Plan for What Matters Most
Estate planning is now available through CODE Credit Union and Legal Karma
Planning for the future is one way to care for the people who matter most. CODE Credit Union has partnered with Legal Karma to offer a way to create important estate planning documents at your own pace with support from Legal Karma every step of the way.
For a limited time, save 30% off your total cost when you choose a Legal Karma estate planning package.
What can you plan for?
- A will to document how you want your assets distributed and name guardians for minor children.
- A revocable living trust to help plan how assets will be managed and passed on.
- A financial power of attorney to name someone you trust to handle financial matters if you cannot.
- An advance healthcare directive to record your care preferences and name someone to make healthcare decisions for you.
- A HIPAA authorization to identify who may access your medical information.
The documents included depend on the package you choose.
Get started at your own pace
Choose a package, answer guided questions online, and review your documents before following the signing instructions. Legal Karma support is available along the way.
Get started HERE.
Start planning today and save 30% between now and October 31, 2026. Set up a free consultation by clicking HERE.
Estate planning services are provided by Legal Karma. Neither Legal Karma nor CODE Credit Union provides legal advice. Consult a qualified attorney for advice about your individual situation. The 30% offer applies from 10/1/26 through 10/31/26. Use CODE-30 at checkout to take advantage of the promotional pricing.
Fall Into a New Ride. Get $200 for the Road.*
Fuel costs are high — we’re here to help.
Shopping for a new or used vehicle? Looking to refinance an auto loan from another financial institution? Apply directly with CODE this October. A qualifying auto loan comes with a $200 gas card to help offset rising fuel costs and keep you moving forward.
It’s our way of helping members stay on the road with confidence while enjoying a great rate and a smoother monthly payment.
Explore CODE’s auto loan rates.
*To qualify for the $200 gas card, members must obtain an auto loan of $10,000 or more, between 10/1/26 and 10/31/26, have a monthly direct deposit of at least $500 into a CODE Credit Union share or draft account, and have monthly loan payments automatically debited from that account. Loans closed at dealerships and refinances of existing CODE Credit Union loans are excluded. Member will be presented an enrollment form during the loan closing process to complete in order to receive the gas card. The gas card bonus will be awarded upon verification of direct deposit and automatic payment requirements and will occur within 60 days of account/loan opening. The value of the gas card may be reported on IRS form 1099-INT. Rates are based on credit qualifications and are subject to change without notice.
Make More of Home This Fall
No Closing Costs^ on Home Equity Loans | Rates as low as 5.99% APR*
Fall is a great time to tackle the plans you’ve been putting off. With a home equity loan from CODE Credit Union, you can use the equity you’ve built to make improvements, consolidate higher-interest debt, finance a new auto purchase or cover a major expense.
Put Your Equity to Work
- Get ready for colder weather with repairs or energy-efficient upgrades.
- Refresh your space with a kitchen, bathroom, or home office project.
- Simplify your finances by combining qualifying debts into one monthly payment.
- Plan for what’s next with a fixed-rate loan and a payment you can budget for.
With no closing costs^ and rates as low as 5.99% APR*, this could be the season to move your plans forward.
Get Started with CODE
Apply online, visit a CODE branch, or call (937) 222-8971 to talk through your options with a loan officer.
Not a CODE member? If you live, work, worship, or attend school in CODE’s service area, you may be eligible to join.
*Home Equity Loans or Lines of Credit of $5,000 or more and closed by October 31st, 2026, are eligible for no closing costs. If the loan is paid off within 180 days of opening date, closing costs will be assessed. To qualify, the maximum loan to value is 80% and the maximum loan term is 120 months. 5.99% APR is based on current rates and credit qualifications and is subject to change without notice.
^No Closing Costs is based on using the Automated Valuation Model (AVM) in lieu of obtaining a full appraisal. If a full appraisal is required, additional costs may apply.
🍂 Fall Into the Right CODE Visa® Credit Card
As the leaves change, it may be a good time to take a fresh look at the credit card in your wallet. Whether you’re looking for a low rate, rewards, a way to build credit, or a card for your business, CODE Credit Union has a Visa option to fit your needs.
Choose the CODE Visa that’s right for you:
Visa Simple
Enjoy a low-rate credit card with no annual fee, 0% interest for 6 months on purchases.1 Just straightforward credit when you need it.
Visa Platinum
Earn 1 point for every $1 spent on eligible net purchases while enjoying a competitive rate and no annual fee.2
Visa Gold
Earn 1 point for every $2 spent on eligible net purchases, plus a competitive rate and no annual fee.2
Secured Visa
Working to establish or rebuild credit? A CODE Secured Visa can provide a convenient way to build positive credit habits.
Visa Business
Give your business added purchasing flexibility with a low-rate Visa designed for business needs.
A Card for Every Season
No matter what fall brings, a CODE Visa can give you convenient access to credit while providing benefits designed around your needs.
🍁 PLUS! Apply for and receive any new CODE Visa Credit Card during October and you’ll be automatically entered for a chance to WIN one of TWO $100 statement credits!4
Don’t forget about our balance transfer promo with 0% interest for 12 months on purchases and NO balance transfer fee!3
📞 Call us at (937) 222-8971 or apply online today.
Fall into savings. Fall into rewards. Fall into CODE.
*10.00% APR (Annual Percentage Rate) pertains to the Simple Visa and is a variable rate based on the Wall Street Journal prime rate and subject to change without notice. Visit www.codecu.org/rates for current rate information.
1Approval is subject to credit qualifications.
2Earn 1 point for every $2 dollars charged on eligible net purchases made with your CODE Credit Union Visa Gold Card. Earn 1 point for every $1 dollar charged on eligible net purchases made with your CODE Credit Union Visa Platinum Card. Visit CURewards for more information on rewards, travel, merchandise, and cash back.
3o% offer applies to balances transferred between 9/1/26 and 10/30/26. Purchases and previous card balances are subject to the current interest rate of the respective card program. Offer does not apply to the refinancing of existing CODE Credit Union debt. For current rates, go to codecu.org/rates. Limited time offer. Subject to change without notice. Offer subject to change without notice. Offer does not apply to current CODE Credit Union Visa cardholders.
4During October 2026, anyone over the age of 18 that applies for and receives any new CODE Credit Union Visa Credit Card, will be automatically entered into a drawing to win 1 of 2 $100 statement credits. The 2 winners will be randomly chosen and notified in December 2026.
Is this deal for real? Yes, it is! Apply for a new CODE Visa® Simple Credit Card today and save money by using this low-rate card to make all your purchases this fall.
Here’s One Good Reason After Another to do all your shopping with a CODE Visa:
- Easy, online application with FAST approvals.1
- This LOW-RATE card has no annual fee.
- NO Balance transfer fee. Transfer a balance from a higher rate card today and begin saving immediately.
- Pay 0% interest for 6 months on purchases2
- Add your card to your digital wallet for effortless access.
1Approval is subject to credit qualifications.
20% interest for 6 months is an introductory rate on purchases for NEW Visa Simple credit cards. Once the 6 months is over, the Annual Percentage Rate (APR) is a variable rate and is based on the Wall Street Journal prime rate. For current rates, go to codecu.org/rates. Offer subject to change without notice. Offer does not apply to current CODE Credit Union Visa cardholders.
Take Control of Your Finances This Fall—with CODE!
Did back-to-school shopping or summer vacation leave your budget feeling stretched? A CODE Credit Union Visa® Credit Card can help you regain control with 0% APR on balance transfers for 12 months—and no balance transfer fee!*
Transfer qualifying high-rate balances to CODE and enjoy a full year at 0% interest without having to pay a balance transfer fee.
Why Transfer Your Balance This September?
📚 Manage Back-to-School Expenses
Consolidate expenses from school supplies, clothing, technology, activity fees, and more into one manageable payment.
🍁 Get Ahead Before the Holidays
Start paying down existing balances now and create more breathing room in your budget before holiday spending begins.
📅 Give Yourself More Time
Enjoy 12 months of 0% introductory APR on balance transfers while working toward your financial goals.
💡 Simplify Your Finances
Whether you’re recovering from summer spending or managing multiple payments, a balance transfer can help you start fresh this fall.
Already Have a CODE Visa?
Transfer a balance through Access 24 Online Banking:
- Log in to Access 24.
- Select CODE Visa Online.
- Choose Balance Transfer.
For personal assistance, call 937-222-8971 to speak with a Member Services Representative.
Transfer Your Balance Today
This limited-time offer ends October 30th, 2026. Make your move to a CODE Visa and start building a stronger financial future.
*0% introductory APR offer applies to balances transferred between 9/1/26 and 10/30/26. Purchases and previous card balances are subject to the current interest rate of the respective card program. Offer does not apply to the refinancing of existing CODE Credit Union debt. For current rates, visit codecu.org/rates. Limited-time offer. Subject to change without notice.
CODE’s Health Savings Accounts (HSAs) are a convenient way to save for current or future medical expenses. Available to those with High Deductible Health Plans (HDHP), HSAs are an extra safety net into which you and your employer can make contributions. Payroll deduction contributions are pre-taxed. Dividends earned are tax-free. Funds can be used for many types of medical expenses. Learn More.
With an HSA from CODE, you receive:
- a .50% APY dividend rate^
- CODE Visa® HSA Debit Card
- ATM access for cash withdrawals
- FREE Online and Mobile Banking
- PAT – Personal Audio Teller – call anytime, 24/7
- e-Statements to review your monthly HSA activity
- Conveniently open your account online with our easy online application
- Access to certified Health Savings Professionals on staff at CODE to help with your questions or concerns
GOING ON NOW … open a Health Savings Account during the remainder of 2026 and have a chance to WIN a $100 Visa® Gift Card!*
*All Health Savings Accounts opened between 10/1/26 and 12/31/26 will automatically be entered into a drawing for a $100 Visa gift card. The winner will be notified within the first two weeks of January 2027. ^Rates are subject to change without notice.
Turn Over a New Leaf with CODE Credit Union
One loan. One payment. Less stress.
If credit card balances and multiple loan payments are weighing you down, a CODE personal loan can help you consolidate eligible debts into one monthly payment. Depending on your current rates and loan terms, you may also save on interest.
A simpler way forward:
- Rates as low as 7.99% APR* for a limited time
- Borrow up to $5,000
- Repayment terms up to 60 months
- Fast, local lending decisions
- A simple application process
Need more than $5,000? Explore our other personal loan rates.
Ready to turn over a new leaf? Apply today.
*APR = Annual Percentage Rate. Rates are based on credit and income qualifications and are subject to change without notice. Maximum loan amount is $5,000 and maximum repayment term is 60 months. Additional terms and conditions may apply.
Deposit checks from your office. Get back to business.
Trips to deposit checks and time spent managing payments add up. CODE Credit Union’s cash management services can help you handle more of that work from your office.
Enroll by October 30th, 2026, and receive six months of waived fees, a free standard check scanner with Remote Deposit Capture, and one-on-one setup support.*
Make fewer trips to the branch. With Remote Deposit Capture, you can scan and deposit multiple checks from your office.
Spend less time handling payments. With ACH Origination, you can pay vendors and employees or collect customer payments electronically.
Whether you’re interested in one service or both, a member of CODE’s business team can help you find a setup that fits your business.
- Business Checking options for every size of business (LEARN MORE)
• Business VISA Credit Cards with no annual fee and competitive rates
• Fixed loans and lines of credit to support your business growth
Learn more about CODE’s Business Checking or contact us for loan rate information.
Join the Early Access List Today
Click HERE to complete our form and a business development representative will contact you.
*Free scanner refers to a standard check scanner provided at enrollment. Advanced models may incur an additional cost. Offer subject to availability and may change without notice.
More Room. More Flexibility.
Life changes, and sometimes your financial needs change with it. If your current credit line no longer gives you the flexibility you need, it may be time to see if you qualify for an increase.
Whether you’re looking for more purchasing power or additional access to funds, CODE Credit Union may be able to help you get more room when you need it.
Explore Your Options
CODE Visa® Credit Cards
Need a little more room for everyday purchases, larger expenses or unexpected costs? You may qualify for a higher credit limit on your CODE Visa® Credit Card. Apply for an increase.
Ready Cash Line of Credit
Having additional available credit can provide flexibility when expenses come up. If you’d like to increase your Ready Cash Line of Credit or apply for a Ready Cash Line of Credit, click HERE.
Home Equity Lines of Credit
If your home’s equity has grown or your financial needs have changed, you may have an opportunity to increase your available credit. A Home Equity Line of Credit is a great way to consolidate debt or make a large purchase while keeping the interest rate low. Apply Now.
Ready for More Flexibility?
If you already have a qualifying CODE credit product, talk with us about whether a credit line increase may be right for you. Stop by a branch, give us a call at 937-222-8971 or apply online today to get started.
Credit line increases are subject to credit approval and applicable terms and conditions. Additional eligibility requirements may apply.
Financial Services Made Clear — Here to Help, In Spanish
Managing your money should feel simple, not confusing. At CODE Credit Union, we’re supporting you whenever you need it!
Whether you’re opening an account, applying for a loan, building savings, or preparing for unexpected expenses, you’ll receive information you understand and service you can trust—every step of the way.
Visit a Branch & Give It a Try!
Stop by any CODE Credit Union branch and experience our Spanish translation tablets, designed to help make conversations with our team easier and more comfortable.
While you’re there, take a Spin on the Wheel for your chance to win up to $50! It’s a fun way to celebrate your visit while learning more about the financial products and services available to you.
Who We Are
CODE Credit Union is a member-owned, community-focused financial institution. We serve individuals and families by providing straightforward financial solutions, personal support, and a commitment to helping you succeed.
We believe everyone deserves access to clear, honest financial services—no matter their background or experience with the U.S. financial system.
What Is a Credit Union?
A credit union is different from a bank. It’s a financial cooperative owned by its members—the people who use it.
That means:
- You’re a member and an owner—not just a customer.
- Your needs come first, not profits.
- Profits are returned to members through better rates and lower fees.
- You receive more personalized, relationship-based service.
- Credit unions invest in and support their local communities.
It’s a simpler, more people-focused way to manage your money.
Why Choose CODE Credit Union?
At CODE, we focus on making your financial life easier, clearer, and more accessible.
- Spanish-Language Support – Communicate more comfortably with the help of our Spanish translation tablets available in every branch.
- Clear, Simple Guidance – No confusing terms or overwhelming processes.
- Better Value – Competitive rates and fewer fees compared to traditional banks.
- Personal Service – Real people who take the time to understand your needs.
- Community Commitment – We’re here to support the people and neighborhoods we serve.
Whether you’re just getting started or working toward long-term financial goals, we’re here to help you move forward with confidence. Learn more about banking in the U.S. HERE.
Get Started Today
Visit any CODE Credit Union branch to try our Spanish translation tablets, meet with a team member, and take a Spin on the Wheel for a chance to win up to $50!
We’re here to make banking easier, clearer, and more accessible for everyone.