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Who We Are

Incenta is a full-service financial institution, established in 1935. We are a member-owned, not-for-profit financial organization operated by members for members. Because we are not-for-profit, we can offer financial services to you at little-or-no cost and return excess earnings to you in the form of dividends (interest).

About Incenta

At Incenta, our primary goal is to look out for our members’ needs by building valued relationships.

Since 1935, we’ve been working with members to bring them the best in banking services, like checking and savings accounts, home and auto loans, and credit cards.

We want the people who come to us to feel confident in the services we offer. We want them to trust us, learn from us, feel safe with us. Incenta is more than just a credit union – it’s a community. When you step through our doors, we want you to feel the same sense of comfort and warmth that we feel while serving you. Interestingly enough, money isn’t everything to us. The connections we make, however, are essential.

Things are different than they were in 1935. A lot has happened since then, both for us as a company and for the world in general. Times are always changing, but our mission and core values remain the same. If you want to be part of a credit union that cares more about you than your wallet, come down and see what we’re all about. We have a feeling you’re going to fit right in.

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What Is A Credit Union?

A credit union is a cooperative financial institution, owned and controlled by the people who use its services. Credit unions serve groups that share something in common, such as where they work, live, or go to church. Credit unions are not-for-profit and exist to provide a safe, convenient place for members to save money and to get loans at reasonable rates.

What makes a credit union different from a bank or savings & loan? Like credit unions, these financial institutions accept deposits and make loans – but unlike credit unions, they are in business to make a profit. Credit unions are not in business to make a profit but are able to return excess earnings in the form of lower-rate loans and higher-rate savings.

The Credit Union difference is a philosophy of People Helping People.”

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