Certificates and IRAs

At Natco Credit Union, we believe your savings should work just as hard as you do. Whether you’re planning for retirement or looking for a secure way to grow your money, our Certificates and IRAs offer dependable options tailored to your goals. With competitive rates, flexible terms, and the personalized service you expect from your hometown credit union, we’re here to help you build a stronger financial future with confidence.

Certificates

We think it’s safe to say that if everyone could maximize their earnings, they would. As a member of Natco Credit Union, you have the privilege of doing just that with a share certificate. Earn competitive monthly dividends on short-term investments. Balances grow even quicker because dividends are deposited back into your share certificate.

Terms available from three months to 18 months. Share certificates are automatically renewable.

  • Earn greater dividends than regular savings account
  • $500 minimum to open
  • Terms available from 3 months to 18 months
  • Longer terms earn higher yields
  • Automatic renewable available
  • Penalty for early withdrawal may apply
  • NCUA insured

Save to Win Certificate

Our Save to Win certificate is a special certificate account that helps you build savings while you earn chances to win prizes. Every $25 deposit increases your chances to win – up to 10 per month. Prizes are awarded each month and each quarter.

Certificate Calculator

Current Certificate Rates

IRAs (Individual Retirement Accounts)

The earlier you start saving for retirement, the better the chance it will actually happen for you. Improve your retirement odds with a Natco IRA. It’s easy to open and you get to pick the type of IRA that is best for you.

Choose between an IRA savings or an IRA certificate. Open an IRA savings for as little as $25 and have the option of making deposits at any time. An IRA certificate can be opened with a minimum of $1,000 and your rate is locked in for 18 months.

Depending on your retirement goals and age, you may want to choose a different path to reach your goals. We offer both traditional IRAs and a Roth IRAs for both savings and certificates.

Traditional IRA

  • Contributions may be tax deductible*
  • You can elect to have taxes withheld or not
  • No age limit for contributions
  • Distributions begin at age 72
  • NCUA insured

Roth IRA

  • Contributions are not tax deductible
  • Withdrawals may be tax free
  • No age limit on contributions
  • No age requirement for distributions
  • NCUA insured

*Consult with your tax advisor.

Certificate & IRA FAQs