Incenta Federal Credit Union has merged with Pathways Financial Credit Union.
https://incentafcu.org/merger-updates/

As part of the merger there appears to be a promo CD rate as well.
https://www.pathwayscu.com/wp-content/uploads/2019/03/Incenta-Welcome-Coupons-v4.0.pdf

Comment

Great customer service

Posted by: kirstennicholson | Apr 15, 2018

I have had my checking account with Incenta for six years now. I was encouraged to join because they had a sign up day with my employer. It cost me $5 to "join," and that money sits as an investment, but not as part of my usable balance. I don't totally understand the reasoning behind it. I had heard good things about Incenta, and it is true that they offered me free and fast notary services and other paper work options. They also helped me one and one when I opened my account and had questions related to my specific situation. I felt like I got correct answers since a real person was talking to me. So the customer service benefits are good and personal. As far as the financial benefits, I don't believe they are as good as my other national bank account. Incenta charges account fees which eat into my balance, and their interest rates aren't any better than a bigger bank. I'm also disappointed by the limitations of their website. Incenta is a good banking option if you are financially comfortable and can afford to pay fees for better service. It's not the best option if you are just getting by and need every penny you can get.

Comment

Health

Data as of Q4 2021

Data displayed below is for insuring bank: Pathways Financial Credit Union

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Health Grade Components

Overall
NCUA #	66376
Year Chartered	1973
Employees	99
Primary Regulator

Profit Margin
Return on Assets - YTD	1.23%
Return on Equity - YTD	12.63%
Annual Interest Income	$17.6MM

Assets and Liabilities
Assets	Q4 2021vs Q4 2020	$588.3MM$506.9MM
Loans	Q4 2021vs Q4 2020	$335.4MM$308.9MM
Deposits	Q4 2021vs Q4 2020	$521.5MM$456.6MM
Equity Capital	Q4 2021vs Q4 2020	$56.4MM$50.7MM
Loan Loss Allowance	Q4 2021vs Q4 2020	$2.9MM$1.9MM
Unbacked Noncurrent Loans	Q4 2021vs Q4 2020	$1.3MM$1.6MM
Real Estate Owned	Q4 2021vs Q4 2020	$76.00K$23.00K

Rates

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Money Market
Checking
CD
IRA

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Always verify rates and promotions with the bank or credit union. We are not Incenta; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Incenta Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
10.00%^*	-	$2.5k	Owner Rewards Savings
OTHER TIERS: 0.05% → $2.5k+
0.50%^*	$10k^*	-	Health Savings Account
OTHER TIERS: 0.20% → Up to $2.5k \| 0.40% → $2.5k - $10k
0.25%^*	$100k^*	-	Traditional IRA
OTHER TIERS: 0.10% → $100 - $100k
0.05%	$250	-	Regular Shares
0.05%	$250	-	Christmas Club
0.05%	$250	-	Vacation Club
0.05%	$250	-	Secondary Member Share
0.05%	$250	-	Business Savings

Incenta Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.40%^*	$250k^*	-	Money Market Account
OTHER TIERS: 0.20% → $2.5k - $25k \| 0.25% → $25k - $50k \| 0.30% → $50k - $100k \| 0.35% → $100k - $250k
0.40%^*	$250k^*	-	Business Money Market Account
OTHER TIERS: 0.20% → $2.5k - $25k \| 0.25% → $25k - $50k \| 0.30% → $50k - $100k \| 0.35% → $100k - $250k

Incenta Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.15%^*	$100k^*	-	Business Premium
OTHER TIERS: 0.05% → $2.5k - $50k \| 0.10% → $50k - $100k
0.05%	$250	-	Premier Checking

Incenta CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.10%^*	$100k^*	-	60 Month Certificate
OTHER TIERS: 1.09% → $500 - $100k
1.09%	$500	-	Business 60 Month Certificate
1.05%^*	$100k^*	-	48 Month Certificate
OTHER TIERS: 1.04% → $500 - $100k
1.04%	$500	-	Business 48 Month Certificate
1.00%^*	$100k^*	-	36 Month Certificate
OTHER TIERS: 0.99% → $500 - $100k
0.99%	$500	-	Business 36 Month Certificate
0.90%	$500	-	24 Month Certificate
0.90%	$500	-	Business 24 Month Certificate
0.80%	$500	-	18 Month Certificate
0.80%	$500	-	Business 18 Month Certificate
0.75%	$500	-	12 Month Certificate
0.75%	$500	-	Business 12 Month Certificate
0.55%	$500	-	6 Month Certificate

Incenta IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.10%^*	$100k^*	-	60 Month IRA
OTHER TIERS: 1.09% → $500 - $100k
1.05%^*	$100k^*	-	48 Month IRA
OTHER TIERS: 1.04% → $500 - $100k
1.00%^*	$100k^*	-	36 Month IRA
OTHER TIERS: 0.99% → $500 - $100k
0.90%	$500	-	24 Month IRA
0.80%	$500	-	18 Month IRA
0.75%	$500	-	12 Month IRA
0.55%	$500	-	6 Month IRA

Locations

Availability

Dayton Area

Dayton Area bank & credit union details

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