The Natco Credit Union is a personal credit card from Natco Credit Union. The annual fee is Annual Fee: None. The ongoing APR is 14.45% to 25.00% APR (variable, based on the Prime Rate; disclosure accurate as of 09/17/26) after a 3.90% APR on purchases; Balance Transfer – 3.90% APR introductory rate. Signup bonus: Receive 1,000 bonus points when you spend $1,000 in your first 3 billing cycles. Rewards: you earn 1 point for every $1 you spend. Typical credit limit: limits as low as $500.