Incenta

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 Fairfield, Franklin, Delaware, Licking, Madison, Pickaway, and Union Counties of Ohio.
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
A

Data as of Q4 2019

Data displayed below is for insuring bank: Pathways Financial Credit Union
Learn why bank health matters

Health Grade Components

Overall
NCUA #66376
Year Chartered1973
Employees101
Primary Regulator
Profit Margin
Return on Assets - YTD0.8%
Return on Equity - YTD7.85%
Annual Interest Income$13.5MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$414.2MM$290.9MM
LoansQ4 2019vs Q4 2018$248.5MM$196.5MM
DepositsQ4 2019vs Q4 2018$367.7MM$257.6MM
Equity CapitalQ4 2019vs Q4 2018$41.9MM$29.0MM
Loan Loss AllowanceQ4 2019vs Q4 2018$944.00K$747.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$1.3MM$843.00K
Real Estate OwnedQ4 2019vs Q4 2018$23.00K$65.00K
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
10.00%*-$2.5kOwner Rewards Savings
OTHER TIERS: 0.10% $2.5k+
1.10%*$25k*-Health Savings Account
OTHER TIERS: 0.20% Up to $2.5k | 0.40% $2.5k - $10k | 0.75% $10k - $25k
0.30%*$100k*-Traditional IRA
OTHER TIERS: 0.15% $100 - $100k
0.10%$250-Regular Shares
0.10%$250-Secondary Member Share
0.05%$250-Christmas Club
0.05%$250-Vacation Club
0.05%$250-Business Savings

Incenta Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

Incenta Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$100k*-Business Premium
OTHER TIERS: 0.05% $2.5k - $25k | 0.10% $25k - $50k | 0.15% $50k - $100k
0.05%$250-Premier Checking

Incenta CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.30%$500-Business 24 Month CD
1.10%*$100k*-60 Month CD
OTHER TIERS: 0.95% $500 - $100k
1.10%$500-Business 12 Month CD
1.00%*$100k*-48 Month CD
OTHER TIERS: 0.85% $500 - $100k
0.95%$500-Business 18 Month CD
0.90%*$100k*-36 Month CD
OTHER TIERS: 0.80% $500 - $100k
0.85%*$100k*-24 Month CD
OTHER TIERS: 0.75% $500 - $100k
0.75%$500-Business 30 Month CD
0.70%$500-18 Month CD
0.60%$500-12 Month CD
0.50%$500-6 Month CD

Incenta IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.10%*$100k*-60 Month IRA Share Certificate
OTHER TIERS: 0.95% $500 - $100k
1.00%*$100k*-48 Month IRA Share Certificate
OTHER TIERS: 0.85% $500 - $100k
0.90%*$100k*-36 Month IRA Share Certificate
OTHER TIERS: 0.80% $500 - $100k
0.85%*$100k*-24 Month IRA Share Certificate
OTHER TIERS: 0.75% $500 - $100k
0.70%$500-18 Month IRA Share Certificate
0.60%$500-12 Month IRA Share Certificate
0.50%$500-6 Month IRA Share Certificate
Locations

Availability



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