Make Your Holidays Brighter — Apply for a Holiday Loan!
Don’t let a tight budget keep you from holiday cheer. If your shopping list is a little longer than expected, or you need some extra cash this season, a Holiday Loan from CODE Credit Union can help.
Take advantage of a small, manageable loan—up to $1,000 for up to 24 months—with a special rate as low as 7.99% APR*. With a payment of less than $50 per month**, this loan could be just what you need to stay on top of things this holiday season. Applying online is fast, easy, and secure, so you can get back to holiday planning without the stress.
Use your Holiday Loan for whatever makes your season bright:
- Christmas gifts
- Electronics
- Holiday travel
- Jewelry
- Decorations
Plan ahead and enjoy the holidays without stretching your budget.
Talk to a CODE Financial Services Representative today or APPLY ONLINE at codecu.org.
*7.99% APR (Annual Percentage Rate) is based on credit qualifications and subject to change without notice.
**Estimated monthly payment of $45.22 is based on a $1,000 loan at 7.99% APR (Annual Percentage Rate) with a 24 month repayment period.
🎄 Holiday Auto Loan Special — Drive Into the Season With CODE! 🎅
$100 Gas Card1 + No Payments for 90 Days2
Make this holiday season a little brighter — and a lot more affordable — with CODE’s limited-time Holiday Auto Loan Promotion. Whether you’re upgrading your ride, buying your teen their first car, or refinancing to lower your payment, CODE has packed this promo with extra value designed to help you save through the holidays and into the new year.
A Promotion That Delivers Holiday Cheer
This year, Santa isn’t the only one cruising in style. When you finance a qualifying auto loan with CODE, you’ll enjoy two major perks designed to keep more money in your pocket when it matters most.
🎁 Receive a $100 Gas Card1
Holiday travel adds up fast — but your fuel budget doesn’t have to.
When you close an auto loan of $10,000 or more and set up direct deposit and automatic loan payment from a CODE account, we’ll send you a $100 gas card to help cover your next few fill-ups.
🎁 Make No Payments for 90 Days2
Enjoy the flexibility of starting the new year strong.
With our 90-day no-payment option, you can take the wheel of your new (or new-to-you) vehicle now, while postponing your first payment for 90 days. That means no monthly payment during the holiday season — giving your budget room to breathe.
Why Finance Your Auto Loan With CODE?
At CODE, our goal is simple: offer members financial solutions that make life easier.
This holiday promo includes more than just seasonal savings:
🚗 Competitive, Member-Friendly Rates
CODE offers consistently strong auto loan rates to help keep your monthly payment affordable — whether you’re purchasing a new vehicle, a used one, or refinancing from another financial institution.
🚗 Fast, Secure Online Application
Apply anytime from home, work, or during your holiday shopping run. Our digital application is quick, secure, and gives you a decision fast.
🚗 Refinance & Save
Already have an auto loan somewhere else? Bring it to CODE and potentially lower your rate — and still take advantage of our $100 gas card and 90-day no-payment options (as long as the loan isn’t currently with CODE).
🚗 Local, Member-Focused Service
CODE is here to help at every step. If you’d prefer to talk through your options, our Financial Services Representatives are happy to help you find the best term, payment, and loan structure for your needs.
How to Get Started
Getting behind the wheel is easy:
- Apply Online using our fast and secure application.
- Work with a CODE representative to finalize your loan and set up automatic payment.
- Receive your $100 gas card1 (once direct deposit and auto pay are verified).
- Enjoy 90 days payment-free2 while you settle into your new vehicle.
You focus on the road ahead — we’ll handle the rest.
1To qualify for the $100 gas card, members must have direct deposit into a CODE Credit Union share or draft account and have the loan payment automatically debited from the account each month. Members who obtain an auto loan beginning December 1st, 2025 through December 31st in the amount of $10,000 or more will receive a $100 gas card. Excluded from this offer: loans closed at dealerships or the refinancing of existing CODE Credit Union loans. Rates are based on credit qualifications and are subject to change without notice. Gift card will be awarded to the member once direct deposit and auto payment are verified. Limited time offer. Subject to change without notice.
2No payment for 90 days for new and used auto, RV and boat loans of $10,000 or more, closed beginning December 1st, 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 March 20th, 2026, whichever comes first. Both offers exclude loans closed at dealerships, motorcycles or refinancing of existing CODE Credit Union loans.
Start preparing for next year’s holiday season with CODE Credit Union!
As a valued CODE Credit Union member, you can receive up to $50 in matching funds when you open a new Christmas Club account.*
Offer Details:
CODE Credit Union will match up to $50 of your opening deposit into your new Christmas Club account.*
This limited-time offer applies to the first 25 accounts opened beginning December 1st, 2025.
To qualify, you must:
• Enroll in eStatements
• Enroll in Online Banking
Offer valid through January 31, 2026, or until the first 25 accounts are opened.
Why Open a CODE Christmas Club Account?
- Save gradually throughout the year for next year’s holiday expenses
• Competitive rates and no monthly service fees
• Easy automatic deposits through payroll deduction or transfers
• Local service and support from your hometown credit union
How to Get Started
Open your Christmas Club Account today and watch your holiday savings grow!
Click HERE to open an account today!
*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 January 1st, 2026. Offer limited to the first 25 accounts opened beginning December 1st, 2025. eStatement and online banking enrollment required.
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.
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 100 dólares. ¡Tenemos muchas tarjetas disponibles hasta agotar existencias!