Overview / Commentary
175 W Wenger Rd
Englewood, OH 45322

Incenta Federal Credit Union is headquartered in Englewood and is the 66th 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 June of 2018, it had grown to 23 employees and 7,890 members at 6 locations. Incenta Federal Credit Union's CD rates are 84% higher than the national average, and it has an A 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

Reviews (1)

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.

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.

Health Grade Components

NCUA #293
Year Chartered1935
Primary Regulator
Profit Margin
Return on Assets - YTD0.29%
Return on Equity - YTD2.93%
Annual Interest Income$1.3MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$90.6MM$87.5MM
LoansQ2 2018vs Q2 2017$42.6MM$44.7MM
DepositsQ2 2018vs Q2 2017$81.1MM$78.4MM
Equity CapitalQ2 2018vs Q2 2017$9.0MM$8.7MM
Loan Loss AllowanceQ2 2018vs Q2 2017$362.00K$349.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$238.00K$364.00K
Real Estate OwnedQ2 2018vs Q2 2017$0$0
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* 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

0.05%--Regular Shares
0.05%--Christmas Club
0.05%--Vacation Club

Incenta Federal Credit Union Money Market Rates

0.55%*$100k*-Money Market Account
OTHER TIERS: 0.45% $2.5k - $50k | 0.50% $50k - $100k

Incenta Federal Credit Union CD Rates

2.63%$1k-5 Year Share Certificate
2.53%$1k-4 Year Share Certificate
2.32%$1k-3 Year Share Certificate
2.12%$1k-30 Month Share Certificate
1.81%$1k-18 Month Share Certificate
1.66%$1k-1 Year Share Certificate
1.41%$1k-26 Week Share Certificate

Incenta Federal Credit Union IRA Rates

2.63%$1k-5 Year IRA Share Certificate
2.53%$1k-4 Year IRA Share Certificate
2.32%$1k-3 Year IRA Share Certificate
2.12%$1k-30 Month IRA Share Certificate
1.81%$1k-18 Month IRA Share Certificate
1.66%$1k-1 Year IRA Share Certificate

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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