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It’s as easy as 1-2-3! Complete an auto loan application online at, receive an approval and close the loan all from the comfort of your home.  And, for a limited time, receive 2% Cash Back up to $500* when you refinance your existing car loan with another institution. Now is the perfect time to do it. Rates are LOW! PLUS, you’ll receive up to $500 Cash Back when you refinance a vehicle loan with CODE. LOW RATES and CASH IN YOUR POCKET is just one of the ways CODE can help you improve your finances today.  APPLY NOW.

*Cash back reward will be 2.00% of the loan proceeds up to a maximum of $500 and will be paid at closing. Refinanced loans must be transferred from another institution to qualify for the cash back reward.  Also required to receive this offer: direct deposit and automatic payment from a CODE deposit 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. Limited time offer. Subject to change without notice.

scared girl in the dark with a flashlight

Scared to open your heating bill?  Or, has spending more time at home given you some ideas about updating your space?

Use your home’s equity to improve energy efficiency with a new furnace or windows. Or, bring your creative visions for your home to life!  It’s never been so easy to apply, get approved and receive funds. With CODE’s new online application portal, you can apply for a home equity loan online while staying safe at home.

Now is a great time to apply for a Home Equity Loan or Credit Line because there are NO CLOSING COSTS.*  Plus you will be entered into a drawing for your chance to WIN a $500 gift card to the home improvement store of your choice!**

The funds from a Home Equity Loan or Credit Line can be used to:

  • Save on energy bills with a new furnace
  • Improve your home’s efficiency with new windows
  • Add a home office
  • Remodel your kitchen, bathroom, or any room that needs updating
  • Be prepared for unexpected expenses with a Home Equity Credit Line
  • Pay for a child’s college tuition
  • Fund any large purchase
  • Consolidate debts at a great, low rate and possible tax write off^
  • Purchase an auto or refinance your current auto loan(s)

There are so many ways to put your home’s equity to work TODAY!  Rates are LOW.  And you can Apply Online!  Once you fill out the convenient online application, turnaround is fast, and the closing process is simple.

Apply Online Now or call (937) 222-8971 with questions!

*Home Equity Loans or Credit Lines of $5,000 or more and closed by April 30, 2021 are eligible for no closing costs.  If the loan is paid off within 180 days of opening date, closing costs will be assessed.  **To be entered for your chance to win a $500 gift card to the store of your choice (Lowe’s, Home Depot, or Menard’s) you must obtain a Home Equity Loan or Credit Line that qualifies for No Closing Costs.  With a home equity credit line, you must advance at least $5,000 from the line at closing to be eligible for a chance to win the gift card.  Member will be selected randomly and notified after May 1, 2021.  ^Consult a tax advisor to see if the interest is tax deductible.

french doors for welcome home

Have you been dreaming of buying a house, but you need funds for a down payment?  Ask CODE’s Mortgage Specialist how to receive up to $5,000 in grant funds!

The Federal Home Loan Bank has a program that YOU need to know about. It’s called Welcome Home® and it will be available soon.

Beginning March 1, 2021, funds can be reserved for the purpose of putting toward the down payment on a home. Up to $5,000 will be granted to members on a first come, first served basis. These funds can be used in conjunction with many types of mortgages including First Time Home Buyer and more. There are also other down payment assistance programs that can be combined with this grant from the Welcome Home program.

We would love to help as many CODE members as possible with this grant, so call Greg Lockard, Mortgage Loan Specialist, at (937) 222-8971 ext. 1120 today to find out how to reserve your funds, or email Greg at

Greg Lockard
NMLS # 376636
Mortgage Loan Specialist
(937) 222-8971 ext. 1120



empty pants pockets

If extra expenses have you running behind or you just need to get a handle on some debt, we can help. Let CODE Credit Union help eliminate debt by consolidating higher rate debt into one easy, low payment. With our easy online application process, you can get cash for whatever you need without leaving your home.

CODE’s personal loan features a fixed rate with simple repayment terms. Rates are as low as 5.99% APR* and payments as low as $89 per month!**  There’s One Good Reason After Another to Apply Now.

CODE’s Ready Ca$h credit line features a fixed low rate and credit line amounts to meet your individual needs. Funds are advanced as needed conveniently and securely through Access 24 online banking. Learn More or Apply Now.

*5.99% Annual Percentage Rate (APR) is based on credit qualifications and subject to change without notice. **$89 per month is based on a $2,000 loan at 5.99% APR (Annual Percentage Rate) with a 24 month repayment period.  Talk to a CODE Financial Services Representative today or APPLY ONLINE at

car keys

What’s on your agenda this Spring? If buying a car is at the top of your list, check out CODE’s great LOW auto loan rates!

Rates are as low as 2.49% APR* for new and used vehicle purchases!

With CODE’s low rates and our EASY online application, you can get a fast pre-approval and hit the road in no time in your NEW car.
APPLY NOW with our simple and secure online loan application portal.

*2.49% APR (Annual Percentage Rate) is subject to credit qualifications and subject to change at any time without notice.

asian woman with glasses and piggy bank

Financial Check Up

Perhaps now more than ever, your mind is on maximizing your finances. The beginning of a new year is a great time to take note of areas to improve or adjust.  CODE Credit Union is ready to partner with you in taking the necessary steps to improve your overall financial health and set realistic goals to shape up your finances in 2021 and beyond.


The first step is to identify areas that may need attention.  To get started, go to CODE’s Financial Check Up Page.