The Quarterly Newsletter for Natco Credit Union Members
CU Select Partner of the Year
Our award-winning mortgage team is here to help you make the most of your home’s equity. Book your appointment today.
Website Refresh Live
Our refreshed website offers a more modern look and a simpler way to explore and find information.
FREEDOM First Teen Checking
Helping teens build smart money habits starts with real-life experience, and our Freedom First Teen Checking account is designed to do just that. Available for members ages 12 through 17, this account gives teens a safe, supportive way to learn everyday banking, with a parent or guardian joint on the account to guide the journey.
Each account includes a debit card with built-in limits—up to $500 in purchases and $100 in ATM withdrawals—so teens can practice managing money while keeping spending in check.
From tracking purchases to making thoughtful financial decisions, teens gain valuable skills that set the foundation for long-term success. And with the Natco Card Manager app, both teens and parents can monitor transactions, set alerts, and even lock or unlock the card instantly—turning everyday moments into opportunities to learn.
A Letter From the President & CEO
Greetings:
Please allow me to introduce myself to you. My name is Tim Frame. I have the distinct honor of joining Natco Credit Union as the next President & CEO. My career in financial services—including more than 20 years of executive leadership—has been in Richmond, serving Wayne, Fayette, and surrounding counties.
For more than 80 years, Natco Credit Union has been a trusted partner in our communities, providing financial services and great value to each member. Whether it’s loans, savings, free checking or a free financial wellness review, Natco Credit Union is focused on providing you with the tools to reach your goals and dreams.
My highest priority each day is to support our great team of professionals as we all work together for you. Thank you for choosing Natco Credit Union for your financial needs. If you haven’t sat down with us in a while, we invite you to reach out to set up a free financial wellness review.
Dedicated to our mission of helping people live better lives.
Best wishes,
Tim Frame, President & CEO
Holiday Closings
- Memorial Day - Monday, May 25th
- Juneteenth - Friday, June 19th
Account information can be accessed through online and mobile banking. Withdrawals and deposits can be made using the ATM at any of our branches and your Natco debit card.
Operating Highlights
As of March 31, 2026
Assets: $155,281,021
Loans: $117,227,408
Shares: $130,556,219
Members: 17,610
Dividends
Declared for the 1st Quarter 2026
Regular Shares:
$5 - $100: 0.05% APY
$100.01 - $1,000: 0.10% APY
Over $1,000: 0.20% APY
Christmas Club: 0.20% APY
Vacation Club: 0.20% APY
Special Shares: 0.20% APY
Morey Kids Club: 0.20% APY
IRA Shares: 0.30% APY
Board of Directors
- Mike Helms, Chairman
- Jack Buckland, Vice Chairman
- Carl Rhinehart III, Secretary
- Cynthia Duke, Treasurer
- David Nutty, Director
- Pam Pearson, Director
- Linda Sherrow, Director
Supervisory Committee
- Dan Wandersee, Chairman
- Dan Jennings
- Donna Kitchel
- Paul Weiss
Senior Staff
- Cynthia Duke, CEO
- Tim Frame, President & CEO
- Sherry Dillon, Director of Innovations & Administration
- Brandi Hoffenbacher, Director of Branch Operations
- Karen Houser, Director of Marketing