Incenta Federal Credit Union

Deposits held and insured by Pathways Financial Credit Union

Overview / Commentary
937-223-4943
175 W Wenger Rd
Englewood, OH 45322
Deposits held and insured by Pathways Financial Credit Union

Field of Membership Restrictions

Membership is open to anyone who lives, works, worships, attends school, or volunteers, in the counties of Montgomery, Greene, Clark, Miami, Brown and Adams in Ohio, and the city of Maysville, KY.
See current membership details

Reviews (2)

Merger With Pathways Financial Credit Union

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

Great customer service

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.



Health
B+

Data as of Q1 2019

Data displayed below is for insuring bank: Pathways Financial Credit Union
Learn why bank health matters
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, and a negative return on assets.

Health Grade Components

Overall
NCUA #293
Year Chartered1935
Employees26
Primary Regulator
Profit Margin
Return on Assets - YTD-3.03%
Return on Equity - YTD-32.66%
Annual Interest Income$681.00K
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$91.4MM$90.5MM
LoansQ1 2019vs Q1 2018$40.1MM$43.9MM
DepositsQ1 2019vs Q1 2018$81.8MM$81.1MM
Equity CapitalQ1 2019vs Q1 2018$8.4MM$9.0MM
Loan Loss AllowanceQ1 2019vs Q1 2018$351.00K$363.00K
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$208.00K$300.00K
Real Estate OwnedQ1 2019vs Q1 2018$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Incenta Federal Credit Union; 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 Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%--Regular Shares
0.05%--Christmas Club
0.05%--Vacation Club

Incenta Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$250k*-Money Market Account
OTHER TIERS: 0.55% $2.5k - $50k | 0.75% $50k - $100k | 0.85% $100k - $250k

Incenta Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.60%$1k-5 Year Share Certificate
2.50%$1k-4 Year Share Certificate
2.35%$1k-3 Year Share Certificate
2.20%$1k-24 Month Share Certificate
1.75%$1k-18 Month Share Certificate
1.65%$1k-1 Year Share Certificate

Incenta Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.60%$1k-5 Year IRA Share Certificate
2.50%$1k-4 Year IRA Share Certificate
2.35%$1k-3 Year IRA Share Certificate
2.20%$1k-24 Month IRA Share Certificate
1.75%$1k-18 Month IRA Share Certificate
1.65%$1k-1 Year IRA Share Certificate
Locations


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

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