Give Yourself Credit...

for working hard and striving for a better financial future.                                                                                     

That's How We Roll!

Reasonable Rates for Reliable Transportation.                                                                            

Ask About Our Incenta FCU VISA® Platinum with Rewards

Our low rate card provides convenience and great benefits!                                              

Incenta’s Home Equity Line of Credit

Low rates and no closing costs allows you to finance any large purchase with our Incenta Home Equity Loan.

Incenta Offers Auto Indirect Lending!

It is now even easier to finance your auto loan through Incenta FCU!                                              

The Smart Option Student Loan® by Sallie Mae®

For borrowers attending degree-granting institutions.                                                              

Current Auto Loan Rates:

As low as

Current Mortgage Rates:

As low as

Quick Links:

Debit Card Alert!

We wanted to let you know that effective immediately, on certain transactions using your IFCU Debit Card you will be asked to use your PIN, instead of a signature based transaction (running the transaction as credit) because of additional security taken by retailers to prevent fraud. We realize this may pose an inconvenience if you are used to doing signature based transactions, and wanted to alert you in advance so you are not surprised at a retail terminal.

If you need to rest your PIN please call 1-800-992-3808. Please feel free to call us at 937-223-4943 or 800-678-4943 during regular business hours with questions. Your security is of the utmost importance to us.


We at Incenta FCU want to welcome you to our site and thank you for your interest in our credit union. As a member of Incenta, you can feel confident knowing that your financial institution is always looking out for you. We hope that if you have not already, you will join our Incenta FCU family soon!

Go Mobile!

Our Mobile Banking App for iPhone and Android provides a 24/7 Virtual Branch On-The-Go!



Join Incenta 

Incenta FCU is a community credit union serving anyone who lives, works, worships, attends school and businesses in Montgomery, Miami, Clark, Greene, Adams and Brown counties in Ohio and the city of Maysville, KY.

  Englewood (Main Office)

175 West Wenger Road
Englewood, Ohio 45322
(800) 678-4943
(937) 223-4943
Dayton Branch

3000 Elbee Road
Dayton, OH 45439
(800) 861-9767
(937) 223-9445
Aberdeen Branch

1100 US. Route 52
Aberdeen, OH 45101
(800) 678-2640
(937) 795-2640
Olympic Office

2231 Olympic Drive
Springfield, OH 45503
(800) 678-1396
(937) 390-1396
Lagonda Branch
1345 Lagonda Avenue
Springfield, OH 45503
(800) 678-1396
(937) 521-1164
Beavercreek Branch
3562 Dayton Xenia Road
Beavercreek, OH 45432
(937) 429-0604
*APR=Annual Percentage Rate. Actual Rate dependent on applicant credit, age of auto, loan amount and/or loan term. Rates subject to change.
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Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government National Credit Union Administration,
a U.S. Government Agency.