Happiness is our VISA ® Balance Transfer Offer!

Bundle up your credit cards and pay them off.                                                                            

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:



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!

Incenta Insights

Click here to read the latest edition of our newsletter.

Attention former St. Luke Credit Union Members

Effective March 31, 2017 the former St. Luke Credit Union ABA routing number 2422-78166 will no longer be valid, and any items (checks, ACH, etc...) presented with the invalid routing number will be refused and/or returned. Please ask a member service representative for assistance in ordering new checks with the Incenta Federal Credit Union ABA routing number: 2422-77905.

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.

Mon. Jan. 2 New Year's Day (Observance)
Mon. Jan. 16 Martin Luther King, Jr. Day
Mon. Feb. 20 President's Day
Mon. May 29 Memorial Day
Tues. Jul. 4 Independence Day
Mon. Sep. 4 Labor Day
Mon. Oct. 9 Columbus Day
Sat. Nov. 11 Veterans Day
Thu. Nov. 23 Thanksgiving Day
Mon. Dec. 25 Christmas


  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,
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