can fill out an application online or in person. It’s up to you.
sourceGet in touch with a mortgage loan specialist
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Auto / vehicle loans | Rate: from 4.95% APR | 4.95% APR* | source |
| Personal / consumer loans | Rate: 9.95% APR | 9.95% APR* | source |
| Loans (general) | Term: see their wording | Flexible Terms: Choose from various repayment options: 3, 6, 9, 12, or 18 months. | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Low or damaged credit considered
Worried about poor credit history? Let us help.
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 21 Aug 2015 |
| RSSD ID | 321497 |
| Address | PO Box 817, Richmond, IN 47375 Directions to the main office (Google Maps) |
| Website | www.natcocu.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. No service area, loan amount ranges or borrower-focus statements appear on the pages fetched. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Finance your new or pre-owned car with Natco’s help | source |
| Credit-builder loans | — | Enjoy the convenience of a credit card while improving your credit score with a REAL FREEDOM Secured Visa. | source |
| Small-dollar / emergency loans | — | Choose the FREEDOM FAST Loan when you need cash fast to handle an emergency. | source |
| Home mortgages | — | our mortgage loan experts offer conventional loans, FHA, USDA, and VA and new construction loans | source |
| Personal / consumer loans | — | Get financial support with a Natco Personal Loan | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Call or text a loan expert at (765) 966-1108 or apply online anytime.
source
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your credit-builder loans and small-dollar emergency loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - Do you offer down-payment help, and is a homebuyer education course required?
CDFI home loans often come with homebuyer education or down-payment help; their website does not say. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$4.3 million in 6 awards from the U.S. Treasury's CDFI Fund, 2012–2022 (CDFI Equitable Recovery Program; CDFI Program, Financial Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2022 | CDFI Equitable Recovery Program | $826,279 |
| 2022 | CDFI Program, Financial Assistance | $325,000 |
| 2021 | CDFI Program, Financial Assistance | $225,000 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2017 | CDFI Program, Financial Assistance | $776,500 |
| 2012 | CDFI Program, Financial Assistance | $313,606 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as NATCO (charter 65208). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $153.7 million (as of 30 Jun 2026) |
|---|---|
| Members | 17,733 (as of 30 Jun 2026) |
| Offices | 3 (as of 30 Jun 2026) |
Offices by state and county (3)
Indiana (3 offices)
- Fayette County (1): 240 E 30th St, Connersville 47331
- Wayne County (2): 582 S Round Barn Rd, Richmond 47374 (main office); 4 Glen Miller Pkwy, Richmond 47374
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by NATCO Credit Union (NCUA charter 65208, filed as “NATCO”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $120.8 million, 15,032 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 10.2% from $109.6 million on 30 Jun 2025 |
| Members | 17,733 (as of 30 Jun 2026); 17,511 (as of 30 Jun 2025) |
| Loans per member | $6,811 (total loans divided by members, 30 Jun 2026) |
| Total assets | $153.7 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $7.4 million | 6.1% |
| Used vehicle loans | $55.7 million | 46.1% |
| First-lien home mortgages (1-4 family) | $10.1 million | 8.4% |
| Other real estate loans (junior liens, other) | $14.3 million | 11.9% |
| Commercial (business) loans | $215,952 | 0.2% |
| Credit cards | $6.1 million | 5.0% |
| Other unsecured loans | $16.6 million | 13.7% |
| Leases and other secured loans | $10.3 million | 8.6% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $153.7 million | Larger than 100% of the 5 other certified credit unions in Indiana (median $15 million). |
| Loans as a share of assets | 79% | Median of the same 5 credit unions: 45%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $109.6 million → $120.8 million (+10%) | Median change of 5 other certified credit unions in Indiana: +9%. Rank by loans held among these 6: 1 → 1. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in Indiana | 5 | larger than 100% |
| Loans held then vs now | certified credit unions in Indiana reporting both dates | 5 | rank 1 → 1 of 6 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
Same loan type, nearby, lower stated rate
Certified CDFIs whose head office is within 50 miles of this one and whose own website states a starting rate at least 0.5 points lower for the same loan type. Consumer loans count only where both lenders state an APR. A starting rate is not an offer: ask each lender what you would pay, and check that it lends where you are (credit unions also require membership).
- Personal / consumer loans (this lender states from 9.95%): Day Air Credit Union from 8.00% (40 mi, read 2 Nov 2026)
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Stated rates: each lender's own website, read on the date shown.
Other certified CDFIs in Richmond and Indiana
- Afena Federal Credit UnionCredit union · Marion, INAuto / vehicle loans, Small-dollar / emergency loans, Home repair / improvement loans, Personal / consumer loansVerified
- Build Fund, LLCLoan fund · Indianapolis, INSmall-business loansVerified
- CANI’s Center for Community and Economic Development, Inc. dba Brightpoint Development FundLoan fund · Fort Wayne, INSmall-dollar / emergency loans, Microloans, Small-business loansVerified
- CDFI Friendly BloomingtonLoan fund · Bloomington, INVerified
- Edge Fund, LLCLoan fund · Indianapolis, INAffordable housing development loans, Home mortgagesVerified
- Flagship Enterprise Capital, Inc.Loan fund · Anderson, INMicroloans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
Work at NATCO Credit Union? Link to this page
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