The Natco Credit Union is a personal credit card from Natco Credit Union. The annual fee is Annual Fee: None. The ongoing APR is 12.45% to 23.45% 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. Typical credit limit: limits as low as $500.