Get Holiday Ready with our VISA® Balance Transfer Offer!

Bundle up your credit cards and pay them off.                                                                            

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!

Bill Pay Service Update

Our bill pay service is being updated in an effort to provide the best security to our members. As a result, some older browsers may not be able to connect to the bill payment site. The following is a list of browsers and versions that are compatible: Internet Explorer (version 11), MS Edge (all versions), Firefox (version 31 and above), Safari (version 7 and above), and Google Chrome (version 42 and above).

Equifax Cybersecurity Incident

Click here to read the latest information on the Equifax Cybersecurity Incident.

Incenta Insights

Click here to read the latest edition of our newsletter.


Join Incenta 

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

Mon. Jan. 1 New Year's Day
Mon. Jan. 15 Martin Luther King, Jr. Day
Mon. Feb. 19 President's Day
Mon. May 28 Memorial Day
Wed. Jul. 4 Independence Day
Mon. Sep. 3 Labor Day
Mon. Oct. 8 Columbus Day
Mon. Nov. 12 Veteran's Day
Thu. Nov. 22 Thanksgiving Day
Mon. Dec. 24 OPEN 9 - 1
Tue. Dec. 25 Christmas Day
Mon. Dec. 31 OPEN 9 - 1


  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.