Construction at the Main Office

Construction at the Main Office: New Administrative Office Addition & Employee Parking at our Round Barn Road Office

We’re excited to announce that construction is now underway for a new administrative office addition, along with expanded employee parking. This project will help us better support our growing operations and continue providing high-quality service to our members.

As part of this project, we are also constructing a new entrance and drive designed to improve traffic flow. Once complete, this updated layout will help shorten wait times for members using the drive-up and ATM, making your visit faster and more convenient.

During the construction period, please be aware that traffic patterns around our main office will change. These changes will occur in stages as work progresses. For your safety and convenience, we kindly ask you follow the posted signs.

We appreciate your patience and cooperation as we make these improvements. Thank you for working with us through the transition—we look forward to sharing the finished results with you soon!

 

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Save By Consolidating Credit Card Debt

Here’s How One Member Saved Hundreds Each Month by Consolidating Credit Card Debt

At Natco, our mission is to help people live better lives — and sometimes that starts with consolidating overwhelmingly high-interest credit card debt. Recently, we worked with a member who was juggling several credit cards with balances that would have taken decades to pay off if they continued making only the minimum payments.

Before coming to us, they were paying $918 each month toward their credit card minimums. Even with that high monthly amount, the balances were barely shrinking because of interest.

After reviewing their situation, we were able to consolidate all their credit card balances into one loan with a new monthly payment of $667 for five years.
That means our member saves:

– $251 every month
– Countless years of payments
– AND thousands of dollars in interest

But the real impact becomes clear when you look at how long their credit cards would have taken to pay off on minimum payments alone:

  • Credit Card #1
    Balance: $11,394.62
    Minimum-payment timeline: 22 years
    Total amount paid: $28,992

  • Credit Card #2
    Balance: $3,711.14
    Minimum-payment timeline: 16 years
    Total amount paid: $11,502
  • Credit Card #3
    Balance: $4,931.17
    Minimum-payment timeline: 18 years
    Total amount paid: $14,474

  • Credit Card #4
    Balance: $10,637.74
    Minimum-payment timeline: 23 years
    Total amount paid: $32,136

This member would have spent nearly a lifetime making minimum payments — and paying far more in interest than they originally borrowed.

By consolidating her credit cards into a single loan:

  • They have one manageable monthly payment, instead of multiple due dates.
  • The monthly payment is lower than before — saving them $251 each month.
  • They will be debt-free in five years, instead of two decades or more.

This is exactly the kind of impact we strive to make for our members. When you’re overwhelmed by high-interest credit cards, you don’t have to navigate it alone. Sometimes, a single smart step can change everything.

If you’re feeling stuck, we’re here to help.

Let’s work together to find a solution that helps you save money, reduce stress, and move forward with confidence.

women wearing a santa hat and holding several gift bags

Installment Payment for Holiday Shopping

Spread the Cheer and Split the Payments: Smart Holiday Shopping with Installments

The holiday season is here, and with it comes the festive joy of giving. But it’s also a time when many of us face larger payments than usual for gifts, travel, or special outings. What if you could enjoy your holiday purchases now and manage payments on your own schedule? That’s exactly what our installment payment option is designed for.

What Are Installment Payments?

With your REAL FREEDOM credit card from Natco Credit Union, you have the option to convert eligible purchases into fixed monthly payments. In short, you’re taking a larger purchase and spreading the cost out over time. To qualify for installment payments:

  • The purchase must be over $100 and at a participating merchant.
  • You can choose a repayment term of 3, 6, 9, 12 or 18 months.
  • Your monthly payment is fixed—so you’ll know exactly how much you’ll owe each month.
  • The interest rate (APR) is transparent and shown in the mobile app or online.

Why Use Installment Payments for Holiday Shopping?

Here are a few reasons why this feature can make your holidays more enjoyable and less stressful:

  • Avoid a Big Lump Sum Payment: A holiday purchase—like a big gift, an appliance, or a celebratory outing—can hit your budget hard. Installment payments let you split that into manageable chunks.
  • Budgeting Made Easy: Since you’ll know your payment each month, it’s easier to plan and avoid surprise spikes in your credit card bill.
  • Stay in Control: Because the payment is fixed and transparent, you can see exactly how much you’re paying and when. No guess-work.
  • Flexibility to Use as Needed: Whether you’re picking up a standout gift, making a special purchase, or simply want to spread seasonal spending out, this gives you more options.

Things to Know Before You Choose

Installment payments are a great feature—but here are some important notes to ensure you use them wisely:

  • Your account must be in good standing to qualify.
  • You can have up to 10 active installment plans at a time.
  • Secured credit cards do not qualify for this option.
  • The transaction must be posted and you must set up the installment plan in the same billing cycle as the purchase.

Ready to get started?
Log in to the Natco Card Manager app and select Installment Payments to see which purchases qualify and learn how to turn them into fixed monthly payments. You can also view and manage your Installment Payments through Home Banking > Manage My Visa.

If you have any questions, we’re always here to help—making your season brighter and your finances smarter.

 

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Think Before You Click

You may have seen online quizzes on Facebook or other social media sites with prompts like “Which celebrity is your soulmate?” or “Find out your dream career!” They look harmless, but what you might not realize is that many of these seemingly innocent quizzes and games collect personal information and could be used for identity theft or fraud.

Here’s what you need to know:

  1. What’s really being collected

Even if a quiz only asks for your name or birthday, it can often access more than you think:

  • Your email address
  • Your friends list
  • Your location
  • Other personal details from your social media profile

Some of this information can be sold to third parties or used to target you with scams and phishing attempts.

  1. Why it matters for your finances

Cybercriminals can use this type of personal data to:

  • Guess passwords or security questions
  • Open accounts in your name
  • Target you with fake offers or investment scams

Even small details like your birthday or hometown can help someone impersonate you.

  1. How to stay safe
  • Think before you click. If a quiz asks for any kind of personal info, ask yourself if it’s really worth it.
  • Check privacy settings. Limit apps’ access to your social media profiles.
  • Don’t share sensitive info. Avoid giving your Social Security number, bank account info, or passwords online.
  • Use strong, unique passwords and enable multi-factor authentication on important accounts.
  1. When in doubt, skip it

Fun quizzes aren’t worth risking your identity. If it seems suspicious, or too good to be true, trust your instincts and skip it.

At Natco, we care about keeping your personal and financial information safe. Staying alert to online scams is one of the best ways to protect yourself and your family.

HELOC 101 NMLS#: 794524

Unlocking the Power of Your Home: What Is a HELOC and How Can You Use It?

As a homeowner, your equity holds more than just sentimental value—it’s a powerful tool in your financial toolkit. One powerful way to tap into it is through a Home Equity Line of Credit (HELOC). But what exactly is a HELOC, and how can it work for you? Let’s break it down.

What Is a HELOC?

A HELOC is a type of revolving, second mortgage that lets you borrow against your home’s equity—essentially, the difference between what your home is worth and what you owe on the mortgage. Think of it like a credit card with your home as collateral.

Unlike a lump-sum home equity loan, which gives you a fixed amount at one time, a HELOC offers flexibility. You borrow, repay, and borrow again as needed. You pay interest only on what you’ve drawn, much like a credit card.

Why Use a HELOC?

Here are some smart ways homeowners use HELOCs:

  • Home Renovations: For ongoing upgrades that add value to your property.
  • Debt Consolidation: Move high-interest burdens such as credit cards onto a lower-rate HELOC.
  • Keep First Mortgage: If you’re locked into a favorable mortgage rate, a HELOC enables borrowing without altering that rate.
  • Tax Advantage: Consult a tax advisor to determine if interest may be tax deductible.

Learn more at https://www.natcocu.org/home-equity-loans/.

Give us a call or send us a text at 765-962-2561 to find out if a home equity loan is right for you.

Ready to get started?

Click to apply.

 

Equal housing opportunity

Finance Your New or Used Car with Natco

Are you ready for a new set of wheels? Natco makes financing a breeze—whether you’re buying new, used, or refinancing what you already own.

  1. Competitive Rates + Flexible Terms

With Natco, you’re getting:

  • Industry‑leading rates tailored to your credit profile
  • Flexible repayment terms that keep monthly payments reasonable
  • A loan that won’t stretch your budget

Our goal? You get behind the wheel without compromising on value or peace of mind.

  1. Pre-Approval Means Confidence

Ditch the dealership guesswork and get pre-approved before car shopping.

  • Know your budget upfront
  • Negotiate from a position of strength
  • Avoid surprises at signing
  1. Clear Credit Support

Worried about credit issues? We’ve got your back:

  • Friendly guidance, even if your credit isn’t top tier
  • Options to help you improve your position
  • Financing solutions built around where you are now
  1. Free CARFAX for Used Cars

We provide a complimentary CARFAX report for any vehicle you’re considering, so you can:

  • Check for accident history, ownership details, and mileage
  • Spot hidden issues and save on future maintenance
  • Avoid becoming a scam victim
  1. Streamlined Purchase Process

Natco’s auto loan process is simple and supportive:

  1. Apply online or book an appointment
  2. Review your personalized loan offer
  3. Access your free CARFAX report
  4. Finalize your purchase
Lock Monitor & protect your cards all from yur phone

Stay in Control with the Natco Card Manager App

At Natco, we’re always looking for ways to help you stay in control of your finances — and your security. That’s why we want to make sure you’re using the Natco Card Manager app — a free, easy-to-use tool for all debit and credit cardholders.

This free app, available for both Apple and Android devices, puts you in the driver’s seat when it comes to managing your card:

Instantly lock or unlock your card — perfect if you’ve misplaced it or want to pause it between purchases.
Set custom alerts — get notified when purchases exceed a set amount, or when a transaction gets declined.
Travel notices made easy — let us know where you’re headed so your card works wherever you go.

But the best part? Peace of mind.
With scams and fraud on the rise, this app helps you stay one step ahead. If you ever get a suspicious message claiming to be from our fraud team, just open the app to see exactly what we see. You’ll be able to confirm any charge in seconds.

Download the Natco Card Manager app today and take full control of your cards and your security.

Available in the App Store

Google Play Store

 

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Financial Well-Being

Thank You for Choosing Natco – Where Your Financial Well-Being Comes First

Choosing the right financial institution is a big decision, and we’re honored you’ve placed your trust in Natco. Your confidence means everything to us, and we’re committed to delivering a credit union experience that goes above and beyond. Here are just a few reasons why Natco is the right fit for your financial journey:

  1. Trust and Security: Trust is the foundation of our relationship, and we prioritize the security of your hard-earned money.
  1. Convenience: Life moves fast, and we’re here to keep up. Our extensive network of local and shared branch ATMs, seamless online and mobile banking services, and user-friendly account management make banking with us a breeze.
  2. Exceptional Member Service: Our friendly member services team is always ready to assist you, ensuring that you have an exceptional banking experience.
  3. Competitive Interest Rates: We offer competitive rates on savings accounts, share certificates, and loans, so your money can grow while you enjoy the benefits of banking with us.
  4. Low Fees: We believe in minimizing fees so that you can keep more of your hard-earned money.
  5. Products Designed To Fit Your Financial Needs: We offer a range of products designed to meet your unique financial needs, including KASASA Cash and Cash-Back checking, special savings accounts, and comprehensive identity theft protection.  These services are here to keep you safe, healthy, and financially secure.
  6. Community Involvement: We believe in giving back to our community through charitable initiatives and support for local businesses, making a positive impact where it matters most.

Whether you’re looking for a trusted partner, the convenience of modern banking, competitive rates, low fees, or a broad range of services, we’re here for you.

You can count on us to stand by your side—today, tomorrow, and for every step of your financial future.

Thank you for making us your financial partner.

excited young lady holding a phone with her fist in the air

Good Credit Habits to Protect Your Financial Future

Regularly reviewing your credit report and credit score is a crucial step in protecting and improving your financial health. By following these simple tips, you can develop good credit habits that will keep you on track with your goals and help safeguard your identity.

Good Credit Habit #1: Review Your Credit Report and Credit Score

Your credit report details your credit history, including any loans or credit cards you have and how you’ve managed them. Credit reporting agencies use this information to calculate your credit score, a three-digit number that reflects your creditworthiness. You can obtain a copy of your credit reports from the three main agencies at www.annualcreditreport.com.
Our new home banking website and Natco CU – Mobile Banking app provides FREE credit score monitoring. You can refresh your score daily, see what’s impacting it, and get tips for improvement.

Good Credit Habit #2: Develop a Plan to Maintain and Improve Your Credit Score

Your credit score impacts many areas of your financial life, from loan approvals to securing housing or even a job. To boost your credit score over time, focus on making on-time payments, keeping your balances low, and avoiding opening too many new accounts at once.

A strong credit score can save you money with lower interest rates on loans or credit cards. Whether you’re looking to improve your credit for future purchases or work toward financial freedom, setting realistic goals and tracking your progress is key. Here are a few goal ideas:

  • Increase your credit score by 50 points within the next six months
  • Pay off your credit card debt within two years
  • Use automated payment methods to build a steady history of payments

Our credit score monitoring system allows you to set personalized goals and track your progress toward better credit.

Good Credit Habit #3: Activate Credit Monitoring and Alerts

Credit monitoring is a valuable tool to track your credit report and score in real time. It offers several benefits:

  • Early Fraud Detection: Receive alerts if there are suspicious activities on your credit report, such as new accounts opened in your name or unauthorized changes to your personal information.
  • Protection from Identity Theft: Stay informed of any changes to your credit that may indicate fraudulent activity.
  • Better Credit Management: Monitor your credit regularly to understand your credit health and make improvements, such as paying bills on time and keeping balances low.
  • Peace of Mind: Know that you’ll be notified of any changes or suspicious activities, allowing you to act quickly.

By combining credit monitoring with regular reviews of your credit report and score, you gain the control needed to protect your finances and identity. Taking control of your credit today can help you achieve your financial goals and protect your future. Start building good credit habits now! Enroll in credit score monitoring on our home banking website or in your Natco CU – Mobile Banking app today!

young couple looking at blueprint

Credit Score Simulator: Your Blueprint to Success

Simulate Your Way To Smarter Credit Decisions

Making informed financial decisions is key to building a strong credit profile. With the Credit Score Simulator in your Natco CU – Mobile Banking app, you can test different financial scenarios and see how they might affect your credit score – before making a move.

Thinking about paying off a credit card, taking out a loan, or increasing your credit limit? Use the simulator to explore “what-if” situations and make the best decision for your financial future.

Why Use the Credit Score Simulator?
– Understand how your financial choices impact your credit score
– Plan ahead for major financial decisions with confidence
– Take control of your credit and work toward your financial goals

Whether you’re improving your score or planning for a big purchase, the Credit Score Simulator gives you the insights you need to make smarter credit decisions.

Open your Natco CU – Mobile Banking app or home banking now to start simulating!