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 Q1 2020

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

Learn why bank health matters

Health Grade Components

Overall
NCUA #	66376
Year Chartered	1973
Employees	101
Primary Regulator

Profit Margin
Return on Assets - YTD	0.36%
Return on Equity - YTD	3.56%
Annual Interest Income	$3.6MM

Assets and Liabilities
Assets	Q1 2020vs Q1 2019	$417.2MM$300.7MM
Loans	Q1 2020vs Q1 2019	$251.6MM$208.1MM
Deposits	Q1 2020vs Q1 2019	$371.6MM$266.9MM
Equity Capital	Q1 2020vs Q1 2019	$42.6MM$29.7MM
Loan Loss Allowance	Q1 2020vs Q1 2019	$1.0MM$780.00K
Unbacked Noncurrent Loans	Q1 2020vs Q1 2019	$1.4MM$687.00K
Real Estate Owned	Q1 2020vs Q1 2019	$23.00K$154.00K

Rates

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Savings
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: 0.10% → $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
0.10%	$250	-	Business Savings
0.05%	$250	-	Christmas Club
0.05%	$250	-	Vacation Club

Incenta Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW 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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
1.10%^*	$100k^*	-	60 Month CD
OTHER TIERS: 1.05% → $500 - $100k
1.00%^*	$100k^*	-	48 Month CD
OTHER TIERS: 0.95% → $500 - $100k
1.00%	$500	-	Business 30 Month CD
0.90%	$500	-	36 Month CD
0.90%	$500	-	Business 24 Month CD
0.85%	$500	-	24 Month CD
0.85%	$500	-	Business 18 Month CD
0.80%	$500	-	18 Month CD
0.80%	$500	-	Business 12 Month CD
0.70%	$500	-	12 Month CD
0.60%	$500	-	6 Month CD

Incenta IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.10%^*	$100k^*	-	60 Month IRA Share Certificate
OTHER TIERS: 1.05% → $500 - $100k
1.00%^*	$100k^*	-	48 Month IRA Share Certificate
OTHER TIERS: 0.95% → $500 - $100k
0.90%	$500	-	36 Month IRA Share Certificate
0.85%	$500	-	24 Month IRA Share Certificate
0.80%	$500	-	18 Month IRA Share Certificate
0.70%	$500	-	12 Month IRA Share Certificate
0.60%	$500	-	6 Month IRA Share Certificate

Locations

Availability

Dayton Area

Dayton Area bank & credit union details

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