CODE Credit Union has a NEW Online Account Opening Feature. With our new Digital Front Door, become a member and open your account entirely digitally IN MINUTES. Wherever you are, use your phone to get your new CODE account started. Just enter your identification information, choose your accounts and select an account to transfer funds from and you’re done!
At anytime, anywhere, on your mobile device or any device of your choosing, you can open your new CODE account in just three minutes. It’s quick, and secure. And in no time at all, you’ll become a valued CODE Credit Union member with one of our new checking accounts that offers all of the digital tools you need to stay connected to your finances, and simple ways to help you save money with Debit Round Up or Cash Back on debit card purchases.
We invite you to find what checking account option works best for you, and welcome you to try our seamless online account opening experience. Give it a try today and become a CODE Credit Union member!
The holidays are quickly approaching. Halloween, Thanksgiving, and Christmas are right around the corner, and CODE has you covered for all of your upcoming holiday shopping needs! Cover everything on your lists and more with a CODE Visa® Credit Card.
CODE offers a variety of credit cards. Pick the one that best fits your needs and get all the benefits that come with it:
- Easy, online application with FAST approvals1
- Rates as low as 11.00% APR2
- NO annual fee on a Visa Simple, Gold or Platinum!
- NO balance transfer fee. Transfer a balance and begin saving immediately!
- Earn reward points with a CODE Visa Gold or Platinum card3
- Buy Now Pay Later is available to divide large, qualifying purchases over monthly installment payments at a lowered interest rate4
- Add a card to your digital wallet for quick access and contactless payments using Mobile Pay
Apply for a new CODE Visa credit card during the month of October for a chance to WIN $100 for your holiday shopping!*
APPLY ONLINE FOR A NEW CODE VISA
1 Approval is subject to credit qualifications. 2 11.00% APR (Annual Percentage Rate) is a variable rate, based on credit qualifications, and subject to change without notice. Visit codecu.org for more rate information. 3 Learn more about the Visa Gold and Platinum rewards program at codecu.org. 4 CODE Visa Online or The CODE Visa Mobile App are required to use Installment Payments. CODE Credit Union may change APRs, fees and other account terms in the future based on your experience with CODE Credit Union and its affiliates as provided under the Cardmember Agreement and applicable law. Account must be open and in good standing to earn and redeem rewards and benefits. Please refer to Frequently Asked Questions at codecu.org for more information. Purchase must be greater than $100 from qualifying merchants. Installment payment available for six (6), twelve (12) and eighteen (18) month terms, split evenly over term, depending on qualifications. Interest rate will be provided via the CODE Visa Online Mobile App and will be contingent on qualifying purchase. *Members who open a Visa credit card during the month of October 2024 will be entered into a drawing to win a $100 credit to their CODE Credit Card statement or their CODE Credit Union share account. Winner will be drawn and notified within the first two weeks of November 2024.
Listen to what your finances are saying! Opening your Checking Account with CODE Credit Union is the smart way to save money and earn rewards. And you can open the account entirely online from your phone, or any device of your choosing, IN MINUTES. Pick which Checking Account best fits your needs:
Smart Saver Checking
Saving money isn’t always easy. With CODE’s Smart Saver Checking account, you can save automatically while you use your debit card for everyday purchases. Growing your savings account will become effortless with CODE’s Debit Round Up.1
In addition to Debit Round Up, eligible members will receive Overdraft Forgiveness up to $35. CODE has you covered if you run a little short. Overdrafts will be paid up to $35 with no overdraft fee.2
Open your Smart Saver Checking now!
Cash Back Checking
Earning CASH BACK is a great feeling! With CODE’s Cash Back Checking account, you can earn 2% CASH BACK up to $15 just for using your debit card for everyday purchases. Put your debit card to work and receive cash back for things you buy everyday!3
In addition to cash back, you’ll have easy access to your money at any ATM that’s convenient for you. With a Cash Back Checking account, ATM fees are always waived.
Open your Cash Back Checking now!
Open your checking account with CODE today and make a minimum $50 opening deposit, plus complete 15 debit card transactions within the first 30 days, and receive a $50 bonus!* And if you open the checking account online, you will be entered into a drawing to receive a $100 Visa® Gift Card!^
CODE’s new Checking accounts have all of the digital tools you need to stay connected to your finances, and you can open your account completely online in minutes. See for yourself how easy it is.
1A Smart Saver Share account is required to participate in the debit round up feature.
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.
3If Cash Back Qualifications are met, earn 2% cash back up to $15 per month. See account agreement for full listing of Cash Back Qualifications.
*NEW checking accounts only, opened in the month of October 2024. Open either a Smart Saver Checking or Cash Back Checking and deposit $50 at the time of opening. Must complete at least 15 debit card transactions within 30 days of open date. Account must be signed up for eStatements. If all these requirements are met, CODE will deposit a $50 bonus into the checking account.
^If the NEW checking account is opened online in October 2024, either Smart Saver or Cash Back, the member will be entered into a drawing to receive a $100 visa gift card. Winner will be selected randomly and notified within the first two weeks of November 2024.
As a CODE Credit Union credit cardholder, you now have the power to divide large, qualifying purchases over monthly installment payments at a lowered interest rate.*
Buy now, select your purchase, select your monthly installment plan, and pay back your purchases on your terms. Take control of your repayment options!
Here’s How:
Step 1:
Download the CODE Visa Online Mobile App
Step 2:
Make qualifying purchases at your favorite retailer
Step 3:
Choose your installment plan in the mobile app
Step 4:
Pay back your purchase on your terms.
Not a CODE Visa credit card holder yet? Apply now and receive a fast approval. CODE has a variety of credit cards designed to suit your needs whether you’re looking for a card with rewards or just a great low rate with no frills.
*CODE Visa® Online or The CODE Visa Mobile App are required to use Installment Payments. CODE Credit Union may change APRs, fees and other account terms in the future based on your experience with CODE Credit Union and its affiliates as provided under the Cardmember Agreement and applicable law. Account must be open and in good standing to earn and redeem rewards and benefits. Please refer to Frequently Asked Questions at www.codecu.org for more information. Purchase must be greater than $100 from qualifying merchants. Installment payment available for six (6), twelve (12) and eighteen (18) month terms, split evenly over term, depending on qualifications. Interest rate will be provided via the CODE Visa Online Mobile App and will be contingent on qualifying purchase.
We just KNOW you will love this Auto Loan Promo at CODE! Going on now, NO PAYMENT TIL NEXT YEAR!*
What are you waiting for? You can drive away in a new or used vehicle today and make NO PAYMENT UNTIL JANUARY 2025! Or, refinance an auto loan from another financial institution to lower your interest rate. CODE has great low rates, as low as 6.24% APR.^
APPLY ONLINE with our fast and secure online loan application, or give us a call at (937) 222-8971 and talk to a Financial Services Representative today!
*No payment until next year is available for new and used auto, RV and boat loans of $10,000 or more, closed beginning October 1, 2024. 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. Both offers exclude loans closed at dealerships, motorcycles or refinancing of existing CODE Credit Union loans. ^6.24 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.
You could WIN $5,000!*
The Credit Union Give Back Sweepstakes has returned this year, and it’s designed to provide you with an opportunity to boost your finances!
Participating is simple: Use your CODE Visa Platinum or Gold Credit Card a minimum of four times per week between July 8 and October 27, 2024 and you will receive one entry into the sweepstakes (4 eligible purchases = 1 entry). *Or, to enter without making a purchase see the Official Rules. Each month, five lucky individuals will be randomly selected as winners, taking home a prize of $5,000 each (subject to verification).
Remember, the more entries you accumulate (as noted above), the greater your chances are of joining the ranks of the 20 fortunate winners! For complete entry and prize details including how to enter without making a purchase, please refer to the complete Official Rules.
Find more details here.
*No purchase, entry fee, or credit card usage of any kind necessary to enter or win. Open to Rewards Program cardholders, who are legal residents of the 50US, DC & PR, 18 or older. Sweepstakes has four separate entry periods with end dates of 8/4/24, 9/1/24, 9/29/24, 10/27/24. Void where prohibited. Subject to Official Rules with free entry method: https://cugivebacksweepstakes.com/.
Your Credit is Your Power!
Your credit score is the “superpower” that can pave the way for good financial health and help you achieve your dreams. That’s why CODE offers Credit Score, powered by Savvy Money®.
Understanding the factors contributing to your three-digit credit score is essential, and Credit Score provides you with the tools to do just that, conveniently located within our mobile banking app. By knowing what goes into calculating your credit score, you can make informed decisions to maintain a healthy credit score and make the best financial choices.
The best part? Credit Score is absolutely FREE, and you can check and refresh your credit score and credit report every day without any negative impact on your score.
It’s ALL in Credit Score.
- Personalized Credit Report
- Real-Time Credit Monitoring Alerts
- Credit Goals and Action Plan
- Credit Score Simulator
- Credit Score Education
- And More!
Your Credit. Your Power. Unleash your financial superpower by logging in to check your score today!
Find Credit Score & Report on the dashboard of Online or Mobile Banking and select “Show My Score” to enroll today!
PLUS, if you sign up for Credit Score or log in as an existing user during the month of October, you will be automatically entered into a drawing for your chance to WIN $50!*
*Members will receive an entry into the drawing if they sign up for Credit Score during the month of October 2024. Members will receive an entry into the drawing if they are an existing Credit Score user and log in at least one time during October 2024 to check their score. A total of two winners will be randomly selected and notified to win a $50 deposit into their share account at CODE. Winners will be randomly selected and notified within the first two weeks of November 2024.
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 2024 and have a chance to WIN a $100 Visa® Gift Card!*
*All Health Savings Accounts opened between 9/1/24 and 12/31/24 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 2025. ^Rates are subject to change without notice.