Incenta is open to anyone who lives, works, worships, or goes to school in Ohio or the city of Maysville, Kentucky.
See current membership details
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
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.
Overall | |
---|---|
NCUA # | 66376 |
Year Chartered | 1973 |
Employees | 99 |
Primary Regulator |
Profit Margin | |
---|---|
Return on Assets - YTD | 1.23% |
Return on Equity - YTD | 12.63% |
Annual Interest Income | $17.6MM |
Assets and Liabilities | ||
---|---|---|
Assets | Q4 2021vs Q4 2020 | $588.3MM$506.9MM |
Loans | Q4 2021vs Q4 2020 | $335.4MM$308.9MM |
Deposits | Q4 2021vs Q4 2020 | $521.5MM$456.6MM |
Equity Capital | Q4 2021vs Q4 2020 | $56.4MM$50.7MM |
Loan Loss Allowance | Q4 2021vs Q4 2020 | $2.9MM$1.9MM |
Unbacked Noncurrent Loans | Q4 2021vs Q4 2020 | $1.3MM$1.6MM |
Real Estate Owned | Q4 2021vs Q4 2020 | $76.00K$23.00K |
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.
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
---|---|---|---|---|---|
0.15%* | $100k* | - | Business Premium | ||
OTHER TIERS: 0.05% → $2.5k - $50k | 0.10% → $50k - $100k | |||||
0.05% | $250 | - | Premier Checking |