image of person holding phone and credit card with laptop in front of them

Giving You Another Way to Make Your Natco Loan Payments Without a Fee

In an effort to help you make your payments electronically, we are giving you another option to make your Natco loan payments without a fee!

Use your credit card, debit card or ACH to pull funds from your account at another institution to make your payment. It’s quick and easy to get started.

  • Log into home banking from a desktop and select the ‘Make Loan Payment’ options from the left.
  • Log into one of our mobile banking apps (Android or Apple), click on the ‘More’ option then click ‘Make a Loan Payment.’
  • Click the ‘Make a Loan Payment’ link located at the top of our web site.

Until further notice, Natco is waiving the fee associated with using a credit card or debit card to make loan payments. Payments made via ACH are always free.

image of person helping another person up

Lifeline Loans Available March 22, 2020 through May 31, 2020

If your income or expenses have been affected by changes from the Coronavirus, a Lifeline loan can provide the short-term financial assistance you need.

  • Loan amounts between $500 and $2,000
  • 7.95% fixed APR
  • Terms up to 24 months
  • First payment due date can be extended to 90 days from loan closing

Additional qualifiers

  • Established member as of 03/16/2020
  • Member of the household is currently employed or most recently employed by a company affected by COVID-19
  • Current loans with Natco are up to date
  • If Natco holds collateral on a current loan, we must have the title on file and proof of adequate insurance coverage
  • Loan cannot be used to refinance or consolidate existing Natco loans
  • Proof of income required from February 2020
  • Optional automatic payment through payroll deduction or direct deposit
  • Credit Life and Credit Disability insurance available
  • Lifeline loans are not eligible for skip-a-pay promotions
  • Limited to one Lifeline loan per household at a time
  • Certain other conditions may apply for this loan type

Standing by our mission of ‘HELPING PEOPLE LIVE BETTER LIVES.

Important information icon

Announcing the New Section of Our Web Site


We realize you are getting inundated from every direction with information regarding COVID-19. The landscape of how companies are being affected and how they conduct business is quickly and frequently changing.

Keeping our members informed and protected is our top priority. Therefore, to help you navigate the changes here at Natco and to stay informed, we’ve created a new section of our web site. Here you will find all of our communications related to COVID-19 – useful links to products, forms and applications, and other important information.

Please visit often to stay informed on credit union related information.

image of web page

Important information icon

Beginning Today, Lobbies Close and Full Service Available at the Drive Up

We Care about You and Your Family

Since our founding 75 years ago, Natco Credit Union has been about doing the right thing for our members. After a great deal of careful considerations and concerns for your safety, we are adjusting our services to align with CDC federal and state health guidelines. Please read about these important changes outlined below as we help you conduct your banking in a safe manner, so together we can best navigate through the current health crisis.

Beginning Wednesday, March 18 through March 31st, our branch lobbies will be closed. We are keeping our drive-up windows open to take care of your banking needs.

We are making exceptions to our normal policies regarding the transactions we do through our drive-up. During the time that our lobbies are closed, we plan to offer full service through the drive-up. If there is something that we deem necessary for you to come in, we will ask you to come inside.

If you need to come into a branch for a loan closing, to open an account or for anything else you can’t do through a drive up or online, please complete the form on this page or call 765.962.2561. We’ll set up an appointment at the branch of your choice.

Find comfort in knowing your money is safe
Let us reassure you, your money is safe at Natco Credit Union. Your money on deposit is federally insured up to $250,000 through the National Credit Union Administration (NCUA).

Our online and mobile banking platforms are always available to serve you!
If you haven’t already done so, now’s the time to sign up for online and mobile banking. You can even remotely deposit checks from our mobile app!

Simply visit from your computer, tablet or mobile phone and click on the ‘Member Login’ button. If you haven’t previously registered, click on the ‘Enroll Now’ button just below ‘New To Online Banking?’ to get started.  If you have any issues enrolling or accessing your accounts online, call us at 765.962.2561.

In need of loan or payment assistance?
Lastly, we want you know that we’re here to support you if financial uncertainty is affecting you. Please call us at 765.962.2561.

We appreciate your membership and wish you and your family health and safety.

Cynthia L. Duke, CEO

Important information icon

We Suggest Requesting Home Banking Access Now

Are you set up with home banking access?

Enrolling in home banking is quick and simple! Request access now.
PLUS, through your home banking login, you also have direct access to

  • Pay bills through our bill pay.
  • View balances and transaction details for your Natco REAL FREEDOM Visa.
  • Make payments on your Natco REAL FREEDOM Visa.
  • You can even deposit checks through mobile deposit when you access home banking through one of our mobile apps (available for Android and Apple users). Visit the Play or App Store to download now.

To request access to mobile deposit,

  • Log into home banking through either of the mobile apps using your smart phone or other mobile device.
  • Click the piggy bank icon titled ‘Mobile Deposit.’
  • Review and accept the disclosure and agreement.

Mobile deposit requests are reviewed each business day. You will receive an email once your access to mobile deposit has been completed. This may take two business days.

Learn more about mobile deposit.

Important information icon


As the Coronavirus situation continues to change rapidly, our top priority remains the health, safety and well-being of our members and staff.

We continue to monitor Coronavirus (COVID-19) developments closely and the health and well-being of our members and employees is of utmost importance to us. At this time, all Natco offices remain open with appropriate measures taken to protect the health of the communities we serve.

In response to the outbreak, Natco Credit Union is temporarily encouraging members to use alternative banking channels that are not in-person whenever possible.

These channels include:

  • ATMs ­– Use the ATM at any of our Natco offices to make deposits and withdrawals 24-hours a day.
  • Home Banking and Mobile Banking Apps – 24-hour access to accounts allows you to transfer funds, deposit checks and pay bills.
  • Mobile Deposit – Deposit checks using your smart phone or mobile device.
  • Bill Pay – Pay your bills using your computer or smart phone.
  • Text Banking – Check account balances, transactions or transfer money.
  • PAL – Check account balances and transactions, transfer money or request a check be mailed to you.
  • Apply for a Loan – Apply online or by phone. When approved, loans can be closed electronically.

Members in need of personal assistance can also call us at 962-2561.

Monday/Tuesday/Thursday – 9:00 a.m. to 5:00 p.m.
Wednesday – 10:00 a.m. to 5:00 p.m.
Friday – 9:00 a.m. to 6:00 p.m.

Natco is currently following the guidance of the Centers for Disease Control (CDC) in response to COVID-19. We encourage our members and staff to take the following preventative actions to help prevent the spread of this virus:

  • Avoid close contact with people who are sick.
  • Avoid touching your eyes, nose and mouth.
  • Stay home when you are sick.
  • Cover your cough or sneeze with a tissue, then throw the tissue in the trash.
  • Clean and disinfect frequently touched objects and surfaces using a regular household cleaning spray or wipe.
  • Wash your hands often with soap and water for at least 20 seconds.

We will continue to monitor the outbreak and will take appropriate actions that are in the best interests of our members and team members. We urge you to visit for accurate up-to-date information.