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About Incenta Federal Credit Union


Incenta Federal Credit Union is a full service financial institution. We were established in 1935. We are a member-owned not-for-profit financial organization operated by members for members. Because we are not-for-profit, we are able to offer financial services to you at little or no cost, and return excess earnings to you in the form of dividends (interest).

What Is A Credit Union?


A credit union is a cooperative financial institution, owned and controlled by the people who use its services. These people are members. Credit unions serve groups that share something in common, such as where they work, live, or go to church. Credit unions are not-for-profit, and exist to provide a safe, convenient place for members to save money and to get loans at reasonable rates.

What makes a credit union different from a bank or savings & loan? Like credit unions, these financial institutions accept deposits and make loans--but unlike credit unions, they are in business to make a profit. Banks and savings & loans are owned by groups of stockholders whose interests include earning a healthy return on their investments. Credit unions are not in business to make a profit, but are able to return excess earnings in the form of lower rate loans and higher rate savings.

The Credit Union difference is a philosophy of "People Helping People".

  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.