Looking to buy a vehicle or lower your current payment? CODE Credit Union is offering a limited-time auto loan promotion designed to make financing simple and more affordable. Whether you’re purchasing a new or used vehicle or refinancing from another lender, this is a great opportunity to save.
Members can take advantage of 2% cash back (up to $500)2, no payments for 90 days3, and rates as low as 5.24% APR1. With extra cash back in your pocket and a break from payments upfront, you’ll have more flexibility while keeping your monthly budget on track.
Our team is here to guide you through the process and help you find the best option for your needs. Apply today or stop in to get started and see how much you could save with CODE Credit Union.
15.24% APR is based on new and used vehicles financed up to 63 months with qualified credit. Go to codecu.org for more rate information.
2Cash back reward will be 2.00% of the loan proceeds up to a maximum of $500. Refinanced loans must be transferred from another institution to qualify for the cash back reward. Also required to receive this offer: direct deposit of at least $500 per month and automatic payment from a CODE deposit account. The cash back reward will be deposited into the member’s share account once the direct deposit and automatic payment are verified. The cash back reward may be reported on IRS form 1099-INT. Offer excludes the refinancing of existing CODE Credit Union loans and loans closed at dealerships. Limited time offer. Subject to change without notice.
3No Payment for 90 days is available for new and used auto loans of $5,000 or more, closed beginning April 1, 2026. Interest will continue to accrue from the time the loan is disbursed. The first payment will be 90 days from the closing date or July 20, 2026, whichever comes first. Offer excludes motorcycles or refinancing of existing CODE Credit Union loans.
💵 CODE Credit Union “Choose Your Bonus” Checking Promotion
Get up to $400 when you open a Cash Back or Smart Saver Checking account.*
We’re rewarding you for switching to a better banking experience. Open a new qualifying CODE Credit Union checking account and choose how you want to be rewarded—with up to $400 in cash!*
🟢 Two great checking accounts. One powerful bonus.
From now until 6/30/26, new members can receive up to $400 when they open one of our most popular checking accounts.*
💡 Smart Saver Checking — Save effortlessly + $300 Cash Bonus*
Start saving automatically with Smart Saver Checking. Every debit card purchase rounds up to the nearest dollar and deposits the change into your Smart Saver Share savings account—an easy way to build savings over time.
Receive an extra $300 when you:
- Open a Smart Saver Checking account by 6/30/26
- Enroll in eStatements
- Obtain a CODE Credit Union Visa debit card
- Set up and receive direct deposits totaling $500 or more within 60 days
- Complete 15 Debit Card transactions within the first 30 days
Smart Saver perks include:
- No minimum balance
- No monthly fee with eStatements¹
- Overdraft forgiveness up to $35²
- Round-up savings on every debit card transaction³
- Learn more about Smart Saver checking HERE
💰 Cash Back Checking — Spend smarter + $400 Cash Bonus*
Earn rewards every time you spend. With Cash Back Checking, you’ll receive 2% cash back on your debit card purchases, up to $15 per month—that’s up to $180 a year just for using your card.
Receive an extra $400 when you:
- Open a Cash Back Checking account by 6/30/26
- Enroll in eStatements
- Obtain a CODE Credit Union Visa debit card
- Complete 15 Debit Card transactions within the first 30 days
- Set up and receive direct deposits totaling $1,000 or more within 60 days
Cash Back Checking benefits include:
- 2% cash back on debit card purchases (up to $15/month)⁴
- ATM fee waivers
- No monthly fee with eStatements + $1,000 balance⁵
- Learn more about Cash Back checking HERE
🚀 Ready to Claim Your $400?
Join the credit union that puts you first. Choose your account and start earning today—with service available in Spanish.
[🔓 Open a Smart Saver Checking Account]
[💸 Open a Cash Back Checking Account]
*To receive a $400 cash bonus, open a new Cash Back Checking account with select services (enrollment in estatements, 15 debit card transactions within the first 30 days after account opening and direct deposits totaling at least $1,000 within the first 60 days of account opening) by June 30, 2026. To receive a $300 cash bonus, open a new Smart Saver Checking account with select services (enrollment in estatements, 15 debit card transactions within the first 30 days after account opening and direct deposits totaling at least $500 within the first 60 days of account opening) by June 30, 2026. The applicable cash bonus will be deposited upon verification of select services and will occur within 90 days of account opening. Offer valid for new checking accounts only. Member will be presented an enrollment form during the online account opening process to complete in order to receive the cash bonus. Must not have had a previous checking account with CODE Credit Union within the last 12months. Limit one promotional bonus per member. Bonus may be reported on IRS Form 1099-INT. CODE Credit Union reserves the right to modify or terminate this offer at any time.
1 Paper statement charge of $5.00 will apply if not enrolled in eStatements.
2Smart Saver account holders who are enrolled in Overdraft Privilege are eligible to have overdraft forgiveness up to $35 without being charged an overdraft fee. This means that if your Smart Saver Checking account available balance is overdrawn by $35 or less at the time of posting, your item(s) will be paid and you will not be charged an overdraft fee for those transactions. If the balance is overdrawn by $35.01 or more, standard fees and procedures apply.
3 A Smart Saver Share account is required to participate in the debit round up feature.
4 If Cash Back Qualifications are met, earn 2% Cash Back up to $15 per month. Account transactions and activities may take one or more days to post to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by the credit union as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued by CODE Credit Union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. “Monthly Qualification Cycle” means a period beginning on the first business day of the month through the last day of the month. Reward Information: When Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive (1) 2.00% cash back on up to a total of $750 signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $15.00 cash back may be earned per Monthly Qualification Cycle. When Cash Back qualifications are not met, no cash back payments are made. Cash back payments will be credited to your Cash Back account on the last day of the current statement cycle. Rates and rewards are variable and may change after account is opened.
5Paper statement charge of $5.00 will apply if not enrolled in eStatements. Average daily balance of $1,000 is required to avoid a $5 per month service fee.
Hit the Open Road with a Motorcycle Loan from CODE!
Spring is here, and it’s the perfect time to trade in the daily grind for the thrill of the ride. Whether you’re looking to cruise through town, tackle weekend adventures with friends, or just enjoy the freedom of the open road, CODE Credit Union can help you get there with a low-rate motorcycle loan.
Take advantage of rates as low as 6.84% APR* and flexible financing options that make owning the bike of your dreams easier than ever. Whether you’re buying new or used, or even refinancing your current motorcycle loan, CODE has options designed to fit your needs and your budget.
Why finance your motorcycle with CODE?
- Competitive rates as low as 6.84% APR*
- Finance up to 115% of the NADA value**
- Terms up to 84 months for new motorcycles and up to 72 months for used motorcycles
- Quick approvals and a smooth application process
Don’t wait to start your next adventure. With CODE’s motorcycle loans, you can get on the road faster, enjoy extra flexibility, and take advantage of a financing plan that works for you.
📲 Apply online today at codecu.org or call (937) 222-8971 to speak with a Financial Services Representative and learn more about your options.
Ride into spring with confidence, style, and savings—your next motorcycle is waiting!
*6.84% Annual Percentage Rate applies to 2025 and newer motorcycles up to 63 month term. Subject to credit qualifications and verification of asset value.
**No payment for 60 days is available for new and used motorcycle loans closed beginning May 1, 2026. Interest will continue to accrue from the time the loan is disbursed. The first payment will be 60 days from the closing date or July 30th, 2026, whichever comes first. Offer excludes refinancing of existing CODE Credit Union loans.
Open a CODE Visa® Credit Card and Enter to Win $250!
Spring is the perfect time to refresh your finances—and your home! This April, when you open a new CODE Visa® credit card, you’ll automatically be entered into a drawing to win a $250 Kroger® gift card*. Stock up on groceries, treat yourself, or fund your spring projects—the choice is yours!
With a CODE Visa, you get more than just entry into this drawing:
• Rates as low as 9.75% APR^
• Convenience & Security: Shop online or in-store with confidence.
• Flexible Payment Options: Enjoy the freedom to pay your way.
Plus, once your card arrives, spring projects pay off even more! Use your new CODE Visa to take advantage of our Home Improvement Cash Back Promo, earning cash back on purchases at home improvement stores between April 1 and May 31, 2026. Learn more HERE.
How to Get Started:
1. Apply for your CODE Visa credit card online—it’s fast, secure, and approval is quick.
2. Receive your card and automatically be entered into the $250 Kroger gift card drawing.
3. Use your card for everyday purchases and spring home projects to earn cash back.
4. Add your card to your digital wallet for easy access.
*All Visa credit cards opened between April 1, 2026 and May 31, 2026, will be included in the drawing to win a $250 Kroger gift card. The drawing will be held the second week in June, 2026.
^Rates are subject to credit qualifications and may change without notice. Visit www.codecu.org/rates for current rate information.
This spring, home improvement can pay off with CASH BACK on qualifying CODE Visa® credit card purchases!* Nothing makes spring projects more rewarding than earning CASH BACK while you refresh your landscaping, remodel your home, upgrade appliances, and more. Be sure to use your CODE Visa credit card as you shop at home improvement stores this season—you could earn CASH BACK on every qualifying purchase. View a list of qualifying merchants. Earn up to $50 cash back when you make home improvement purchases with your CODE Visa credit card between April 1 and May 31, 2026. That’s two months to rack up your rewards!
•Spend at least $1,000 … Earn a $25 reward*
•Spend at least $2,500 … Earn a $50 reward*
Don’t have a CODE Visa credit card yet? Apply Online Now! The application is simple and secure, and approval times are quick. Receive your card and start earning a cash back reward on your home improvement purchases this spring!
*Rebate is awarded based on total home improvement purchases made during the promotional period of 4/1/26 through 5/31/26. A$25 rebate will be issued to cardholders who complete $1,000 or more in total qualified purchases or $50 rebate will be issued to cardholders who complete $2,500 or more in total qualified purchases. Limit one rebate per card account for a maximum rebate of$50. Accounts must be in good standing to receive rebate. Financial Institution shall determine which purchases qualify and will not be responsible for merchant misclassifications. Eligible merchant categories include: home supply, hardware, lumber and building materials, appliances, furniture, lawn and garden, masonry, insulation, roofing, siding, artist supply stores, drapery, upholstery, fireplace, floor covering, swimming pool supplies and service, air conditioning, electrical, discount stores, general merchandise, paint, varnish and stain, wallpaper, concrete, electrical, general contractors, specialty cleaning and sanitation. Cash advances, balance transfers, fees, and finance charges are not considered qualifying purchases. Click here for a full listing of qualifying merchant category codes and descriptions. This offer expires 5/31/26. Appropriate rebate credit will automatically be posted to your share account within 30 days after the promotion end date and is non-transferable.
Get ready to hit the road or the water with a new RV or boat! Whether you’re planning road trips, weekends at the lake, or outdoor adventures with family and friends, CODE can help you make it happen with a great rate on a camper, boat, or RV loan.
For a limited time, rates are as low as 6.74% APR* with an added benefit of NO PAYMENT FOR 60 DAYS!^ That’s right — you won’t have to make a payment until June 30, 2026. Act now before rates go up.
CODE’s Recreational Vehicle Loans feature:
•Special rate as low as 6.74% APR*
•Fast approvals
•Finance up to 100%
•Terms up to 180 months
Apply Online at codecu.org or call (937) 222-8971 to speak with a Financial Services Representative.
*6.74% Annual Percentage Rate (APR) valid on new RV and boat loans 2025 and newer, 60 month term, qualified credit, and pre-approval.
^No payment for 60 days is available for new and used RV, camper and boat loans closed beginning April 1, 2026. Interest will continue to accrue from the time the loan is disbursed. The first payment will be 60 days from the closing date or June 30, 2026, whichever comes first. Offer excludes motorcycles or refinancing of existing CODE Credit Union loans.
A Gift From Your Home — No Closing Costs
You’ve put time, care, and commitment into your home — and that effort may have created a valuable gift waiting to be unwrapped. Turn your home’s equity into a powerful financial tool with No Closing Costs^ on Home Equity Loans from CODE Credit Union.
Whether you’re planning home improvements, consolidating higher-interest debt, or preparing for what’s next, your home’s equity can help you move forward with confidence in 2026.
Unwrap Smart Savings
- NO CLOSING COSTS^
- Rates as low as 5.99% APR* — a smart way to put your equity to work
Smart Ways to Turn Equity Into Opportunity
- Consolidate high-interest debt and simplify monthly payments
- Fund home improvements you’ve been putting off
- Cover major expenses with a lower rate
- Invest in projects that add long-term value to your home
Popular Projects You Could Start Today
- Kitchen or bathroom updates
- Energy-efficient upgrades
- Home office improvements
- Repairs and updates to boost comfort and value
Getting started is simple. Apply online, get approved quickly, and access your funds with ease.
Apply online now, visit any CODE branch or call (937) 222-8971 to speak with a knowledgeable loan officer.
Not a CODE Member Yet?
You don’t have to be a member to take advantage of this offer. If you live, work, worship, or attend school in our service area, you may be eligible to join CODE Credit Union and unlock the value in your home.
Becoming a member is simple — and once you join, you can take advantage of No Closing Costs^ and special rates as low as 5.99% APR* on Home Equity Loans.
Get started at codecu.org or call (937) 222-8971 to speak with a loan officer.
* 5.99% APR applies to closed end home equity loans only and is subject to credit qualifications. Maximum loan to value is 80% and the maximum loan term is 120 months. Limited time offer. May change without notice. Offer does not apply to the refinancing of existing CODE Credit Union Home Equity Loans or Lines of Credit.
^ Home Equity Loans or Lines of Credit of $5,000 or more and closed by May 30th, 2026, are eligible for no closing costs. If the loan is paid off within 180 days of opening date, closing costs will be assessed. 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. Offer does not apply to the refinancing of existing CODE Credit Union Home Equity Loans or Lines of Credit. Offer applies to owner occupied, single family residences only.
Start Your Child on the Path to Financial Success with CODE’s Cool Kids Account! OPEN AN ACCOUNT ONLINE TODAY AND RECEIVE A COOL KIDS PIGGY BANK!
It’s never too early to teach your kids the value of saving! With CODE’s Cool Kids Account, you can help your child start on the right financial path today. Whether it’s from an allowance, a birthday check from Nana, or a little extra pocket money, it’s important to show them how to manage it wisely.
Special Offer: For a limited time, when you open a Cool Kids Account, your child will receive a Cool Kids branded piggy bank—a fun way to encourage saving from day one!
Cool Kids Account Features:
•For members age 12 and under
•$5 to open, no additional deposit required
•No service fees
•Earn quarterly dividends
•FREE Access24 Internet Banking + mobile banking
•Thousands of surcharge-free ATMs nationwide
•Share the account with a parent for easy transfers and balance checks
Fun Benefits Include:
•Membership Card
•Reach into the money bag on your birthday!
•Bring in your report card and receive $1 for each top grade (“A” or equivalent, must be from the current school quarter)
•Eligible for CODE’s Youth Certificate of Deposit
Help your child learn to manage money, save for the future, and start building good financial habits
from a young age. Because when it comes to financial education, it’s never too early to start!
Ready to get started? Open an account online now, stop into a branch, or call 937-222-8971 to talk with a Financial Services Representative today.
Build Your Future with Homeownership
Your home isn’t just where you live — it’s where your wealth grows.
Owning a home does more than give you a place to call your own. It creates stability, equity, and long-term financial growth for you and your family.
When you own your home:
- Your monthly payment helps build equity instead of paying someone else’s mortgage
• Your home may increase in value over time, building wealth through appreciation
• You gain stability and predictability in your housing costs - You gain security and freedom that comes with owning your own space
- You gain access to equity through loans or lines of credit
• You may receive tax advantages through mortgage interest deductions*
*consult a tax advisor
Want to see if buying a home is right for you? Rent Vs Buy
Thinking About Buying a Home?
Many buyers are surprised to learn they may qualify sooner than expected.
Typical mortgage credit guidelines:
760+ Credit Score
Best rates and significant long-term savings
700–759
Very competitive rates and strong approval odds
660–699
Still a solid range for many mortgage options
620+
Minimum for many conventional and FHA loans
Need help improving your credit score? Check out this resource- Repairing Credit
Saving for a Down Payment
One of the biggest questions future homeowners have is: “How much do I need to save?”
The good news — you may not need as much as you think. Many loan programs offer low down payment options, and some buyers may even qualify for assistance programs.
A down payment can help:
• Lower your monthly mortgage payment
- Help you avoid paying private mortgage insurance
• Reduce the amount of interest you pay over time
• Strengthen your overall loan application
Not sure where to start? Even small, consistent savings can add up faster than expected. Open a savings account today.
Want to see what’s possible based on your budget?
Visit https://codecu.banzai.org/wellness/resources/mortgage-affordability-calculator to take advantage of our Mortgage Affordability Calculator and explore what you can comfortably afford before you start shopping!
Mortgage Options Available
Solutions for many types of buyers, including:
- Conventional Mortgages
• FHA Loans
• VA Loans
• First-Time Buyer Programs
Find out what type is right for you here.
Click HERE for a list of what you will need for our Mortgage Application.
Start Your Homeownership Journey Today
Whether you’re buying your first home, refinancing, or planning ahead, we’re here to help.
📍 Talk with a mortgage specialist- 937-222-8971
📞 Get pre-qualified today- https://codecu.mycu4mortgages.com/