Outlook is published quarterly by Natco Credit Union

outlook4th QUARTER 2017

$776,500 U.S. Treasury CDFI Grant Will Go a Long WayWe have been awarded our second coveted U.S. Treasury CDFI Grant! This grant will allow us to continue our work helping lower-income and credit-challenged members obtain affordable used autos and provide an alternative to predatory lending. Through our auto buying program, we aim to reduce the stress of car buying when members get preapproved and go to shop for their next vehicle. Our FREEDOM FAST loan, helps to beat the payday lender cycle and puts members on a better financial path. Learn more about both programs below or visit our web site.

Introducing our Auto Buying Program The car buying process shouldn’t be difficult. We’ve always been here for your financing but we are taking it a step further to simplify the process for you! Shop for your next car the easy way with our auto buying program! No high-pressured sales. Just great deals.

Just 5 Easy Steps to your next auto purchase! 1. Get preapproved. Avoid the complications that can quickly stall the car-buying process. With a preapproved loan agreement, you’ll have the confidence to move on to the next step. It’s easy. Start by completing our online form.

2. Browse amazing inventory. Through our relationship with Enterprise Car Sales, you have the opportunity to research more than 7,000 pre-owned, low-mileage vehicles - all certified and backed by warranties. Search online to find the vehicle that’s right for you.

3. Finalize the purchase. Found the perfect one? We will help you finalize the purchase of your vehicle through arrangements with Enterprise. No haggling, no hassles. After reviewing and signing a contract, it’s on to the next step.

4. Say hello to your car. Your vehicle will be waiting for you at Enterprise Car Sales in Indianapolis. If you don’t have transportation to get there, no problem. Natco and Enterprise will provide transportation so you can pick up your new car.

5. Start rolling. Plan your next road trip, whether it’s along the countryside or just a few miles away to get to work or school. You now have a reliable, great-looking vehicle to get you there.

It’s just that easy!

FREEDOM FAST Loans Continue to Help Members If you’ve ever found yourself in a pinch and needing money quick or just needing a little extra money to get you through until your next payday, you’re not alone! Since June, we have helped 745 members!

Our FREEDOM FAST loans, give you cash fast without being crushed by super high interest rates and fees charged by most payday lenders. We’ve made the application process quick and simple. Get your cash in as little as 20 minutes! Visit our web site for full details or apply now.

Save More with a 4 to 1 Match - Individual Development Account We began offering Individual Developement Accounts (IDAs) in 2016. The IDA program assists low-moderate income Hoosiers attain their goals through matched-savings incentives and financial education. Participants in the IDA program are eligible to receive up to $4,000 in state and federal match funds towards one of the eligible asset goals. Participants also receive one-on-one counseling and 8+ hours of financial education covering topics such as budgeting, savings, credit, banking, taxes, and other money management strategies.

So far, we have 10 IDA accounts. Call us at 983-4766 to learn more and see if you qualify.

You’re Part of Our Family The staff of Natco Credit Union sincerely appreciates you and your membership with us! We cotinually look for ways to improve our skills, the products we offer, and find ways we can help you reach your financial goals.

RIGHT TIME | RIGHT SUPPORT | REAL FREEDOM

Thank you for your membership. We look forward to serving you in 2018!

Upcoming Holiday Closings New Year’s Day - Monday, Januray 1, 2018

Martin Luther King Jr. Day - Monday, January 15, 2018 Presidents’ Day - Monday, February 19, 2018

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IMPORTANT NOTICEIRA Contributions for the 2017 Tax YearMembers can contribute to their Individual Retirement Accounts until Tuesday, April 17, 2018 and designate it as a 2017 contribution. If you don’t already have an IRA with us, why not open one today? Putting a few dollars away each week now can really add up for your retirement. Contributions can even be set up through payroll deduction or direct deposit.

Open a Save to Win Account Save to Win is a special certificate account that helps you build savings while you earn chances to win prizes. Every $25 deposit increases your chances to win - up to 10 per month. Prizes are awarded each month and each quarter.

Natco holds a monthly drawing for $100 and a quarterly drawing for $250. There are also state monthly and quarterly drawings in addition to national monthly and quarterly drawings. With each $25 increase in the account balance, participants automatically receive an entry into the credit union drawings, the state drawings and the national drawings. This means you really get one entry into six different drawings for every $25 deposit up to a total of $250 each month. The state and national drawings have more monthly and quarterly winners. For 2018, a total of $18,400 will be awarded to state winners and a total of $185,000 will be awarded to national winners.

All the money you deposit in to the Save to Win is yours, plus interest! It’s a win-win situation.

- Earn greater dividends than regular savings accounts - $25 minimum to open - 12 month term - Compounding interest - Penalty for early withdrawal - Must be 18 years of age or older - Must be a legal resident of a participating state - Complete Official Rules

Stop into one of our offices to open your Save to Win account!

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FREE Tax Preparation

Beginning Januaray 22nd, we will be scheduling appointments for FREE basic tax preparation through Natco Community Empowerment Center. We are excited to be able to offer this free service to members of our community. You do not have to be a Natco member to receive this free service. This will be our third year to provide this service. The number of community members we assist continues to grow. Our first year, we helped 45 people. Last year, we were able to assist 389 people by completing and submitting their taxes for free. This year, we would like to help even more people. Help us spread the word. Tell your family, friends and coworkers! Call us at 983-4766 to learn more and make an appointment.

Schedule Your Appointment Early

Earn Chances to Win Cash

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Together We Raised $5,100 for the River’s Edge Project Both Natco Credit Union and Whitewater Regional Federal Credit Union participated in the River’s Edge Project fundraiser in Connersville. We are excited that together, we were able to raise $5,100 to benefit the project!

To raise money, we sold handmade crafts such as bath bombs, hot cocoa mix, rice warmer bags, scarves, and baked goods! The money raised will help to complete the first phase of River’s Edge Park. The Fayette County Foundation and Connersville Parks Department have partnered to complete Phase 1 construction by fall 2020. The park will include an outdoor amphitheater, concession building, playground, open air shelter, and canoe launch.

River’s Edge will be a highlight of Fayette County and we are excited to help make it happen.

Reid BRAvo 2017 This year, we entered two bras in the annual Reid BRAvo event.

We are excited that one of our entries placed 5th by receiving 9,631 votes. The top 10 bras will be featured in a BRAvo spread.

Through the Reid Health Foundation, BRAvo helps over 500 ladies receive their mammogram annually.

Richmond Holiday Parade Each year, our staff enjoys participating in Richmond’s Holiday Parade. Our float and staff were ‘all decked out’ for the parade where we passed out candy and Natco lip balm.

We look forward to participating again next year in this annual event!

A Familiar Face Pam Pearson, Business Development Officer, is always active in our community.

Above she is pictured with this year’s Junior Achievement kindergarten class at Westview Elementary. Recently, Pam passed out candy at our ‘office’ in the Safety Village plus much more throughout the year.

OPERATING HIGHLIGHTSas of November 30, 2017

Assets $82,720,995Loans $55,311,476 Shares $72,657,528Members 14,590

DIVIDENDS

Declared for 4th Quarter 2017

Regular Shares $5-$100 balance...........0.05% APY$100.01 - $1,000............0.10% APYOver $1,000..................0.20% APYChristmas Club..............0.20% APYVacation Club................0.20% APYSpecial Shares..............0.20% APYMorey Kids Club............0.20% APYIRA Shares..................0.30% APY

BOARD OF DIRECTORSJack Buckland, ChairmanPam Pearson, Vice ChairmanLinda Sherrow SecretaryCynthia Duke, Treasurer Mike Helms, DirectorDon McCurdy, DirectorDavid Nutty, Director

SUPERVISORY COMMITTEEMarge Montgomery, ChairmanPat MorrisonGeneva RuskMary Ann Martin

SENIOR STAFFCynthia Duke, CEOBrenda Estes, Chief HR OfficerAnnette Sanders, VP/Collections

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2017 Annual Meeting NoticeSunday, February 25, 2018

Lingle Grand Hall Doors open at 1:45 p.m. Reid Health Meeting begins at 2:00 p.m.1100 Reid ParkwayRichmond, IN 47374

Please join us for light refreshments, fellowship and fun—you could be a lucky winner! We will give away door prizes including cash and other items.

Christmas Club balances are still available for transfer or withdrawal without a fee!With the holiday bills coming in, it’s good to know that Christmas Club funds are still available for withdrawal or transfer until January 31, 2018 without a fee.

Plan ahead—now is the perfect time to open a Christmas Club account for next year. Direct deposit or payroll deduction makes it easy!

Simply tell us how much to deposit into your Christmas Club account from each payroll. The funds will be set aside for next year’s holiday season. The funds will become available to you without a fee from October 1, 2018 through January 31, 2019!

Be on the look out! A new web site and loan application process is coming soon.We are currently designing a new web site! The new site will be responsive so it displays easily on your phone or other mobile devices.

The new loan application process will allow you to save your information and return later to complete your application. Once submitted, the new system will allow us to provide a decision quicker. Watch for more details and the new site and application early in the first quarter.