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Loans & Credit Cards


Mortgage Loans

We are a full-service mortgage provider and offer a variety of mortgage loans that will fit any of your purchase, refinancing or home-improvement needs.

First Mortgages

Incenta offers both 15 and 30-year fixed rate mortgage loans. We will refinance up to 80 percent of the purchase or appraisal price, whichever is lower. What’s more, we make the process quick and easy by allowing members to get prequalified or apply directly online.

To help those members who are looking for additional financing, we also offer mortgage services through myCUmortgage, a credit union service organization that provides mortgage solutions. This product allows members to take advantage of 97 percent financing with flexible underwriting, reduced PMI, and great rates.

To apply online or learn more about our mortgage programs through myCUmortgage:
click here for Dayton/Springfield.   click here for Aberdeen.

Second Mortgages

Home Equity Loans are closed-end loans with a fixed rate of interest. Upon loan approval, the entire disbursement is provided to the member in one lump sum. The home will be used as collateral for the second mortgage, and a minimum balance of $5,000 is required. We will finance up to 80 percent of the appraised value less the first mortgage balance.

Vehicle Loans

Our competitive auto loan rates are just what you’re looking for to save on your monthly payments!

We provide low, fixed rate loans on the following vehicles:

  • New Cars/Trucks
  • Used Cars/Trucks
  • Recreational Vehicles: Boats, and RVs
  • Snowmobiles, personal watercraft, motorcycles

Signature Loans

We understand that life happens, and sometimes you just need a little help. Our signature loan is designed to do just that.

Use the signature loan for any personal reason:

  • Consolidate bills
  • Pay taxes
  • Purchase new furniture
  • Take that much-needed vacation
  • Car or vehicle repairs

Contact Incenta today for more information on taking advantage of our useful signature loan.

Share Secured Loans

Share Secured loans provide some of the lowest interest rates available. You can pledge your share savings account or share certificate for collateral. Generally, the interest rate for this type of loan can be figured by adding three percent to the dividend rate on the savings account. The loan can be granted for up to five years.

Credit Rebuilder

Credit rebuilder is a loan, which allows a member to borrow up to $500 without pulling a new credit bureau report.

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Credit Cards

The benefit of joining a credit union is enjoying financial products that are affordable and smart. For instance, our credit cards offer a low, fixed rate.

Our Incenta Visa Credit Card provides these additional features:

  • No Annual Fee
  • 25 Day Grace Period (on retail purchases)
  • Cash Advance
  • Skip-A-Payment in December – Penalty Free!
  • Free Travel Accident Insurance
  • 3-D Secure (Password Protection for Online Shopping)
  • Accepted worldwide where Visa is accepted
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