Deposits held and insured by Pathways Financial Credit Union

Overview / Commentary
175 W Wenger Rd
Englewood, OH 45322
Deposits held and insured by Pathways Financial Credit Union

Field of Membership Restrictions

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

Reviews (2)

Merger With Pathways Financial Credit Union

Incenta Federal Credit Union has merged with Pathways Financial Credit Union.

As part of the merger there appears to be a promo CD rate as well.

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 Q4 2021

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

NCUA #66376
Year Chartered1973
Primary Regulator
Profit Margin
Return on Assets - YTD1.23%
Return on Equity - YTD12.63%
Annual Interest Income$17.6MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$588.3MM$506.9MM
LoansQ4 2021vs Q4 2020$335.4MM$308.9MM
DepositsQ4 2021vs Q4 2020$521.5MM$456.6MM
Equity CapitalQ4 2021vs Q4 2020$56.4MM$50.7MM
Loan Loss AllowanceQ4 2021vs Q4 2020$2.9MM$1.9MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$1.3MM$1.6MM
Real Estate OwnedQ4 2021vs Q4 2020$76.00K$23.00K
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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

10.00%*-$2.5kOwner Rewards Savings
OTHER TIERS: 0.05% $2.5k+
0.50%*$10k*-Health Savings Account
OTHER TIERS: 0.20% Up to $2.5k | 0.40% $2.5k - $10k
0.25%*$100k*-Traditional IRA
OTHER TIERS: 0.10% $100 - $100k
0.05%$250-Regular Shares
0.05%$250-Christmas Club
0.05%$250-Vacation Club
0.05%$250-Secondary Member Share
0.05%$250-Business Savings

Incenta Money Market Rates

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
0.40%*$250k*-Business 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

0.15%*$100k*-Business Premium
OTHER TIERS: 0.05% $2.5k - $50k | 0.10% $50k - $100k
0.05%$250-Premier Checking

Incenta CD Rates

1.10%*$100k*-60 Month Certificate
OTHER TIERS: 1.09% $500 - $100k
1.09%$500-Business 60 Month Certificate
1.05%*$100k*-48 Month Certificate
OTHER TIERS: 1.04% $500 - $100k
1.04%$500-Business 48 Month Certificate
1.00%*$100k*-36 Month Certificate
OTHER TIERS: 0.99% $500 - $100k
0.99%$500-Business 36 Month Certificate
0.90%$500-24 Month Certificate
0.90%$500-Business 24 Month Certificate
0.80%$500-18 Month Certificate
0.80%$500-Business 18 Month Certificate
0.75%$500-12 Month Certificate
0.75%$500-Business 12 Month Certificate
0.55%$500-6 Month Certificate

Incenta IRA Rates

1.10%*$100k*-60 Month IRA
OTHER TIERS: 1.09% $500 - $100k
1.05%*$100k*-48 Month IRA
OTHER TIERS: 1.04% $500 - $100k
1.00%*$100k*-36 Month IRA
OTHER TIERS: 0.99% $500 - $100k
0.90%$500-24 Month IRA
0.80%$500-18 Month IRA
0.75%$500-12 Month IRA
0.55%$500-6 Month IRA


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