Natco Credit Union Richmond IN | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Natco, your trusted financial partner since 1945! Located at 4 Glen Miller Pkwy, Richmond, IN 47374, we are dedicated to serving our community with personalized banking solutions. With a proud membership of over 17,390 individuals, Natco has established itself as a cornerstone in the Richmond area, offering a wide range of services that cater to both personal and business needs. At Natco, we understand the importance of financial stability and growth. That's why we've amassed total assets of $150,402,163 and total deposits reaching $5,148,477. Our commitment to our members is reflected in our robust offerings: from auto loans and mortgages to credit cards and business loans. In fact, we currently have 13,897 loans and leases supporting our members' dreams and ambitions. While you can visit us at our branch for all your banking needs, please note that official correspondence should be directed to our mailing address: P O BOX 817, RICHMOND, IN 47375-0817. Under the leadership of our CEO Cynthia Duke and Board President David Nutty, we prioritize transparency and member satisfaction. Our dedicated team of 72 employees is here to ensure you receive the best service possible. Whether you're looking for online banking options or drive-thru services, we've got you covered. Ready to take control of your financial future? Visit us today or give us a call at 765-966-1108. Together, let's make your financial goals a reality! For more information about our services or to become a member, check out our website at natcocu.org.

Branch History & Mission

At Natco, we take pride in our rich history and unwavering commitment to the community. Established in 1945, our branch has grown alongside the city of Richmond, IN, becoming a trusted financial partner for nearly eight decades. Located at 4 Glen Miller Pkwy, we are easily accessible and part of the vibrant landscape that defines our city. Since our inception, Natco has focused on serving our members with integrity and dedication. Over the years, we've expanded our offerings to meet the evolving needs of our community. Today, we proudly serve over 17,390 members and manage total assets exceeding $150 million. Our mission is simple yet profound: to provide exceptional financial services while fostering a sense of belonging and support within our community. Our operating hours reflect our commitment to convenience Monday through Tuesday and Thursday from 9:00 a.m. to 5:00 p.m., Wednesday from 10:00 a.m. to 5:00 p.m., and Friday from 9:00 a.m. to 6:00 p.m. We also offer an ATM and drive-thru services for added accessibility. In addition to traditional banking services such as checking accounts, auto loans, and mortgages, we embrace technology to enhance member experiences. With features like online banking, mobile payments, and e-statements, we ensure that managing finances is straightforward and efficient. While members can visit us at our branch location for their banking needs, official correspondence should be sent to P.O. Box 817, Richmond, IN 47375-0817. Our commitment extends beyond just banking; we actively engage in community outreach efforts that uplift those around us. By partnering with local organizations and participating in charitable events, we strive to make a positive impact in Richmond. Join us at Natco as we continue this journey together! Experience firsthand how we can help you achieve your financial goals while being part of a supportive community. For more information or to become a member today, visit Natco's website or give us a call at (765) 966-1108. Together, let's build a brighter future!

Branch Location & Accessibility

Conveniently Located

Nestled near popular local landmarks, our branch is easily accessible for all residents in Wayne County. You'll find ample parking right outside our doors, making your visit hassle-free. Plus, we've ensured that our facility meets ADA standards, so everyone can enjoy seamless access to our services.

Get in Touch!

Have questions or need assistance? Feel free to call us at 765-966-1108. We're always happy to chat and help you find the right solutions for your financial goals. Whether you're looking to become a member or just want more information about our services, don't hesitate to reach out or stop by Natco today!

Operating Hours That Fit Your Schedule

We understand that life gets busy! That's why our lobby hours are designed to accommodate you: we're open Monday, Tuesday, and Thursday from 9:00 a.m. to 5:00 p.m., Wednesday from 10:00 a.m. to 5:00 p.m., and Friday from 9:00 a.m. to 6:00 p.m. With these extended hours, you can find time to handle your banking needs with ease.

Services Tailored for You

At Natco, we offer a variety of banking services tailored to meet your needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we're committed to supporting your financial journey. Our drive-thru service allows for quick deposits and withdrawals without leaving the comfort of your vehicle. If you need cash on the go, we also have an ATM available for your convenience.

Member Eligibility

Becoming a member of Natco is like stepping into a community that truly cares about your financial well-being. At our branch located at 4 Glen Miller Pkwy Richmond In 47374, we welcome individuals who live, work, or worship in the area, as well as their family members. This means if you have a connection to our vibrant community, you're likely eligible to join us! The advantages of membership are significant, including access to personalized financial services and competitive rates that help you achieve your goals. To check all the eligibility details and ensure you meet the criteria, feel free to visit our website at https://www.natcocu.org/become-a-member/. If you're ready to open an account and start your journey with us, it's simple! Just follow this link: https://app.loanspq.com/apply.aspx?lenderref=natcocu3119&list=vlpl. For any questions or assistance, don't hesitate to reach out at (765) 966-1108. We can't wait to welcome you into the Natco family!

Business Banking & Commercial Services

Merchant Services That Matter

In today's fast-paced world, efficient payment solutions are essential for every business. At Natco, our merchant services provide easy and secure payment processing options, allowing you to focus on what you do best running your business. From credit card processing to online payment solutions, we've got you covered. If you're ready to take your business to the next level, visit us at 4 Glen Miller Pkwy Richmond In 47374 in Richmond, IN, or give us a call at (765) 966-1108. Let's work together to turn your vision into reality!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $5 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $189,053, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking

For business owners, business banking services, including merchant services and business loans, are essential tools for growth. We understand that running a business comes with its own set of challenges; that's why we're here to support you with flexible solutions tailored to your unique requirements.

Connect With Us

Ready to explore all that we offer? Reach out today by calling us at (765) 966-1108, or visit us at our branch located at 4 Glen Miller Pkwy Richmond In 47374 in beautiful Richmond, IN. At Natco, we're not just a credit union; we're a community dedicated to helping each member thrive financially. Let's take this journey together!

Convenient Access

At Natco, convenience is key. Our ATM and cash withdrawal services allow you easy access to your funds whenever you need them. With our basic drive-thru banking options for deposits and simple transactions, there's no need to leave your car during busy days. We also recognize the importance of technology in today's world. Our features like mobile payments and person-to-person transfers make it easier than ever to send money or pay friends directly from your phone.

Loans & Credit Options

Sometimes unexpected expenses arise, and that's where our personal loans and debt consolidation options come into play. These products are designed to help you manage financial bumps in the road with ease. Additionally, we offer credit cards with rewards, allowing you to earn while you spend on everyday purchases.

Personal Banking

For those starting their savings journey or managing day-to-day expenses, our checking and savings accounts offer the flexibility you need. Imagine effortlessly keeping track of your funds through our user-friendly online and mobile banking platforms. You can check balances, transfer money, and even pay bills from the comfort of your home or on the go. When life calls for a new vehicle, our auto loans and vehicle financing options make it easy to drive away in your dream car. We understand that financing should fit your budget, which is why we offer competitive rates tailored to meet your needs. If you're considering buying a home or refinancing an existing mortgage, our mortgage loans and refinancing services provide a straightforward path to homeownership. Our knowledgeable team is ready to guide you through the process, ensuring you understand every step along the way.

Digital & Online Banking

Convenient Features for Everyday Use

Our online banking includes features like e-statements which allow you to receive and review your account statements electronically. This not only saves paper but also gives you quick access to your financial history. Plus, if you ever need to sign documents digitally, our electronic signature authorization makes it simple and efficient.

Mobile Banking Made Easy

For those on the go, our mobile application provides all the tools you need right in your pocket. From making person-to-person transfers to using mobile payments, managing your money has never been more straightforward. Just download our app, and you'll be able to send money to friends or pay for groceries with just a few taps.

Your Security is Our Priority

We prioritize your security with top-notch measures in place. Rest assured that every transaction is protected, allowing you to bank with confidence. Our user-friendly interface means that even if you're not tech-savvy, navigating through your accounts will be a breeze. In summary, at Natco, our digital and online banking services are here to provide convenience, security, and ease of use all tailored for you. Experience the freedom of managing your finances on your terms today!

Financial Strength

At Natco, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We pride ourselves on maintaining strong financial health, which allows us to provide you with the best possible services. With a net worth of $23,952,247, we are well-positioned to support our members' needs. This robust figure reflects our commitment to financial strength, enabling us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,583 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $5,877,818 in share certificates and $4,112,342 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members; with non-member deposits at $8,716,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $22,835,545 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals across various sectors, with $4,290 in used auto loans and $109,129,580 in total loans and leases available for you. Additionally, our operational efficiency is reflected in our $0, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 68 full-time employees and 4 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Our net shares (funds available for lending and investments) amount to $1,290, while the total number of share accounts has reached 40,801, showcasing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Natco is your trusted partner. Visit us at 4 Glen Miller Pkwy Richmond In 47374 or call (765) 966-1108 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $56,909,056 in used vehicle loans and $7,506,309 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable pre-owned vehicle, our loan options can be tailored to fit your budget. Plus, if you're considering refinancing an existing auto loan, we can help explore eligibility options to potentially lower your monthly payments.

Business Loans

For business owners, our outstanding commercial loans totaling $189,053 provide the capital needed to grow and expand. We understand the importance of having reliable financing for operational needs or investments in business growth. Our dedicated team is here to discuss how we can support your business objectives through tailored lending solutions. At Natco, we pride ourselves on not just offering loans but also creating lasting relationships with our members by providing personalized service and expert guidance throughout the borrowing process. Our goal is to make financing accessible and beneficial for everyone in our community. For more information on any of these loan products or to discuss how we can meet your specific financial needs, please feel free to contact us at (765) 966-1108 or visit us at our branch located at 4 Glen Miller Pkwy Richmond In 47374 in Richmond, IN. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Credit Card Loans

Managing day-to-day expenses can be challenging, which is why we also offer flexible terms on unsecured credit card loans. With a total of $5,676,253 in loans helping members manage their finances effectively, our credit cards come with rewards and no hidden fees. This allows you to take control of your spending while enjoying benefits that suit your lifestyle.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $8,286,715, make buying or refinancing simple. We provide flexible terms and competitive rates to help you secure the best possible financing for your dream home. If you're looking to refinance an existing mortgage, our team is ready to assist you with straightforward eligibility assessments.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With so many options available, it's crucial to have a reliable source for accurate information. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This commitment is based on the latest results (Source: https://www.ncua.gov), which guarantees fair and transparent offers for users looking for loans. One of the main benefits of using LendMesh is its Verified Data. All loan offers are sourced from legitimate financial institutions, ensuring users receive clear and trustworthy information. Additionally, LendMesh features No Sponsored Listings, meaning lenders are not prioritized based on paid promotions. The goal is to provide unbiased results that help users make informed decisions without any hidden agendas. With Real-Time Rate Comparisons, LendMesh provides up-to-date loan rates from multiple institutions. This feature allows users to quickly assess their options and choose the best fit for their financial needs. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" To start your journey towards finding the best loan rates, compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

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