Drive Into 2026 With a CODE Auto Loan Refinance!
Lower Your Rate or Monthly Payment — Or Get a $25 Gas Card!1
Looking to save on your current auto loan? CODE Credit Union makes it easy for members to refinance your auto loan, helping you reduce your rate, lower your monthly payment, or both.2
And here’s an extra perk: if we can’t beat your current rate, you’ll still get a $25 gas card—just for giving us a chance.
Why refinance with CODE:
• Competitive rates that could save you money
• Flexible terms to fit your budget
• Quick, easy online or in-branch application
• Local service you can trust
Drive into 2026 with more savings and confidence. Refinance your auto loan with CODE today and see how much you could save!
Talk to a CODE Financial Services Representative today or APPLY ONLINE at codecu.org.
1 $25 gas card awarded if CODE cannot beat your current documented auto loan rate. 2Offer does not apply to existing CODE Credit Union auto loans.
Limited time offer. Subject to change without notice. Subject to credit qualifications.
A Fresh Year, A Fresh Start for Your Credit Card Balance
The holidays may have left your wallet a little lighter, but 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 January Is the Perfect Time to Transfer:
💳 Holiday Spending Recovery
From gifts to travel, the holidays can add up fast. A balance transfer now helps consolidate holiday spending and avoid high-interest charges.
📅 New Year, Fresh Start
A 0% interest period gives you time to catch up, pay down debt, and start the year on solid financial footing.
💡 Financial Reset & Goal Planning
Use this momentum to take control of your finances and set yourself up for a stronger financial year.
Even More to Love:
Don’t have a CODE Visa® card? Apply now to open a new CODE Simple Visa®—our lowest-rate card—in January 2026 and earn a $100 statement credit when you complete qualifying transactions.^
Already Have a CODE Visa?
Transferring a balance is quick and easy:
- Log into Access 24 Online Banking
- Click on the credit card you’d like to transfer to.
- Click on CODE Visa Online
- Select “Balance Transfer”
Prefer personal help? Call us at 937-222-8971 and a Member Services Representative will guide you.
Apply Today and start the year stress free.
You have until Feb 28, 2026 to take advantage of this offer—but early in the month is the perfect time to get a head start on your financial goals.
*0% offer applies to balances transferred between 1/1/26 and 2/28/26. 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 Visa credit cards approved prior to Feb 28, 2026.
Spot the Green Flags — Smart Saver Checking
CODE Credit Union is lighting up the Dayton area with bold new billboards sharing a simple message: “Your money deserves more green flags.”
Those green flags point to something better — including Smart Saver Checking from CODE Credit Union. With this account, saving is easier than ever. When you open a Smart Saver Checking account, you can round up your purchase amounts and deposit the difference into a Smart Saver Share Account.1 Open an account today!
Plus, complete 15 debit card purchases in the first 30 days and receive a $50 bonus.2
Smart Saver Checking also gives you:
- No minimum balance
- No monthly fees3
- 24/7 Online and Mobile Banking
- Overdraft forgiveness up to $354
- And more
Every time you shop and manage your money smarter, you’re spotting green flags — just like our billboards throughout the Miami Valley. It’s a fun, simple way to see how everyday spending can add up to bigger savings.
Celebrate smarter banking and more green flags with Smart Saver Checking today.
1 A Smart Saver Share Account is required to participate in the debit round-up feature.
2 The $50 bonus will be deposited into the checking account upon verification of the 15 debit card transactions within the first 30 days. Offer valid for new checking accounts only. Must not have had a previous checking account with CODE Credit Union within the last 12 months. Limit one promotional bonus per member. Bonus may be reported on IRS Form 1099-INT.
3A $2 paper statement fee will apply if not enrolled in estatements.
4 Smart 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.
Why stress about a car payment during the winter months? With CODE Credit Union’s winter auto loan offer, you can skip your car payment until spring on a new auto loan.* Whether you’re upgrading your ride or refinancing from another financial institution, CODE makes it easy to stay cozy and save.
This winter, enjoy:
- No payment until spring on qualifying new or refinanced auto loans*
- Competitive auto loan rates as low as 5.24% APR^
- A quick, easy online or in-branch application
- Friendly, local service you can trust
Your winter just got a whole lot warmer. Apply online or call (937) 222-8971 to speak with a CODE Financial Services Representative today.
*No payment until spring is available for new auto, RV, and boat loans of $10,000 or more, closed beginning January 1, 2026. Interest will continue to accrue from the time the loan is disbursed. The first payment will be due 90 days from the closing date, or April 20th, whichever comes first. Offer excludes loans closed at dealerships, motorcycles, or refinancing of existing CODE Credit Union loans.
^5.49% Annual Percentage Rate (APR) valid on new and used auto loans 2025 and newer, 63-month term, qualified credit, and pre-approval. Rates subject to change
Start the Year Strong with a Free Financial Check-Up!
Make 2026 your most financially confident year yet with CODE’s no-cost Financial Check-Up—now available for both individuals and businesses. Whether managing personal finances or running a company, a one-on-one session with a Financial Service Representative (FSR) helps create a clear, customized plan for the year ahead.
During your session, you will:
• Review budgets and spending habits
• Assess credit health and identify opportunities for improvement
• Explore savings strategies, loan options, and financial tools
• Complete a personalized Financial Check-Up Checklist tailored to your goals
Business members can also take advantage of a specialized Business Financial Check-Up, featuring:
• Cash-flow review
• Account and service recommendations
• Operational and financing insights designed to support growth
Member Reward:
After completing a Financial Check-Up with an FSR, members will receive a Starbucks gift card as a thank-you for taking a meaningful step toward financial wellness.
Convenient Online Option: Complete your personal Financial Check-Up online HERE and an FSR will call to review results and discuss next steps—making it easy to plan your finances from anywhere. Are you a business/business owner? Fill out the Business Financial Check-Up HERE!
Start 2026 on the right foot—schedule your Financial Check-Up in-branch or online today and take the first step toward stronger, smarter financial decisions!
Kick Off the New Year by Improving Your Credit Score!
Start 2026 on the right financial foot by taking charge of your credit score. Whether planning to buy a home, secure a loan, or simply get finances on track, understanding and boosting your credit score is one of the smartest steps to take. Log in to or enroll in CODE Credit Union’s free Credit Score platform through online banking during the promotional period for a chance to win $100!*
Why Your Credit Score Matters:
Your credit score affects nearly every part of your financial life. A higher score can lead to better loan terms, lower interest rates, and even improve opportunities when renting an apartment or applying for a job. Taking control today opens doors for tomorrow.
Simple Ways to Improve Your Credit Score:
- Pay bills on time: Payment history is the biggest factor in your score. Set reminders or automate payments to stay on track.
- Keep credit utilization low: Aim to use less than 30% of available credit and pay balances in full when possible.
- Check your credit report for errors: Mistakes happen—review your free credit report regularly to ensure accuracy.
- Don’t close old accounts: The length of your credit history matters. Keep older accounts open to maintain a strong credit age.
- Limit new credit inquiries: Each hard inquiry can temporarily lower your score. Apply only for credit you truly need.
Make Your Credit Score a Priority:
Small, consistent steps can lead to big improvements over time. Start with one or two tips and build better habits gradually—your credit score, and your financial opportunities, will grow.
At CODE Credit Union, helping members build financial literacy is key to unlocking a brighter financial future. January is the perfect time to focus on improving your credit score and setting up the year for financial success.
Don’t know where to start, or need some assistance? Schedule a financial check-up by clicking HERE.
*All members who enroll in credit score or log in to view their credit score through online banking during the month of January will be included in the drawing to win $100. The winner will be drawn on or before Feb 9, 2026. The $100 will be credited to the member’s share account.
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!
We speak your language — with help from our new translation tablet. At our credit union, we want every visit to feel easy, clear, and comfortable. If you speak Spanish and prefer to communicate in your language, now you can do that without any problem.
When you stop by and try our translation tablet, you’ll also get a chance to spin our prize wheel — with the opportunity to win up to $100. It’s our way of saying bienvenidos and thank you for trusting us.
Come in, give it a try, and see what you win. We’re here to help you feel right at home.
Visit us at:
📍 Dayton – 355 W. Monument Ave.
📍 Englewood – 415 W. National Rd.
📞 937-222-8971 | 🌐 codecu.org
Hablamos tu idioma — con ayuda de nuestra nueva tableta de traducción. En nuestra cooperativa de crédito, queremos que cada visita sea fácil, clara y cómoda. Si hablas español y prefieres comunicarte en tu idioma, ahora puedes hacerlo sin ningún problema.
Cuando nos visites y pruebes nuestra tableta de traducción, también tendrás la oportunidad de girar nuestra rueda de premios — con la posibilidad de ganar hasta $100. Es nuestra manera de decir bienvenidos y agradecerte por confiar en nosotros.
Ven, pruébala y descubre qué puedes ganar. Estamos aquí para ayudarte a sentirte como en casa.
Visítenos en:
📍 Dayton – 355 W. Monument Ave.
📍 Englewood – 415 W. National Rd.
📞 937-222-8971 |🌐 codecu.org