Loan Accounts

CODE's wide variety of loans and VISA credit cards feature competitive rates and flexible terms, with no prepayment penalty. Check out our low Loan Rates, calculate your payment using our Loan Calculators, or call us at 937-222-8971 for more information on these popular products:

Vehicle Loans - CODE offers 100% fixed or variable rate financing on new car loans with terms up to 84 months for qualified borrowers. CODE will finance up to the retail NADA book value on used car loans for qualified borrowers.

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Look for this sign in all CODE Credit Union approved Dealerships.

Boat/RV/Motorcycle Loans/Personal Watercraft - CODE offers a wide range of terms and low competitive rates on a new boat, RV, motorcycle or personal watercraft loan.

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Education Advantage Loans (EAL)


The Education Advantage Loan (EAL) is a line of credit designed for college students who need to fill the gap Federal Student Loans, grants and savings do not cover.  Once approved, borrow up to your limit as you need it for school expenses. 

  • You, the student, have your name on the loan.  This way you start establishing credit. (A qualified cosigner may be required.)
  • Defer your first payment for up to 3 months while you settle in to college.

What do you need an EAL for?

  • Tuition
  • Books and Supplies
  • Computer and Equipment
  • Room and Board
  • Personal Expenses

Stop in and speak to a financial service representative today.
For more information about student loans please visit our Student Lending Resource page.


Personal Loans

Signature Loan - A competitive rate, unsecured loan for any reason.

Shared Secured Loan - Use your CODE Share Savings or Certificate to secure a lower fixed rate loan.

  Apply Online



Enjoy the convenience and security that a low rate CODE Visa provides. Use your card for purchases and organize expenses on one statement with one easy-to-handle payment. View, manage and pay your CODE Credit Card online FREE with Cardview Online on Access24. Apply now for your CODE Credit Card!

VISA Simple - New! Visa Simple - Enjoy CODE's lowest rate with no frills or complications. This card features a great, low rate, no annual fee and no balance transfer fees. Apply now, transfer that higher rate balance and start saving today!

Visa Gold - The CODE Visa Gold Card has no annual fee and the same low rate for cash advances as purchases. Other benefits include auto rental insurance, travel assistance, emergency assistance, emergency card and cash replacement, and up to $500,000 in FREE travel accident insurance. CODE Visa Credit Cards also come with fraud protection including a zero liability policy.* If your card is ever lost or stolen, you're not responsible for the purchase you didn't make.

Visa Platinum - Enjoy a low rate, a minimum $5,000 credit line and the same great benefits as the CODE Visa Gold. Plus, have year-round, 24 hour, 7 days a week preferential customer service; concierge service providing you with hotel and restaurant information; referrals and reservations along with up to $1,000,000 in FREE travel accident insurance.

Secured Visa - Establish credit by securing this account with your CODE Share Savings. First-time credit borrowers, college students, teens and those that want a fresh start can all benefit from this competitive rate, low annual fee card.

Uchoose Rewards - Earn one (1) point for every two ($2) dollars charged on eligible net purchases made with your CODE Credit Union Visa Gold Card.  Earn one (1) point for every one ($1) dollar charged on eligible net purchases made with your CODE Credit Union Visa Platinum Card. Please visit  Uchoose Rewards for more information on rewards, travel, merchandise and gift cards.

*Visa's Zero Liability policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa or certain commercial card transactions. Cardholder must notify card issuer promptly of any unauthorized use. Consult issuer for additional details or visit

Payment Protection Plan

The Payment Protection Plan is made up of two separate coverages:

Life Protection is designed to pay off your loan in the event of death.  Life Protection is available to the borrower as single coverage and for both the borrower and co-borrower as joint coverage.

Disability Protection is designed to make your monthly payments if you are ill or injured, under doctor's care and unable to work for more than 14-days.  Coverage starts on the 15th day.  Disability protection is available only to the borrower as single coverage.

Guaranteed Asset Protection (GAP)

GAP - If your vehicle is totaled or stolen, your insurance settlement will be based on the vehicle's actual cash value, not the outstanding loan balance. This may create a deficiency balance or "gap." Now you can protect your vehicle investment with GAP. GAP is designed to eliminate your unpaid net loan balance in the event your vehicle is stolen or damaged beyond repair (totaled).

Ask a CODE Financial Service Representative for more information about the Payment Protection Plan and GAP.