We have LOW RATES for your BIG IDEAS

Your friends at Incenta Federal Credit Union want to know... What's your Big Idea?                                                              

Car or Truck Shopping?

We have LOW RATES for your BIG IDEAS! Finance any New or Used Vehicle today!                                                              

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!                                              

Smart Option Student Loan® Offers New Rates

The Smart Option Student Loan® by Sallie Mae® is now providing even more choice and flexibility to students and families with new fixed interest rate options!

Current Auto Loan Rates:

As low as
2.39%APR*

Current Mortgage Rates:

As low as
3.375%APR*

Quick Links:








Welcome!

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 your best interests. We hope that if you have not already, that you will join our Incenta FCU family soon!

 

ATTENTION DEBIT CARD HOLDERS:

Due to fraudulent activity coming through on the compromised cards from the recent retail breaches, Incenta is reissuing all affected cards. You would have recevied a letter notifying you if your card was included.

Your current card will still work using your PIN number, for example, at an ATM, however your signature debit capabilities have been turned off.      

New cards have been ordered and you should receive them within two weeks. Please call the Credit Union with any questions.

 

   
As we continue to monitor the recent Target compromise, we have learned of recent phishing emails related to the Target breach. The emails look like they are from Target and play on the fears of the public that they may have had their card compromised. You should NOT OPEN any links that may be included in these emails as that could potentially allow additional access to your personal information. Target plans to post any and all emails to their breach-related site so its customers will know the difference between valid emails and phishing emails.


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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