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.
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!
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!
Smart Saver Checking also gives you:
- No minimum balance
- No monthly fees2
- 24/7 Online and Mobile Banking
- Overdraft forgiveness up to $353
- 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.
2A $2 paper statement fee will apply if not enrolled in estatements.
3 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.
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!
Welcome Home Program Returns April 6, 2026
Start preparing now with CODE Credit Union
The 2026 Welcome Home Program opens April 6 at 8:00 a.m., and funds are first-come, first-served. If you’re planning to buy a home this year, CODE can help you get ready early.
What is Welcome Home?
The Welcome Home Program offers grant funds to assist eligible homebuyers with down payment and closing costs on a primary residence.
Who Can Qualify?
To be eligible, homebuyers must:
• Have total household income at or below 80% of local MRB limits
• Contribute at least $500 of their own funds toward the purchase
• Complete a homeownership counseling program if a first-time buyer
• Qualify for the mortgage on their own (no co-signers or non-occupant co-borrowers)
All homes purchased with Welcome Home funds are subject to a five-year retention requirement.
Next Steps:
Program documents will be released in March. CODE’s mortgage team can begin working with members in January to prepare income documentation, counseling requirements, and pre-approvals.
Plan Ahead. Apply Early. Save More.
Contact CODE Credit Union to start the process and be ready when funds open on April 6.
Click HERE for more information on the Welcome Home Program.