Happiness is our VISA® Balance Transfer Offer!

Bundle up your credit cards and pay them off.                                                                            

Loans For All Lifestyles

Drive Away with a No Fee Loan. No Application Fees or Title Fees!                                                                            

Ask About Our Incenta FCU VISA® Platinum with Rewards

Our low rate card provides convenience and great benefits!                                              

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:


New Branch Hours!

Monday, Tuesday, Thursday: 8:30 - 5:00
Wednesday: 10:30 - 5:00
Friday: 9:00 - 6:00

Website Accessibility Statement

Incenta Federal Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. We are actively working to increase accessibility and usability of our website to everyone. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at 937-223-4943. All products and services available on this website are available at Incenta Federal Credit Union branches. Click here to read more.

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
Fri. Nov. 23 Day After Thanksgiving
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.