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Promotions

🚀 Launch Your Brand with the Business Boost Package
Exclusively for CODE Credit Union Business Members

We’re making it easier — and more affordable — to build a professional image for your business.

Open a new business checking account with select services* or upgrade an existing business relationship by adding one of the following services, and you’ll receive a FREE branded stationery package1 — designed and printed by our trusted local partner, Print Point.

✨ Qualifying Add-Ons Include:

• Open a Business Money Market Account with at least $10,000
• Open a new Business Visa Credit Card (and earn up to $50 Cash Back2)
• Complete a Business Financial Check-Up
• Open a Business Credit Line or Loan
• Open a Business Certificate of Deposit

✨ What’s Included in Your FREE Branding Package ($300+ value):
• 500 Custom Letterheads
• 500 Branded Envelopes
• 250 Premium Business Cards

💼 Why We’re Doing This
Your business deserves to look as professional as it operates. Whether you’re just getting started or refreshing your brand, this package helps you stand out and make a strong first impression.

✅ How It Works

  1. Open a new Business Account with select services or upgrade your current CODE business relationship with one of the qualifying services above.
  2. Receive a voucher for your FREE Print Point branding package.
  3. Submit your branding assets and collaborate with Print Point’s expert design team.
  4. Get high-quality materials delivered right to your business.

📣 Limited-Time Offer — available for new or upgraded business accounts while supplies last.

📍 Visit your local CODE branch or contact Caslynn Johnston at cjohnston@codecu.org or (937) 222-8971 ext. 1125 to get started today.

*Select services include enrollment in online banking, open a debit or credit card and/or order a box of checks.

1The FREE Print Point branding package will be ordered after verification that a new checking account with select services was opened or a qualifying upgrade was made to an existing CODE business relationship.

2  The $100 statement credit will be posted when 10 purchase transactions totaling at least $2,000 are made in the first 90 days after account opening. Subject to credit approval. Offer applies to all Business Visa credit cards approved prior to September 30th, 2025.

Take Control of Your Finances This Fall—with CODE!

Did your summer adventures or back-to-school shopping leave your wallet feeling lighter? No worries—CODE Credit Union has your back. Our VISA® Credit Cards come with low rates and a 0% interest offer on balance transfers for 12 months—with no balance transfer fee!* That’s right—you pay zero interest and zero fees when you move your high-rate balances to CODE.

Why August & September Are the Perfect Time to Transfer:

📚 Back-to-School & Fall Spending
From supplies and clothes to activity fees and tech—expenses are up. A balance transfer helps consolidate summer or school-related spending and avoid high-interest charges.

💳 Summer Spending Hangover
Vacations and travel can add up. A 0% interest period gives you time to catch up—without accruing more debt.

🍁 Pre-Holiday Planning
Thinking ahead to holiday shopping? Transferring now can reduce financial stress and free up credit lines for later.

📅 Smart Payoff Strategy
Move your balance in late summer and enjoy a full 12 months of interest-free payoff—lining up perfectly with year-end financial goals.

💡 Psychological Reset
There’s something about fall—it feels like a fresh start. Use this momentum to take control and set yourself up for a stronger financial future.

 

 

Even More to Love:

Open a new CODE Simple Visa®—our lowest-rate card—in August or September 2025 and earn a $100 statement credit when you complete qualifying transactions.^

Already Have a CODE Visa?

You can transfer a balance easily in just a few clicks:

  1. Log into Access 24 Online Banking
  2. Click on CODE Visa Online
  3. Select “Balance Transfer”

Prefer personal help? Call us at 937-222-8971 and a Member Services Representative will guide you.

Apply Today and Breathe Easier This Fall

You have until September 30, 2025 to take advantage of this offer—but August and September are prime time to make the most of it.

*o% offer applies to balances transferred between 8/1/25 and 9/30/25. 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.

 

^ The $100 statement credit will be posted when 10 purchase transactions totaling at least $2,000 are made in the first 90 days after account opening. Subject to credit approval. Offer applies to all Simple, Platinum, Gold, and Business Visa credit cards approved prior to September 30th, 2025.

We’re proud to offer real-time Spanish support at our Dayton and Englewood branches — AND over the phone!

Our new AI-powered bilingual assistant helps Spanish-speaking members get fast, accurate service — no delays, no confusion.

✔️ Get clear answers to your questions
✔️ Understand account details, rates, and fees
✔️ No need to wait for a translator or bilingual employee

Whether you’re opening an account, applying for a loan, or just need help, you can feel comfortable and supported every step of the way.

Visit us at:
📍 Dayton – 355 W. Monument Ave.
📍 Englewood – 415 W. National Rd.
📞 937-222-8971 | 🌐 codecu.org

Great service. Now in Spanish!

☀️ Summer Just Got a Whole Lot Cooler

Apply for any CODE loan in July or August and you’ll have a chance to win a $250 Airbnb gift card!1🌴 Whether you’re hitting the beach or planning a cozy cabin getaway, we’ve got the loan to get you there — and possibly on us.

🚗 Auto Loan or Refinance – Get Up to $400 Cash Back2

Fuel your summer with extra cash when you finance or refinance your vehicle with CODE. Enjoy:

  • 2% cash back up to $400
  • No payments for 90 days3
  • Competitive rates you’ll want to lock in now

Apply online and make the most of your summer road trips.

🏡 Home Equity Loans & Lines – NO CLOSING COSTS4

Tackle your to-do list or dream project with the power of your home’s equity. Use your funds for:

  • Kitchen, bath, or office remodels
  • Landscaping or deck upgrades
  • Big-ticket purchases or college tuition
  • Debt consolidation or cash flow gaps

Start your application today and take the stress out of summer spending. And with No Closing Costs, it’s a no brainer.

🏠 Mortgage – Your Homebuying Partner

Buying a home this summer? Let CODE’s mortgage pros help you find the perfect fit and walk you through every step. From pre-approval to closing, we’re here to make it easy.

Apply online or call us at (937) 222-8971.

💳 Ready Ca$h – Your Backup Plan, Ready on Demand

Avoid overdraft surprises and cover those “oops” moments with a Ready Ca$h line of credit. It’s:

  • Can be linked to your CODE checking account
  • Instantly accessible via app or online banking
  • No annual fee

Apply online and stay one step ahead this summer.

✨ Visa® Credit Cards – Choose the Perks You Need

Whether you’re all about rewards or want a simple, low-rate option, CODE has a Visa card for you:

  • Visa Platinum / Gold – Double Reward points PLUS  up to $50 cashback. Learn More.
  • Visa Simple – rates as low as 10.50% APR.5
  • Visa Secured – A smart way to build credit

Bonus: Earn cashback on travel, gas, and dining now through August 15th. Learn More.

🌴 Personal Loans – Rates as low as 9.49% APY6

Planning a trip? Need to refresh your space? Use a CODE Personal Loan for many purposes including:

  • Vacation expenses
  • Debt consolidation
  • Large purchases

Enjoy a fixed rate and easy online application .

 

 

1Any CODE Credit Union member, age 18 or older, that applies for any vehicle loan, home equity loan or credit line, first mortgage, Ready Ca$h line of credit, any CODE Visa credit card, or a vacation or personal loan, and is approved, will automatically be entered into a drawing to win 1 (one) $250 Air BnB gift card.  Winners will be randomly selected and notified by September 12, 2025.

2Cash back reward will be 2.00% of the loan proceeds up to a maximum of $400. Refinanced loans must be transferred from another institution to qualify for the cash back reward.  Also required to receive this offer: direct deposit of net pay or $500, whichever is less, and automatic payment from a CODE Credit Union checking 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. CODE Credit Union reserves the right to bill the member for the cash incentive if the loan is paid off within 180 days of closing.  3No Payment for 90 days is available for new and used auto loans of $5,000 or more, closed beginning July 1, 2025.  Interest will continue to accrue from the time the loan is disbursed.  The first payment will be 90 days from the closing date or October 20, 2025, whichever comes first. All offers exclude motorcycles or refinancing of existing CODE Credit Union loans.

 

4Home Equity Loans or Lines of Credit of $5,000 or more and closed by August 31, 2025 are eligible for no closing costs.  If the loan is paid off within 180 days of opening date, closing costs will be assessed.

5 Rates are subject to change without notice. Visit www.codecu.org/rates for current rate information.

69.49% Annual Percentage Rate (APR) is subject to credit qualifications and subject to change at any time. Minimum loan amount is $500, with a 24 month term only.  Must be new money.  No refinancing of existing CODE Credit Union loans.

🚍 Stuff the Bus 2025 is Rolling In — Let’s Fuel the Future!

CODE Credit Union is proud to partner with Crayons to Classrooms to Stuff the Bus and stock local classrooms with essential school supplies!

🖍️ Nearly 71% of local students start the school year without the basic tools they need to succeed — and we’re here to change that. Together, we can help close the opportunity gap and give every child a strong start.

🎯 Our Goal: Collect items or raise money to support 55,000+ local students and their teachers.

📅 Drive Dates: July 1 – August 31, 2025

📍How to Help:
Drop off new school supplies at a CODE Credit Union branch!

Host a drive at your office, church, or club

Go virtual! Donate online at: https://p2p.onecause.com/stb2025/challenge
Be sure to credit CODE Credit Union’s drive to help us reach our goal!

✏️ Top 10 Most Needed Supplies:

Markers (regular & dry erase)
Colored pencils
Pencils & crayons
70-ct spiral notebooks & filler paper
Glue sticks
Scissors
Pocket folders
Construction paper

Why It Matters:

Since 2009, Crayons to Classrooms has distributed over $40 million in free supplies to under-resourced schools. Last year alone, their impact reached 55,000+ students across 130+ schools.

💡 A $1 donation = $1 in supplies directly to students.

🌟 94% of donations go straight to programming.

What are your plans for summer?  A family vacation, weekend road trip, visiting a new or favorite restaurant?  Earn CASH BACK with any CODE Visa® Credit Card when you use it to pay for dining out, gas for your vehicle, and travel expenses!

Receive up to $50 cash back when you use your CODE Visa Credit Card between June 1st and August 15th, 2025 to make a variety of travel and dining out purchases.*  You have over two months to earn your reward!  (View a list of qualifying merchants.)

CODE will track your qualifying purchases and credit your reward in late August.  Rewards can be earned as follows:

 

At least $1,000 in purchases …          $25 reward

At least $2,500 in purchases …          $50 reward

 

On top of cash back rewards, you also now have the power to divide large, qualifying purchases over monthly installments at a lowered interest rate using Buy Now Pay Later.  All you have to do is pay for your item using your CODE Visa credit card, select your purchase on the CODE Visa Online Mobile App, and select what monthly installment plan works best for you.  CODE has you covered if you want to book those airline tickets NOW and plan your getaway! It’s that easy.

Enjoy your summer and earn CASH BACK with your CODE Credit Union Visa® Credit Card!  Don’t have a CODE Visa yet?  APPLY ONLINE NOW for the credit card that works best for you!

 

*Rebate is awarded based on total travel and dining out purchases made during the promotional period of 6/1/25 through 8/15/25.  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: airlines, rental cars, automated fuel dispensers, automobile parking lots and garages, truck stop transactions, travel-related arrangement services, hotels, resorts, casinos, health and beauty spas, bars, taverns, nightclubs, cocktail lounges, discotheques, eating places and restaurants, fast food restaurants, duty free stores, campgrounds and trailer parks, timeshares, air carriers, airports, airport terminals, flying fields, boat rentals and leases, bus lines, cruise lines, local and suburban commuter/passenger transportation including ferries, passenger railways, railroads, taxicabs and limousines, tolls/bridge/road fees, transportation services, travel agencies and tour operators.  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 8/15/25.  Appropriate rebate credit will automatically be posted to your share account within 3 weeks after the promotion end date and is non-transferable.

^CODE Visa® Online or The CODE Visa Mobile App are required to use Installment Payments. CODE Credit Union may change APRs, fees and other account terms in the future based on your experience with CODE Credit Union and its affiliates as provided under the Cardmember Agreement and applicable law. Account must be open and in good standing to earn and redeem rewards and benefits. Please refer to Frequently Asked Questions for more information. Purchase must be greater than $100 from qualifying merchants. Installment payment available for six (6), twelve (12) and eighteen (18) month terms, split evenly over term, depending on qualifications. Interest rate will be provided via the CODE Visa Online Mobile App and will be contingent on qualifying purchase.

CODE Platinum and Gold Visa credit cards have ALL the rewards you need!

With CODE’s Platinum or Gold Visa® credit card, you can earn valuable reward points while preparing for and enjoying the summer weather!  And, from June 15th to August 15th, you can earn DOUBLE POINTS.

 

Earn points redeemable for CASH BACK, travel, gift cards, merchandise and more!

 

Open a Visa credit card or apply for a credit line increase for your existing CODE Visa credit card today.

 

Plus, take advantage of CODE’s summer Visa spending promotion and earn up to a $50 cash reward in addition to earning double points. Learn More HERE.

 

Apply Now for a Platinum or Gold Visa credit card!

Learn more about CODE’s Visa Credit Cards

 

* Earn two (1) points 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. Visit CURewards for more information on redeeming reward points.

CODE’s Smart Saver Checking provides all the basic checking functions you need to survive PLUS great, new features to help you thrive. This account includes our new, debit round up option to help you save whenever you use your debit card.

  • No minimum balance
  • No monthly fee if enrolled in eStatements1
  • Overdraft forgiveness up to $352
  • Visa Debit Card with contactless Tap to Pay
  • Round up your debit transactions for automatic deposit into a Smart Saver Share account3
  • Access 24 Online Banking with Mobile Banking App for 24/7 access from a mobile device
  • Send and receive money with friends and family using Zelle directly through online banking.
  • Free Credit Score Monitoring
  • Mobile Wallet – Make purchases straight from your account with Google Pay, Apple Pay, or Samsung Pay.

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.

Upgrade Your Checking Account and Get Rewarded! Unlock a world of features and cash back rewards with our enhanced checking account. Earn cash back on all your every day purchases. Cash Back Checking was designed to meet your lifestyle and exceed your expectations with benefits like these, just to name a few:

  • Cash Back Rewards:. 1
  • Tap to Pay: Fast, secure payments with your Visa Debit Card.
  • No ATM Fees: Withdraw your cash without worrying about fees.
  • 24/7 Access: Manage your account anytime, anywhere with our Mobile Banking App.
  • Send Money Easily: Use Zelle to send and receive money with friends and family.
  • Credit Score Monitoring: Keep an eye on your credit score for free.
  • No Monthly Fee: Enjoy no monthly fees when you enroll in eStatements and maintain a minimum balance of $1,000.2

 

Upgrade today. Click on the link below.

APPLY HERE

Open an account online in minutes.

1 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 and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s 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 current statement cycle. Rates and rewards are variable and may change after account is opened.

2Paper 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.