Accounts

Personal Accounts

Your CODE Savings and Checking Plans are federally insured up to $250,000 through NCUA, the National Credit Union Administration, an agency of the U.S. Government.

Checking

Regular Checking

At CODE, we believe our members deserve a low cost, quality checking account. This account was designed with your needs in mind.

  • Unlimited check writing and no minimum balance requirements
  • Safe, convenient, secure eStatements
  • FREE Access24 Internet Banking
  • Share savings and/or Ready Ca$h credit line as overdraft protection
  • New! Mobile Banking App
  • Online budgeting with Access 360
  • 24/7 access with CODE Visa® Debit Card
  • Online Bill Pay available for $4.95 per month*

*Bill Pay fee of $4.95 is waived if member has direct deposit of net pay, debit card and eStatements.

Virtual Checking

This account is perfect for students, the tech-savvy, or the busy member who enjoys doing much of their business electronically. VIRTUAL Checking goes wherever you go. For a limited time, open a Virtual Checking account with 4 online services and we’ll make a $10 donation to The House Of Bread.

  • No minimum balance requirements
  • Safe, convenient, secure eStatements
  • FREE Access24 Internet Banking
  • Mobile Banking App
  • Online budgeting with Access 360
  • 24/7 access with CODE Visa® EMV Chip Debit Card
  • Online Bill Pay available for $4.95 per month*
  • Credit score monitoring directly from online banking
  • Share savings and/or Ready Ca$h credit line as overdraft protection

*Bill Pay fee of $4.95 is waived if member has direct deposit of net pay, debit card and eStatements

Health Savings Account

CODE's Health Savings Accounts (HSAs) are a convenient way to save for future or current medical expenses.   Available for those with High Deductible Health Plans (HDHP), HSAs are an extra safety net into which you and your employer make contributions.

  • CODE Visa Debit Card
  • CODE HSA Checks
  • Access24 - 24/7 online internet banking
  • PAT - Personal Audio Teller - available 24/7
  • Mobile banking - Access your account via mobile phone or tablet
  • Earn dividends on balances of $500 or more
  • No monthly or annual service fee
  • 12 month HSA certificate with $1000 minimum deposit
Learn more



Savings

Share Savings

Your minimum $5.00 balance in this account is your share of the credit union

  • Earn a high quarterly dividend rate with a low minimum balance requirement.
  • Deposit funds by direct deposit or payroll deduction.
  • 24/7 access with a CODE ATM card.
  • FREE Access24 Internet Banking
  • Call to check your balance or transfer funds with PAT, CODE’s Personal Audio Teller

Money Market

This account is designed for members who keep more than $2,000 in a savings account and would like the potential to earn more interest.

  • Use this account as a checking account and conveniently make withdrawals with free select style checks.
  • FREE Access24 Internet Banking. Learn More.
  • 24/7 access with a CODE Visa® Debit Card.
  • Mobile Banking for access to your accounts from anywhere you are. Learn More.
  • Access 360 – Account aggregation and budgeting tool. Learn More.
  • A minimum balance of $2,000 is required.

Premier Money Market

A higher balance is rewarded with a premium dividend on this account.

  • Use this account as a checking account and conveniently make withdrawals with free select style checks.
  • FREE Access24 Internet Banking. Learn More.
  • 24/7 access with a CODE Visa® Debit Card.
  • Mobile Banking for access to your accounts from anywhere you are. Learn More.
  • Access 360 – Account aggregation and budgeting tool. Learn More.
  • Withdrawals are limited to 6 per month.
  • A minimum balance of $10,000 is required.

Certificates of Deposit

Certificates - Invest in high rate CODE Certificates with flexible terms ranging from 6 to 48 months.

IRA's

Secure your financial future with a high rate CODE Traditional, Roth or Coverdell IRA.

CODE IRAs are insured up to $250,000 so you can roll over funds from pension plans, 401(k) or other financial institutions and have peace of mind knowing your funds are safe and secure.

  • With a $500 minimum deposit you can open an IRA Certificate offering a variety of terms to meet your needs.
  • Or, open a no-minimum-deposit Accumulator IRA and enjoy the ease of making contributions through payroll deduction or cash deposits.
  • There are no service fees to start or maintain the IRA Certificate or the Accumulator IRA.

Click here for rates.

Club Accounts

Save money for Christmas, vacation, or any reason, and earn a great quarterly dividend rate.

Start your Christmas savings anytime of the year with funds available the first week of November.

Just $10 per week adds up to about $500 a year.

Click here for rates.

Youth Accounts

CODE members from newborn up to age 18 earn the same quarterly dividend rate on this account as a Share Savings account but with no minimum balance requirement.

COOL Kids

The COOL Kids Club is for kids ages 12 and under. Kids enjoy member benefits and learn about saving.

  • Earn quarterly dividends.
  • Share this account online with a parent account to allow for easy transfers and balance checks.
  • FREE Access24 Internet Banking
  • Call to check your balance or transfer funds with PAT, CODE’s Personal Audio Teller

YES! Club

The YES! Club is for kids 13-18. Students in the YES! Club are eligible to apply for CODE's annual $500 scholarship.

  • Earn quarterly dividends.
  • Share this account online with a parent account to allow for easy transfers and balance checks.
  • FREE Access24 Internet Banking
  • Call to check your balance or transfer funds with PAT, CODE’s Personal Audio Teller
  • Students over 16 can have a checking account if a parent signs with them.
  • Students over 16 can have a Visa debit card if a parent signs with them.

Youth Certificates of Deposit

Cool Kids of CODE and YES Club members are eligible to obtain a youth certificate in their name.

  • A minimum deposit of $250.00 is required to open the certificate.
  • Added deposits of $100.00 can be made during the term.
  • The youth certificate has a term of 24 months, with the maturity date being no later than the year the member turns 18.