Promotions

🍂 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 October 31^st, 2025 are eligible for no closing costs.  If the loan is paid off within 180 days of opening date, closing costs will be assessed.  7.24% APR is based on current rates and credit qualifications and is subject to change without notice.

🎃 Enjoy a Spooktacularly Low Rate of 10.25% APR¹ with a CODE Visa Credit Card! 🦇
The holidays are creeping closer—make sure your wallet is ready before the spending scares begin! Whether you’re planning travel, haunting the stores for gifts, or just want some extra flexibility, the CODE Visa Credit Card helps you prepare without breaking the bank, thanks to our frightfully low 10.25% APR¹.

Here’s why more members are choosing CODE:

1. Low interest rate – just 10.25%¹
2. NO annual fee and NO balance transfer fee
3. Multiple card options to match your lifestyle
4. Earn rewards with a Platinum or Gold card²
5. Easy online account access and a free Visa mobile app

Apply today and take advantage of low rates that help you stay in control—no tricks, just treats!
📞 Call us at (937) 222-8971 or apply online anytime from your desktop or mobile device.

👻 **PLUS! Apply and receive any CODE Visa Credit Card in October and you’ll be automatically entered to WIN 1 of 2 $100 Amazon gift cards!³

 

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.  ³During October 2025, anyone over the age of 18 that applies for and receives any new CODE Credit Union Visa Credit Card, will be automatically entered into a drawing to win 1 of 2 $100 Amazon gift cards.  The 2 winners will be randomly chosen and notified in November 2025.

💵 CODE Credit Union “Choose Your Bonus” Checking Promotion

Get up to $400 when you open a Cash Back or Smart Saver Checking account.*

We’re rewarding you for switching to a better banking experience. Open a new qualifying CODE Credit Union checking account and choose how you want to be rewarded—with up to $400 in cash!*

🟢 Two great checking accounts. One powerful bonus.

From now until 10/31/25, new members can receive up to $400 when they open one of our most popular checking accounts:*

💡 Smart Saver Checking – Save effortlessly + $300 Cash Bonus*

Start saving automatically with Smart Saver Checking. Every debit card purchase rounds up to the nearest dollar and deposits the change into your Smart Saver Share savings account—easy savings that grow over time.

Receive an extra $300 when you:

1. Open a Smart Saver Checking account by10/31/25
2. Enroll in eStatements
3. Obtain a CODE Credit Union Visa debit card
4. Set up and receive direct deposits totaling $500 or more within 60 days

Smart Saver perks include:
✅ No minimum balance
✅ No monthly fee with eStatements¹
✅ Overdraft forgiveness up to $35²
✅ Round-up savings on every debit card transaction³
✅ Free Visa® Debit Card with Tap to Pay
✅ 24/7 Mobile & Online Banking with Bill Pay
✅ Zelle® payments directly in online banking
✅ Free credit score monitoring
✅ Mobile Wallet support (Apple Pay, Google Pay, Samsung Pay)

💰 Cash Back Checking – Spend smarter + $400 Cash Bonus*

Earn rewards every time you spend! With Cash Back Checking, you’ll receive 2% cash back on your debit card purchases, up to $15 per month—that’s $180 a year just for using your card.

Receive an extra $400 when you:

1. Open a Cash Back Checking account by 10/31/25
2. Enroll in eStatements
3. Obtain a CODE VISA Debit Card
4. Maintain an average daily balance of $1,000
5. Set up and receive direct deposits totaling $1,000 or more within 60 days

Cash Back Checking benefits include:
✅ 2% cash back on debit card purchases (up to $15/month)⁴
✅ ATM fee waivers
✅ No monthly fee with eStatements +$1,000 balance⁵
✅ Free Visa® Debit Card with Tap to Pay
✅ Zelle® access for easy money transfers
✅ Free credit score monitoring
✅ Mobile Wallet compatibility
✅ 24/7 access via Online and Mobile Banking

🔒 Simple. Secure. Rewarding.

All CODE checking accounts come with smart features to help you bank on your terms:

• No minimum deposit required to open
• Free Mobile Deposit
• Multiple overdraft protection options
• Nationwide ATM access
• Free credit score monitoring
• Mobile budgeting tools

🚀 Ready to Claim Your $400?

Join the credit union that puts you first. Choose your account and start earning today:

[🔓 Open a Smart Saver Checking Account]
[💸 Open a Cash Back Checking Account]

 

*To receive a $400 cash bonus, open a new Cash Back Checking account with select services (estatements, debit card and direct deposits totaling at least $1,000 within 60 days of account opening) by October 31, 2025. To receive a $300 cash bonus, open a new Smart Saver Checking account with select services (estatements, debit card and direct deposits totaling at least $500 within 60 days of account opening) by October 31, 2025. The cash bonus will be deposited upon verification of select services. 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.

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.

⁴ 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 to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account 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 the current statement cycle. Rates and rewards are variable and may change after account is opened.

⁵Paper 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.

🍂🚗 Fetch Up to $400 This Fall with CODE’s Auto Loans! 🚗🍂

Whether you’re upgrading your ride or refinancing your current one, now’s the perfect time to rake in up to $400 cash back¹ with CODE’s Auto Loan & Refinance offer!

Here’s what you’ll get:
✅ 2% Cash Back – up to $400¹ in your pocket
✅ No Payments for 90 Days² – relax now, pay later
✅ Competitive Rates as low as 5.49% APR³– lock in a great deal before they change

From pumpkin patch pit stops to scenic fall road trips, CODE helps you drive into the season with more cash and less stress. 🍁🛣️

👉 Apply online today and make this fall one to remember!

¹Cash back reward will be 2.00% of the loan proceeds up to a maximum of $400. Refinanced loans must be transferred from another institution to qualify for the cash back reward.  Also required to receive this offer: direct deposit of net pay or $500, whichever is less, and automatic payment from a CODE Credit Union checking account. The cash back reward will be deposited into the member’s share account once the direct deposit and automatic payment are verified. The cash back reward may be reported on IRS form 1099-INT.  Offer excludes the refinancing of existing CODE Credit Union loans and loans closed at dealerships. CODE Credit Union reserves the right to bill the member for the cash incentive if the loan is paid off within 180 days of closing.
 ²No Payment for 90 days is available for new and used auto loans of $5,000 or more, closed beginning September 1, 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 January 20, 2025, whichever comes first. All offers exclude motorcycles or refinancing of existing CODE Credit Union loans.
³5.49 Annual Percentage Rate (APR) valid on new auto loans 2024 and newer, 63 month term, and subject to credit qualifications.  Rate is subject to change without notice.

🚀 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

1. Open a new Business Account with select services or upgrade your current CODE business relationship with one of the qualifying services above.
2. Receive a voucher for your FREE Print Point branding package.
3. Submit your branding assets and collaborate with Print Point’s expert design team.
4. 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.

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!

 

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.