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 April 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.
Turn Your To‑Do List Into Done With Quick Draw
Quick Draw is the fast, flexible way to round up the funds for your next home improvement project. Borrow up to 100% of your home’s value with a special 8.99% Annual Percentage Rate (APR)¹ and No Closing Costs². Whether you’re refreshing a room, fixing what’s broken, or finally building the space you’ve been dreaming about, Quick Draw gives you up to $20,000 to get the job done without the hassle.
Put your home’s equity to work and ride into your next project with confidence, using a loan designed to keep things simple and affordable.
Getting started is simple:
Apply with Ease online now, visit any CODE branch or call (937) 222-8971 to speak with a knowledgeable loan officer.
CODE’s Quick Draw loan allows you to get approved quickly, draw your cash and get the job done without the runaround.
Learn more about Home Equity Loans, check rates and more at codecu.org.
18.99 Annual Percentage Rate (APR) is based on current rates and credit qualifications and is subject to change without notice. Second mortgages only. Maximum term of 84 months. Maximum loan to value (LTV) 100%. Maximum loan amount of $20,000. Offer does not apply to refinancing of current CODE Credit Union Quick Draw loans. 2Quick Draw Loans of $5,000 or more and closed by April 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 applies to owner occupied, single family residences only. You should consult your tax advisor regarding deductibility of interest.
2026 YES Club Scholarship — Apply Now
CODE Credit Union is proud to support the next generation of leaders through our YES (Young Educated Savers) Club Scholarship Program. To recognize YES Club members who have demonstrated strong academic achievement and a commitment to their future, CODE will award three $1,000 scholarships to eligible students planning to attend college full-time beginning Fall 2026.
Who Can Apply:
- Must be a CODE Credit Union YES Club member
- Students Planning to attend college full-time in Fall 2026
- Students that demonstrate scholastic achievement and involvement in school or community activities
Application Details:
Applicants will complete a short application and submit typed, double-spaced essay responses covering topics such as academic goals, leadership, community involvement, and ideas for financial education and student credit unions.
Deadline:
All applications must be received by April 29, 2026.
How to Apply:
Mail your completed application to:
CODE Credit Union, YES Club Scholarship
355 W. Monument Ave.
Dayton, OH 45402
Or email your completed application and answers to: ehafer@codecu.org
This scholarship is a great opportunity for YES Club members to share your story, your goals, and your ideas—while earning support for education. Click HERE for a fillable/printable application form!
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/
Celebrate Financial Literacy Month with CODE Credit Union
Because your money deserves green flags.
April is Financial Literacy Month, and at CODE Credit Union, we’re proud to support your journey toward stronger financial well-being with tools, tips, and resources that make a real impact.
Whether you’re just getting started or looking to level up your finances, we’re here to help you build confidence and make informed decisions every step of the way.
Explore ways to strengthen your financial future:
Build a Budget That Works
Budgeting is the foundation of financial success. Understanding where your money goes allows you to prioritize spending, reduce stress, and work toward your goals. Use our budgeting tools and weekly planning resources to track spending, set limits, and stay on course. Learn more about budgeting HERE
Save with Purpose
Saving isn’t about what’s left over—it’s about making your future a priority. Whether you’re building an emergency fund or planning for something big, small, consistent habits can make a big difference over time. Set goals, automate savings, and track your progress along the way. Learn more about savings HERE.
Take Control of Debt
Managing debt is key to long-term financial health. With the right strategy, you can reduce balances, avoid high-interest pitfalls, and create a plan that works for you. Focus on consistent payments, prioritize high-interest debt, and explore options that simplify repayment. Learn more about debt HERE.
Strengthen Your Credit
Good credit opens doors. From better loan rates to greater financial flexibility, improving your credit score is one of the most impactful steps you can take. Stay on top of payments, monitor your report, and build healthy credit habits over time. Learn more about credit score HERE.
Tools to Help You Succeed
Access our Financial Wellness Center for calculators, budgeting resources, and financial check-ups designed to give you a clearer picture of where you stand—and where you can go.
This month is all about progress—not perfection.
Take one step, build one habit, and keep moving forward.
At CODE Credit Union, we’re here to help you make confident financial decisions—this month and beyond.
File Your Taxes and Save with CODE!
Tax season is here, and CODE Credit Union is helping members make it easier—and more affordable! Through our partnership with TurboTax, members can receive up to 20% off TurboTax products, giving you the tools to file confidently and maximize your return.
Whether filing simple or more complex returns, TurboTax guides you step by step, making sure you get the deductions and credits you deserve.
Get started today: File with TurboTax and save
As a credit union member, you can save big on tax prep with exclusive member discounts. Plus, enter for a chance to win $10,000 from Love My Credit Union Rewards. Log in or sign up to lock-in your member discount.
Take advantage of this exclusive member benefit and make tax season less stressful—while keeping more money in your pocket!