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Incenta is a community credit union serving anyone who lives, works, worships, attends school or owns a business in Central and South West Ohio including Montgomery, Miami, Clark, Greene, Adams, Brown, Franklin and surrounding counties in Ohio, as well as the city of Maysville, KY.

Auto Loans

as low as


as high as

Dayton Area Tornado Assistance

Incenta is Here to Help.

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Spirit of SUMMER

Get a LOW RATE Lifestyle Loan...
Just when you need it!

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Refi Your Ride

Bring us your Auto Loan from another Lender
Get 1% Cash Back Up to $1,000! And No Payments for 90-days!

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Loans For All Lifestyles

No matter who or where you are, Incenta knows
your lending needs are as unique as you are.

View our lending options.

Be Ready For Any Purchase

Happiness is our VISA® Balance Transfer Offer!
Bundle up your credit cards and pay them off.

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Credit Cards With Rewards

Earn points for every dollar you spend
to use on items that matter to you.

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Smart Option Student Loan®

For bachelor’s and associate’s degrees
or a certificate at a degree-granting school.

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Branch Hours

  • Monday8:30 AM to 5:00 PM
  • Tuesday8:30 AM to 5:00 PM
  • Wednesday10:30 AM to 5:00 PM
  • Thursday8:30 AM to 5:00 PM
  • Friday9:00 AM to 6:00 PM
  • SaturdayClosed
  • SundayClosed
Newspaper and computer - read the incenta federal credit union newsletter
Summer / Fall 2018

Incenta Insights Newsletter

Read the latest news
Englewood 175 West Wenger Road
Englewood, OH 45322
Beavercreek 3562 Dayton Xenia Road
Beavercreek, OH 45432
Dayton 3000 Elbee Road
Dayton, OH 45439
Olympic 2231 Olympic Drive
Springfield, OH 45503
Lagonda 1345 Lagonda Avenue
Springfield, OH 45503
Aberdeen 1100 U.S. Rt. 52
Aberdeen, OH 45101
Casino District 750 Georgesville Rd.
Columbus, OH 43228
Delaware 879 West William St.
Delaware, OH 43015
Gahanna/New Albany Area 5665 North Hamilton Rd.
Columbus, OH 43230
Grandview 1445 West Goodale Blvd.
Columbus, OH 43212
Marysville 121 Emmaus Rd.
Marysville, OH 43040