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!

Incoming phone call - scam alert

Automated Phone Scam

Be aware of a recent scam!

Did you know scammers can initiate calls, so they appear to come from other numbers? That’s right. This is why we encourage you to use caution before taking action or providing additional information.

Today, we’ve learned that some members (including our CEO) have received phone calls appearing to be from our phone number saying:

“We have sent this automated call because of an attempt to make a purchase from your Natco CU bank account. If this was not you, press 1…”

A few red flags:

  • The message only gave one option (press 1)
  • It didn’t mention what type of purchase this was (debit card or credit card)
  • The ‘number’ continued to call 9 or 10 times
  • If you press 1, the only option was to block the transaction

If you receive calls or texts like this, here are a few important steps you can take.

  • Log into home/mobile banking to view your debit card transactions
  • Log into the Natco Card Manager app to view your credit card transactions
  • If you still have questions, give us a call or text

Financial Wellness Tips for 2025

As the New Year unfolds, it’s a time for fresh starts and personal growth. While many people focus on health, relationships, or career goals, improving your financial wellness is one of the most powerful ways to set yourself up for success. Financial wellness isn’t just about making more money—it’s about understanding, managing, and growing your finances in a way that aligns with your values and goals. Here’s how you can make 2025 your best year yet financially.

  • Create a Comprehensive Budget
    If you haven’t already, start by establishing a clear, realistic budget. A budget acts as a roadmap for your financial decisions and can help you identify where you’re spending too much or not saving enough.Start by tracking your income and all your expenses, including monthly bills, discretionary spending, and savings. A simple spreadsheet can help make this process easier. Once you’ve got a sense of your current financial picture, allocate your income to cover necessary expenses, debt repayment, savings, and fun without overspending.
  • Set Clear Financial Goals
    Having specific financial goals for the year is key to staying focused and motivated. Whether it’s paying off credit card debt, building an emergency fund, or saving for a big purchase, set measurable and attainable goals.For example:
    • Pay off $3,000 in credit card debt within six months.
    • Save at least 20% of your monthly income for retirement.
    • Build an emergency fund of three months’ worth of expenses.

    Having tangible goals will keep you accountable, and breaking them into smaller monthly or quarterly milestones will make them feel more achievable.

  • Build or Strengthen Your Emergency Fund
    One of the pillars of financial wellness is having a safety net for unexpected expenses. In 2025, if you don’t already have an emergency fund, start building one. Aim for at least three to six months of living expenses, and try to keep this fund in a high-yield savings account for easy access and better interest.If you already have an emergency fund, check if it’s enough to cover unexpected costs like medical bills, car repairs, or job loss. The peace of mind this fund provides is invaluable in today’s unpredictable world.
  •  Review and Reduce Debt
    If you have high-interest debt—such as credit card balances—make it a priority to pay it off as quickly as possible. High-interest debt can eat away at your finances, leaving you less room to save and invest.Consider using strategies like the debt snowball method (paying off the smallest debt first) or the debt avalanche method (focusing on the highest-interest debt). Additionally, look into consolidating or refinancing options that may lower your interest rates.
  • Start or Boost Your Retirement Savings
    Retirement may feel far away, but it’s never too early to start saving. One of the best ways to improve your financial wellness is by contributing to retirement accounts like a 401(k), IRA, or Roth IRA. Many employers offer matching contributions, so make sure you’re taking full advantage of that free money.If your employer doesn’t offer a 401(k) or you’re self-employed, consider opening an IRA or Solo 401(k). Set a goal to increase your contributions over time—if you can’t afford to max out your contributions now, try increasing your contributions by 1% each quarter.
  • Automate Your Savings
    One of the easiest ways to make saving money a habit is to automate it. Set up automatic transfers from your checking account to a savings account, emergency fund, or retirement account as soon as you receive your paycheck.You can automate contributions to investment accounts, as well. This removes the temptation to spend what you might have intended to save and ensures that saving is a priority, not an afterthought.
  • Monitor and Improve Your Credit Score
    Your credit score affects many aspects of your financial life, from loan approvals to interest rates. In 2025, commit to reviewing your credit report at least once a year. Schedule an appointment with one of our lending experts today to receive a free credit check.If your score isn’t where you want it to be, focus on strategies to improve it. This could include paying down debt, disputing any inaccuracies on your report, or setting up automatic payments for bills to avoid late fees.
  • Invest in Financial Education
    Financial wellness is about more than just balancing budgets or saving. It’s about making informed decisions. Take the time this year to educate yourself on personal finance topics.
    There are plenty of free resources, books, podcasts, and even courses that can help you better understand investing, taxes, insurance, and other financial topics.The more you understand, the better you’ll be able to make decisions that support your long-term financial health.
  • Find Ways to Increase Your Income
    While budgeting and saving are crucial, increasing your income is another powerful way to improve your financial wellness. Whether it’s through asking for a raise, taking on a side job, freelancing, or monetizing a hobby, finding ways to increase your earning potential can fast-track your financial goals.
  • Prioritize Health and Well-Being
    Financial wellness and physical health are deeply intertwined. Unexpected medical costs can quickly derail even the best-laid financial plans. Take care of your health this year by adopting healthy habits such as regular exercise, meal planning, and stress management. Consider checking your health insurance plan to make sure you’re covered for any potential medical emergencies, and explore options for preventive care.

Final Thoughts
Improving your financial wellness in the New Year doesn’t require dramatic changes all at once. Start small and build momentum over time. By making mindful financial choices, setting clear goals, and committing to your financial education, you’ll be on your way to a more secure, stress-free financial future. Remember, the key to success is consistency and patience.
Here’s to a financially fit 2025!