Happiness is our VISA ® Balance Transfer Offer!

Bundle up your credit cards and pay them off.

Incenta FCU can take those balances and transfer them to our Low Rate VISA ® Platinum with Rewards and ZERO Balance Transfer Fee!

Offer subject to approval. Rates and terms subject to change. See IFCU representative for complete rate and fee disclosure. If you are applying for a credit card, you understand that the use of your card will constitute acknowledgment of receipt and agreement of the credit card agreement and disclosure. Federally Insured by NCUA. Equal Opportunity Lender.

Call, stop in your local branch or apply online today!

(937) 223-4943 | (800) 678-4943

Ask about our Incenta FCU VISA® Platinum with Rewards.

Our low rate card provides convenience and great benefits! Plus, with our Incenta VISA® Platinum with Rewards you will earn points for every dollar you spend to use on items that matter to you... merchandise, travel, car rentals and more!

Call or stop in your local branch to apply today!

Incenta’s Home Equity Line of Credit

Featured Benefits:

• Rates as low as 4.00% APR*
• Finance any large purchase needs such as: vehicles, tuition, home improvements

Call your branch to learn more or apply today!

*APR = Annual Percentage Rate. Minimum balance requirement of $5,000. Home Equity Loans may be financed up to 80 percent of the appraised value less the first mortgage balance.

Incenta Offers Auto Indirect Lending!

Shop any of the following dealerships and simply ask to finance through us. All paperwork will be handled at the dealership so you can drive off in your new or used vehicle even faster!

For your convenience, we are proud to partner with the following dealerships:

Barry's Chevrolet Buick - West Union
Beau Townsend Lincoln Ford - Vandalia
Beau Townsend Nissan - Vandalia
Bill Marine Honda - Springfield
Dave Dennis Chrysler, Jeep, Dodge - Dayton
Express Motors - Dayton
Hittle Buick, GMC Truck - Greenville
Jeff Schmitt Chevrolet - Fairborn/Miamisburg
Jeff Schmitt Mazda - Beavercreek
Jeff Schmitt Mitsubishi - Fairborn
Jeff Schmitt Nissan - Beavercreek
Joseph Airport Hyundai - Vandalia
Joseph Airport Toyota - Vandalia
Ken's Kars - Dayton
Kia of Dayton - Dayton
Subaru of Dayton - Dayton
Wagner Subaru - Fairborn
White Allen Chevrolet - Dayton
White Allen Honda - Dayton
Wyler Chevrolet, Toyota, Kia, Hyundai - Springfield 

Contact your Incenta branch or any of the listed dealerships for more information on this service!

Smart Option Student Loan® by Sallie Mae®

Now you can pay for college the smart way with three great repayment options and competitive interest rates!

The loan is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans.

For more information or to apply, contact your local branch or click here to apply online.