Incenta Federal Credit Union is headquartered in Englewood and is the 67th largest credit union in the state of Ohio. It is also the 1,716th largest credit union in the nation. It was established in 1935 and as of March of 2019, it had grown to 26 employees and 7,571 members at 6 locations. Incenta Federal Credit Union's money market rates are 2X the national average, and it has a B+ health rating.
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
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.
Data as of Q1 2019
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 293 |
| Year Chartered | 1935 |
| Employees | 26 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | -3.03% |
| Return on Equity - YTD | -32.66% |
| Annual Interest Income | $681.00K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2019vs Q1 2018 | $91.4MM$90.5MM |
| Loans | Q1 2019vs Q1 2018 | $40.1MM$43.9MM |
| Deposits | Q1 2019vs Q1 2018 | $81.8MM$81.1MM |
| Equity Capital | Q1 2019vs Q1 2018 | $8.4MM$9.0MM |
| Loan Loss Allowance | Q1 2019vs Q1 2018 | $351.00K$363.00K |
| Unbacked Noncurrent Loans | Q1 2019vs Q1 2018 | $208.00K$300.00K |
| Real Estate Owned | Q1 2019vs Q1 2018 | $0$0 |
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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.10% | - | - | Regular Shares | |
| 0.05% | - | - | Christmas Club | |
| 0.05% | - | - | Vacation Club |
Incenta Federal Credit Union Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 1.00%* | $250k* | - | Money Market Account | ||
| OTHER TIERS: 0.50% → $2.5k - $10k | 0.55% → $10k - $25k | 0.65% → $25k - $50k | 0.75% → $50k - $100k | 0.85% → $100k - $250k | |||||
Incenta Federal Credit Union Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.05% | - | - | Premier Checking |
Incenta Federal Credit Union CD Rates
Incenta Federal Credit Union IRA Rates
| Incenta Federal Credit Union Locations | ||
|---|---|---|
| Branch Office | 1345 Lagonda Ave | Springfield, OH 45503 |
| Branch Office | 1100 US Highway 52 | Aberdeen, OH 45101 |
| Branch Office | 2231 Olympic St | Springfield, OH 45503-2736 |
| Branch Office | 3000 Elbee Rd | Moraine, OH 45439 |
| Branch Office | 3562 Dayton Xenia Rd | Beavercreek, OH 45432-2805 |
| Branch Office | 175 W Wenger Rd | Englewood, OH 45322 |