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Promotions

Celebrate 85 years with CODE Credit Union and get lucky this season!

There’s never been a better time to open a new checking account or apply for a loan at CODE. As part of our 85th anniversary celebration, when you open a qualifying account or loan, you’ll receive a scratch-off ticket for an instant prize!* Plus, you’ll be entered into our grand prize drawing for a chance to win a brand-new laptop valued at $500!

Here’s how you can receive a scratch-off ticket with a qualifying account or loan:

  • Open a new checking account with debit card and recurring direct deposit of net pay1
  • Open a Home Equity Loan or Line of Credit (NO CLOSING COSTS)2
  • Open a Vehicle Loan – car, truck, motorcycle, boat, camper, or RV3
  • Close a Mortgage or Mortgage Refinance 4
  • Transfer a balance to a CODE Visa Credit Card5
  • Open a new CODE Visa Credit Card and download the Visa Online mobile app6
  • Schedule & complete a Financial Check-UP with a CODE Financial Services Representative

 

Join us in celebrating 85 years of serving the Miami Valley and don’t miss your chance to scratch and win today!

 

1To receive a scratch off ticket, a new checking account must be opened during the promotion period with an issued debit card.  Member must agree to direct deposit and accept the direct deposit letter and information.  If member is selected as the grand prize winner, a recurring direct deposit (at least 2 deposits) of net pay or at least $500 must be verified in the account transaction history.

2To receive a scratch off ticket, a new Home Equity Loan of at least $10,000 must be closed, or a Home Equity Line of Credit opened with at least $5,000 advanced off the credit line.

3To receive a scratch off ticket, a new auto, truck, motorcycle, boat, camper, or RV loan of at least $5,000 must be closed.  Refinances from other financial institutions can be included.  No refinancing of existing CODE Credit Union loans.  Loans closed at dealerships do not qualify.

4To receive a scratch off ticket, a mortgage or mortgage refinance must be closed with one of CODE’s Mortgage Services Representatives.

5To receive a scratch off ticket, transfer a credit card balance of at least $1,000 to a CODE Visa Credit Card.

6To receive a scratch off ticket, open a new CODE Visa Credit Card with at least a $1,000 credit line and also download the CODE Visa Online Mobile App.

 

*No purchase necessary.  Full promotion details can be viewed here

THANK YOU FOR BEING A VALUED CODE MEMBER! At CODE Credit Union, we truly appreciate our members, and we’re excited to celebrate YOU during Member Appreciation Day!
Join us for food, fun, and fantastic prizes—it’s our way of saying THANK YOU for being part of the CODE family!

MONUMENT AVE. BRANCH – THURSDAY, JUNE 6 HOT DOG DRIVE-THRU Swing by for a free hot dog lunch! We’ll be grilling and serving fresh hot dogs for our members—no need to even leave your car. Just drive on through and enjoy!
SHRED DAY – 11AM to 1PM Back by popular demand! Bring your confidential documents and let us help you shred them securely—free of charge.
SPIN THE WHEEL FOR PRIZES Try your luck with our Spin the Wheel game and win a prize! Every spin is a chance to score something fun, from CODE swag to top-tier prizes like:
• Airbnb Gift Card
• Stylish Lounge Chair
• Cooler full of CODE goodies …and so much more!

ENGLEWOOD BRANCH – THURSDAY, JUNE 13 Stop by for hot dogs, games, and giveaways throughout the day! You’ll also have a chance to spin the prize wheel and win fun surprises.
We can’t wait to celebrate YOU! Mark your calendars and join us at your preferred CODE branch—we’re looking forward to seeing you there!

Grow Your Business with CODE Credit Union

At CODE Credit Union, we’re committed to providing flexible and supportive services that help your business thrive. Whether you’re looking to earn higher interest, streamline payroll, or access financing, we have the tools to help you succeed.

Business Checking for every size of business:

  • Basic Checking
  • Regular Checking
  • Plus Checking

Learn More about CODE’s Business Checking.

Several options to help you save:

  • Business (Select) Money Market– Earn higher interest on larger balances starting at $10,000 with monthly dividends and 24/7 online transfers to/from your Business Checking account.
  • Certificates of Deposit– For long-term savings, explore our Certificates of Deposit (CDs), offering flexible terms from 6 to 48 months with competitive, high-yield rates and preferred rates for deposits over $10,000.

Check Current Rates

Loan and Credit Card options:

Merchant Services – Simplify your payments and operations through our Merchant Services partner, EMS. They provide mobile payment processing, credit/debit card acceptance, and state-of-the-art point-of-sale equipment, all backed by 24/7 technical support and competitive pricing to help you save. Learn More.

Payroll and Human Resources Services- Need payroll solutions? Take advantage of free payroll services through our partner, 937 Payroll. Gain better control of employee payments and cash flow. Utilize human resources services to help reduce compliance risk.

Investment and 401K Plans- Our partner, Harrison Wealth Management, will help you cut through the complexity of your financial situation to create, implement and manage an all-encompassing plan designed to pursue your goals – personally and professionally. Learn More.

Additional services:

  • Cash ordering options
  • Financial Check-Up to ensure your business is on the right track. Complete the Business Financial Check Up online now.
  • Onsite Services- Finding it hard to come into a financial institution? We will come to you.
    • Onsite account opening.
    • Account Review – Let us see if we can save you money.
    • Conversations with CODE – we will come to you and speak to your staff about Financial Literacy topics including Financial Check Up, Health Savings Accounts and more.

 

All of these great products and services, PLUS, Grow Your Business Even More This Spring with these LIMITED TIME OFFERS:

EARN A $500 BONUS when you open a business checking account1

FREE BILL PAY for the first year.2

EARN UP TO $50 CASH BACK on Visa credit card purchases.3

SIGN UP FOR MERCHANT SERVICES WITH EMS (Electronic Merchant Services) and receive a FREE card reader.4

RECEIVE  2 FREE months of Payroll Services through 937 Payroll. Learn More.

Ready to take your business to the next level? Contact us today by submitting our online form, visit your nearest branch, or call us at 937-545-8918. We’re excited to partner with you!

 

1The $500 bonus will be deposited into the checking account after verification that the average balance of at least $5,000 is maintained for the first 90 days and at least 5 ACH/debit card transactions are completed per month.

2Standard Bill Pay fee of $4.95 per month will be waived for the first calendar year from the date the account is opened. Enrollment in online banking is required to utilize Bill Pay.

3 A $25 rebate will be issued to cardholders who complete $2,500 or more in Visa credit card purchases in the first 60 days after account opening. A $50 rebate will be issued to cardholders who complete $5,000 or more in Visa credit card purchases in the first 60 days after account opening. Limit one rebate per card account for a maximum rebate of $50.  Accounts must be in good standing to receive rebate.   Cash advances, balance transfers, fees, and finance charges are not included as  purchases. Limited Time Offer. Appropriate rebate credit will automatically be posted to your share account within 2 weeks after the promotion end date and is non-transferable.

4 Ask for details. This offer is on behalf of Electronic Merchant Systems in coordination with CODE Credit Union

Congratulations, 2025 Graduates! As you’re heading off to the next chapter, we want to help you prepare. CODE’s Smart Saver Checking can set you up to save money while you’re spending. With the debit round up feature, money automatically goes into your Smart Saver Share every time you swipe your card.

Open a new CODE Checking Account with select qualifying services and receive Up to $50 Match on Your Opening Deposit*

PLUS — Open an account in May or June & be entered to win a set of Solo 4 headphones*

Enjoy these powerful account features:

  • 24/7 Access with Online Banking & Bill Pay
  • Visa® Debit Card – Easy, secure access to your money
  • Mobile Pay Compatibility – Use Apple Pay™, Google Pay™, and more
  • CODE Mobile App – Manage your account from anywhere
  • Mobile Check Deposit – Deposit checks with your phone
  • eStatements – Fast, secure, and eco-friendly
  • Account Sharing Options – Parents can easily transfer funds and monitor student accounts

*CODE Credit Union reserves the right to bill the member for the matched amount if the account is closed within 90 days of opening. Offer expires June 30, 2025. Must be a 2025 high school graduate to qualify for this offer.  Must qualify for a Visa® debit card and sign up for eStatements in order to qualify for the $50 match offer or to be entered into the drawing to win the pair of Beats Studio Buds. The drawing will take place the first week in July 2025.

Spring has sprung and summer fun is just around the corner! Focus on the fun without worrying about finances, thanks to all the great benefits of a CODE Visa Credit Card, including:

  1. Rates as low as 10.50% APR¹
  2. NO annual fee and NO balance transfer fee
  3. A variety of cards to choose from to fit your needs
  4. Rewards on a Platinum or Gold card²
  5. Mobile app for easy online account management
  6. Divide large, qualifying purchases over monthly installments at a lowered interest rate with CODE’s new Buy Now Pay Later options.

PLUS, going on now, when you open a new CODE Visa credit card in the month of May, you will have a chance to win a pair of Kings Island gold passes.3

AND, coming up in August and September of 2025, transfer a balance from another credit card and receive 0% for 12 months!! With no balance transfer fee.⁴

So many great reasons to apply today for a CODE Visa Credit Card. It is so easy to APPLY ONLINE right from your desktop or mobile device or give us a call at (937) 222-8971.

¹ Rates are subject to change without notice. Visit www.codecu.org/rates for current rate information.

² Earn 1 point for every $2 charged on eligible net purchases made with your CODE Credit Union Visa Gold Card. Earn 1 point for every $1 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.

3All Visa credit cards opened in on or before May 31, 2025 will be included in the drawing to win the pair of Kings Island gold passes. The drawing will be held the first week in June.

⁴ The 0% 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 www.codecu.org/rates. Limited time offer. Subject to change without notice.

This spring, home improvement can pay off with CASH BACK on qualifying CODE Visa® credit card purchases!* Plus, enjoy the flexibility of Buy Now, Pay Later, which lets you spread larger qualifying purchases over monthly payments with a reduced interest rate. ^

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, 2025. That’s two months to rack up your rewards!

We’ll track your purchases and credit your rewards in June. Here’s how it works:

  • Spend at least $1,000 … Earn a $25 reward
  • Spend at least $2,500 … Earn a $50 reward

And on top of the cash back, you can now break up large, qualifying purchases into manageable monthly payments with a reduced interest rate. Simply make your purchase with your CODE Visa credit card, select it on the CODE Visa Online Mobile App, and choose a payment plan that works best for you. It’s that simple!

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 new 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 4/1/25 through 5/31/25.  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: 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 5/31/25. Appropriate rebate credit will automatically be posted to your share account within 2 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.

🚗Enjoy a Great Rate on Your Next Auto Loan!

Why pay more when you could be catching a lucky break? With rates as low as 5.49% APR*, it’s your chance to save big on your next auto loan! Whether you’re upgrading your ride or refinancing to lower your current rate, CODE is here to help you seize the adventure!

📲 APPLY ONLINE or give us a call at (937) 222-8971 to chat with a Financial Services Rep. We’re ready to help you start your adventure today!

PLUS, you’ll receive one of our Lucky Lotto scratch offs when you close on an auto loan. Get an instant prize by scratching and be entered in to win a $500 laptop.^ See our Lucky Lotto promotion for more details!

*5.49% APR is based on new and used vehicles financed up to 63 months with qualified credit. Go to codecu.org for more rate information.

^To receive a scratch off ticket, a new auto, truck, motorcycle, boat, camper, or RV loan of at least $5,000 must be closed.  Refinances from other financial institutions can be included.  No refinancing of existing CODE Credit Union loans.  Loans closed at dealerships do not qualify.

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.

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.

You’ll be a happy camper with your new RV, boat, or maybe a four-wheeler!  Whatever adventure is calling you, CODE can help you soak in the outdoors in style with a great rate on a recreational loan.

For a limited time, rates are as low as 6.99% APR* with an added benefit of NO PAYMENT FOR 60 DAYS!  That’s right!  You won’t have to make a payment until May 30, 2025.^  Act now before rates go up.

CODE’s Recreational Vehicle Loans feature:

  • A special rate as low as 6.99% 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.

*6.99% Annual Percentage Rate (APR) valid on new and used RV and boat loans 2024 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 of at least $5,000 closed beginning March 1, 2025. Interest will continue to accrue from the time the loan is disbursed. The first payment will be 60 days from the closing date or May 30, 2025, whichever comes first. Offer excludes motorcycles or refinancing of existing CODE Credit Union loans.

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Start Your Child on the Path to Financial Success with CODE’s Cool Kids Account! OPEN AN ACCOUNT ONLINE TODAY!
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 just a little extra pocket money, it’s important to show them how to manage it wisely.

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
•FREE mobile banking app
•Thousands of surcharge-free ATMs nationwide
•Share account with a parent for easy transfers and balance checks
•Call to check balance or transfer funds with PAT (Personal Audio Teller)

Help them 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.

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Take a break from normal life this spring and enjoy the ride.
Whether you want to ride a motorcycle to save on gas, hang with your friends or relieve tension and stress, CODE can help you save on your existing motorcycle loan or buy that new bike that you have your eye on!

CODE offers a wide range of terms and low competitive rates on a new or used motorcycle loan.
CODE will finance up to 115%** of the NADA value with terms up to 84 months for new motorcycles and up to 72 months for used motorcycles.

Ready to get started? Click here!

*7.09% 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 April 1, 2025. 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 30th, 2025, whichever comes first. Offer excludes refinancing of existing CODE Credit Union loans.

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