Incent Yourself to do MORE with Incenta!
It's Spring... and we have the PERFECT LOAN to finance all of your Home Improvement Projects.
Freedom is finally within reach.
Incenta's here to get you the car of your dreams.
Choose our Incenta Visa Card!
Our low, fixed rate cards 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.
New Service: Auto Indirect Lending!
Our new Indirect Lending program allows you to quickly and conveniently open a new Incenta loan at any of our partnered dealerships!
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
2.74%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!
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 |