Featured Savings Rates
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Incenta Federal Credit Union

Popular Accounts at this Credit Union

0.65%5-year CD5 Year Share Certificate
0.25%1-year CD1 Year Share Certificate
0.05%SavingsRegular Shares

Overview / Commentary
175 W Wenger Rd
Englewood, OH 45322

Incenta Federal Credit Union is headquartered in Englewood and is the 70th largest credit union in the state of Ohio. It is also the 1,714th largest credit union in the nation. It was established in 1935 and as of June of 2016, it had grown to 21 employees and 8,346 members at 6 locations. Incenta Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship, attend school and businesses in Montgomery, Miami, Clark, Greene, Adams and Brown counties in Ohio and the city of Maysville, KY.
See current membership details


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Incenta Federal Credit Union has a relatively low asset base.

Health Grade Components

NCUA #293
Year Chartered1935
Primary Regulator
Profit Margin
Return on Assets - YTD0.14%
Return on Equity - YTD1.45%
Annual Interest Income$1.2MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$86.6MM$84.1MM
LoansQ2 2016vs Q2 2015$40.8MM$43.9MM
DepositsQ2 2016vs Q2 2015$77.8MM$75.4MM
Equity CapitalQ2 2016vs Q2 2015$8.6MM$8.4MM
Loan Loss AllowanceQ2 2016vs Q2 2015$351.00K$363.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$256.00K$353.00K
Real Estate OwnedQ2 2016vs Q2 2015$68.00K$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Incenta Federal Credit Union Savings Account Rates

0.05%--Regular Shares
0.05%--Christmas Club
0.05%--Vacation Club

Incenta Federal Credit Union Money Market Rates

0.16%*$100k*-Money Market Account
OTHER TIERS: 0.06% $2,500 - $50k | 0.11% $50k - $100k

Incenta Federal Credit Union CD Rates

0.65%--5 Year Share Certificate
0.55%--4 Year Share Certificate
0.45%--3 Year Share Certificate
0.40%--30 Month Share Certificate
0.30%--18 Month Share Certificate
0.25%--1 Year Share Certificate
0.20%--26 Week Share Certificate

Incenta Federal Credit Union IRA Rates

0.65%--5 Year IRA Share Certificate
0.55%--4 Year IRA Share Certificate
0.45%--3 Year IRA Share Certificate
0.40%--30 Month IRA Share Certificate
0.30%--18 Month IRA Share Certificate
0.25%--1 Year IRA Share Certificate

Incenta Federal Credit Union Locations
Branch Office1345 Lagonda AveSpringfield, OH 45503
Branch Office1100 US Highway 52Aberdeen, OH 45101
Branch Office2231 Olympic StSpringfield, OH 45503-2736
Branch Office3000 Elbee RdMoraine, OH 45439
Branch Office3562 Dayton Xenia RdBeavercreek, OH 45432-2805
Branch Office175 W Wenger RdEnglewood, OH 45322