CODE Credit Union’s 12 Days of Christmas Promo
Get into the holiday spirit with a chance to win some merry money this season!
We’re celebrating the season of giving with our festive 12 Days of Christmas Promotion — and you could win $100 just by completing one of the qualifying actions below between November 1, 2025 and December 8, 2025. One (1) $100 winner will be randomly selected on each of the following twelve (12)business days:
- December 9, 10, 11, 12
- December 15, 16, 17, 18, 19
- December 22, 23, 24
*Here’s how you can receive an entry into the 12 Days of Christmas drawing:
1) Open a new checking account with select services1
2) Start saving for something special:
– Open a New Savings account or New Christmas Club account with a minimum opening deposit of $50 plus select services.2
-Open a New Certificate of Deposit (CD)- view rates, minimum investment and terms here.
3) Wrap up a Home Equity Loan or Line of Credit3
4) Get your sleigh in gear – Obtain a qualifying Vehicle Loan4
– Buy a new car, truck, motorcycle, boat, camper, or RV
– Refinance a loan from another financial institution to save money
5) Ditch the holiday debt stress – Transfer a balance to a CODE Visa Credit Card⁵
6) Stuff your stocking with credit – Open a new CODE Visa Credit Card with qualifying services⁶
Each qualifying action earns you one entry into our daily $100 prize drawing, running from December 9 through December 24 — twelve days, twelve winners!
So go ahead — check off your financial wish list this season and let CODE Credit Union help make your holidays a little brighter.
1 To receive a chance to WIN $100, a new checking account must be opened during the promotion period with a minimum balance of $50, enrollment in estatements, online banking and a CODE Visa debit card.
2 To receive a chance to WIN $100, a new savings account or Christmas Club must be opened during the promotion period with a minimum deposit of $50, enrollment in estatements and online banking.
3 To receive a chance to WIN $100, a new Home Equity Loan of at least $10,000 or a Home Equity Line of Credit must be opened during the promotion.
4 To receive a chance to WIN $100, a new auto, truck, motorcycle, boat, camper, or RV loan of at least $5,000 must be closed. The refinancing of existing CODE Credit Union loans will not be included in the drawing. Loans closed at dealerships do not qualify.
5 To receive a chance to WIN $100, transfer a credit card balance of at least $1,000 to a CODE Visa Credit Card.
6To receive a chance to WIN $100, 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.
🎄 Double the Cheer This Holiday Season with a CODE Visa® Credit Card! 🎁
Get rewarded while you prep, shop, and celebrate the holidays! With a CODE Platinum or Gold Visa® credit card, you’ll earn DOUBLE REWARD POINTS on all eligible purchases made between November 1, 2025 and December 31, 2025.*
That means more points for:
✨ Holiday gifts
✨ Travel expenses
✨ Festive meals and decorations
✨ And all your seasonal splurges!
Redeem your points for cash back, gift cards, travel, merchandise, and more — just in time to treat yourself after the holiday rush.
Don’t have a CODE Visa yet?
🎅 Apply now for a Rewards Visa credit card
🎄 Already a cardholder? Consider requesting a credit line increase to boost your holiday spending power by applying HERE.
Apply Now for a CODE Rewards Visa® Credit Card
Learn more about CODE Visa® Credit Cards
*Earn two (1) points for every $1 in eligible net purchases with your CODE Gold Visa®.
Earn two (2) points for every $1 in eligible net purchases with your CODE Platinum Visa®.
Reward points are redeemable through CURewards — visit CURewards.com for more information.
Be Ready for the 2026 Holidays — Start Saving Now with a CODE Christmas Club Account
The holidays are here — and if you had a Christmas Club account this year, you’re probably enjoying the extra funds right when you need them most.
If not, now’s the perfect time to plan ahead. A Christmas Club account makes it easy to save gradually throughout the year, so you’re financially prepared for next holiday season. Deposit just $20 per pay period, and by next November, you’ll have around $500 ready to use — no last-minute stress, no holiday debt.
A Christmas Club account isn’t just for holiday shopping — it’s also a smart way to set money aside for taxes or other year-end expenses.
Opening an account is simple:
- On desktop: Log in to Online Banking > Go to “ACCOUNTS” > Click “Apply for an account or loan”
- On mobile: Tap “ACCOUNTS” > Scroll down > Select “Add an account”
*Anyone who opens a Christmas Club account between 11/1/25 and 12/9/25 will automatically be entered into CODE’s 12 Days of Christmas drawing. No purchase necessary.
Brighten a child’s holiday season!
Join CODE Credit Union in spreading holiday cheer by supporting our Toys for Tots toy drive! From November 1 to December 4, all CODE branch locations will serve as drop-off sites for new, unwrapped toys or cash donations. Every contribution helps brighten the holidays for local children in need. Together, we can make this season a little more joyful for families in our community. 🎁 [Click here to donate virtually!]
🍂 Cozy Up to Big Savings This Fall with No Closing Costs!
As the leaves fall and temperatures drop, it’s the perfect time to turn your home’s equity into a smart financial tool. Whether you’re preparing for winter, tackling home projects, or consolidating debt before the holidays—CODE is here to help with No Closing Costs on Home Equity Loans and Lines of Credit!
Fall Into Savings:
NO CLOSING COSTS
Rates as low as 7.24% APR*—now that’s something to warm up to!
🍁 Smart Ways to Use Your Equity:
- Winterize your home before the cold sets in
- Knock out those last-minute fall projects
- Consolidate high-interest debt before the holiday season
- Tackle year-end expenses with a lower rate
🛠️ Seasonal Home Improvements:
- Insulate or upgrade windows & doors
- Install energy-efficient heating systems
- Remodel your kitchen or bathroom before holiday hosting
- Create a cozy indoor space for the colder months ahead
❄️ Apply with Ease:
CODE makes it simple. Apply online, get approved fast, and access your funds without stepping outside.
👉 [Apply Online Now]
📞 Or Call: (937) 222-8971
*Home Equity Loans or Lines of Credit of $5,000 or more and closed by November 29, 2025 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. 7.24% APR is based on current rates and credit qualifications and is subject to change without notice.
🦃 Feast on a Low 10.25% APR¹ with a CODE Visa Credit Card! 🍂
Get your wallet holiday-ready just in time for Thanksgiving! Whether you’re planning seasonal travel, shopping for loved ones, or just need some extra financial flexibility, the CODE Visa Credit Card offers a generous helping of value with a low 10.25% APR¹.
Here’s why more members are thankful for CODE:
- Low interest rate – just 10.25%¹
- NO annual fee and NO balance transfer fee
- Multiple card options to match your lifestyle
- Earn rewards with a Platinum or Gold card² and take advantage of DOUBLE POINTS during November and December.3
- Easy online account access and a free Visa mobile app
Apply today and enjoy low rates that help keep your finances in check—no gimmicks, just real savings!
📞 Call us at (937) 222-8971 or apply online anytime from your desktop or mobile device.
110.25% 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. 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.3 From 11/1/25 through 12/31/25, earn one (1) point for every $1 in eligible net purchases with your CODE Gold Visa®. Earn two (2) points for every $1 in eligible net purchases with your CODE Platinum Visa®.
🚀 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
- 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):
• 250 Custom Letterheads
• 250 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
- Open a new Business Account with select services or upgrade your current CODE business relationship with one of the qualifying services above.
- Submit your branding assets to marketing@codecu.org.
- 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.
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 2025 and have a chance to WIN a $100 Visa® Gift Card!*
*All Health Savings Accounts opened between 9/1/25 and 12/31/25 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 2026. ^Rates are subject to change without notice.
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!
Spin the wheel and win! When you visit our branch and use the new Fire Lingo tablet, you’ll have a chance to win a gift card worth up to $100. We’ve got plenty of cards on hand—available while supplies last!
Estamos orgullosos de ofrecer asistencia en español en tiempo real en nuestras sucursales de Dayton y Englewood – ¡Y por teléfono!
Nuestro nuevo asistente bilingüe impulsado por IA ayuda a los afiliados hispanohablantes a obtener un servicio rápido y preciso – sin retrasos ni confusiones.
✔️ Obtenga respuestas claras a sus preguntas
✔️ Comprenda los detalles de la cuenta, las tarifas y las cuotas
✔️ Sin necesidad de esperar a un traductor o empleado bilingüe
Tanto si va a abrir una cuenta, solicitar un préstamo o simplemente necesita ayuda, puede sentirse cómodo y respaldado en cada paso del camino.
Visítenos en:
📍 Dayton – 355 W. Monument Ave.
📍 Englewood – 415 W. National Rd.
📞 937-222-8971 |🌐 codecu.org
Un gran servicio. ¡Ahora en español!
¡Gire la ruleta y gane! Cuando visite nuestra sucursal y utilice la nueva tableta Fire Lingo, tendrá la oportunidad de ganar una tarjeta regalo por valor de hasta 25 dólares. ¡Tenemos muchas tarjetas disponibles hasta agotar existencias!