Incenta Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
1.76%	5-year CD	5 Year Share Certificate 1.55% - National Average
0.95%	1-year CD	1 Year Share Certificate 0.62% - National Average
0.05%	Savings	Regular Shares 1.30% - Synchrony Bank High Yield Savings

View all Incenta Federal Credit Union rates »

Overview / Commentary

incentafcu.org

800-678-4943

175 W Wenger Rd
Englewood, OH 45322

Incenta Federal Credit Union is headquartered in Englewood and is the 69^th largest credit union in the state of Ohio. It is also the 1,737^th largest credit union in the nation. It was established in 1935 and as of June of 2017, it had grown to 20 employees and 8,151 members at 6 locations. Incenta Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship, attend school and businesses in Montgomery, Miami, Clark, Greene, Adams and Brown counties in Ohio and the city of Maysville, KY.
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Health

B+

Data as of Q2 2017

Learn why bank health matters

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

Overall
NCUA #	293
Year Chartered	1935
Employees	20
Primary Regulator

Profit Margin
Return on Assets - YTD	0.2%
Return on Equity - YTD	2.04%
Annual Interest Income	$1.2MM

Assets and Liabilities
Assets	Q2 2017vs Q2 2016	$87.5MM$86.6MM
Loans	Q2 2017vs Q2 2016	$44.7MM$40.8MM
Deposits	Q2 2017vs Q2 2016	$78.4MM$77.8MM
Equity Capital	Q2 2017vs Q2 2016	$8.7MM$8.6MM
Loan Loss Allowance	Q2 2017vs Q2 2016	$349.00K$351.00K
Unbacked Noncurrent Loans	Q2 2017vs Q2 2016	$364.00K$256.00K
Real Estate Owned	Q2 2017vs Q2 2016	$0$68.00K

Rates

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Savings
Money Market
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME
0.05%	-	-	Regular Shares
0.05%	-	-	Christmas Club
0.05%	-	-	Vacation Club

Incenta Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%^*	$100k^*	-	Money Market Account
OTHER TIERS: 0.15% → $2,500 - $50k \| 0.21% → $50k - $100k

Incenta Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.76%	$1k	-	5 Year Share Certificate
1.51%	$1k	-	4 Year Share Certificate
1.26%	$1k	-	3 Year Share Certificate
1.11%	$1k	-	30 Month Share Certificate
1.00%	$1k	-	18 Month Share Certificate
0.95%	$1k	-	1 Year Share Certificate
0.50%	$1k	-	26 Week Share Certificate

Incenta Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.76%	$1k	-	5 Year IRA Share Certificate
1.51%	$1k	-	4 Year IRA Share Certificate
1.26%	$1k	-	3 Year IRA Share Certificate
1.11%	$1k	-	30 Month IRA Share Certificate
1.00%	$1k	-	18 Month IRA Share Certificate
0.95%	$1k	-	1 Year IRA Share Certificate

Locations

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