Incenta Federal Credit Union

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A short history of Incenta FCU

Since its inception in 1935 the Incenta Federal Credit Union has been serving its members in the ENGLEWOOD, Ohio area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Deborah Cadle, the Incenta FCU has grown its membership to over 8,151 with assets of more than $87,533,574. They have a main office and 6 branch offices. Please see the credit unions website or contact them by phone at (937) 223-4943 or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in ENGLEWOOD, OH.

General Information For Incenta FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 293
Address 175 W WENGER RD 
State Ohio 
Zip-Code 45322
Phone Number (937) 223-4943
Fax Number (937) 223-8533
Email Address:
CEO/President Deborah Cadle
Members 8,151 
Full-Time Employees 20 
Part-Time Employees 10 
Number of Branch Offices
Total Assets 87,533,574 

Compare Incenta Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Abbey CU Abbey Credit Union Troy Branch 1341 Wayne St 45373 (937) 335-7500 No 8.01
Day-met CU DayMet Credit Union South Branch 3199 S Dixie Dr 45413 (937) 236-2562 No 9.98
Freedom First CU Main Office-Dayton 1645 Webster St 45404 (937) 223-2828 No 10.72
Code CU Dayton 355 W Monument Ave 45402 (937) 222-8971 No 11.14
Wright-dunbar Area CU Coriinthian Branch 700 S James H McGee Blvd 45417 (937) 223-1101 No 11.27

Incenta Federal Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Incenta Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 9.90 3.89 3.89 3.50 5.00
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 243 261 189 72 229
Rank Among All Ohio Credit Unions 38 79 38 11 47

Incenta Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.05 0.11 2.48 2.15
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 143 133 17 37
Rank Among All Ohio Credit Unions N/A 28 37 2 3
Incenta Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 9.9001,3582,148,397
All Other Unsecured Loans/Lines of Credit 8.0007262,137,351
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 3.24023113,762
New Vehicle Loans 3.8903366,781,215
Used Vehicle Loans 3.89093912,819,409
Total 1st Mortgage Real Estate Loans/Lines of Credit 3.50025617,090,618
Total Other Real Estate Loans/Lines of Credit 5.0001492,851,454
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 8.00066766,173
TOTAL LOANS & LEASES 3,85344,708,379

Incenta Federal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 302,798,84100
    b. 15 Years or less 22614,291,777141,397,330
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 1082,107,5236223,103
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 41743,931598,039
Open-End Fixed Rate 0000
TOTALS 40519,942,072251,718,472


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Incenta Federal Credit Union Member Offerings
First Time Homebuyer Program Yes
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards No
Overdraft Protection/Courtesy Pay No
Overdraft Lines of Credit No
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders No
No Surcharge ATMs No
Home Banking Via Internet Website Yes