Take Control of Your Finances This Fall—with CODE!
Did back-to-school shopping or summer vacation leave your budget feeling stretched? A CODE Credit Union Visa® Credit Card can help you regain control with 0% APR on balance transfers for 12 months—and no balance transfer fee!*
Transfer qualifying high-rate balances to CODE and enjoy a full year at 0% interest without having to pay a balance transfer fee.
Why Transfer Your Balance This September?
📚 Manage Back-to-School Expenses
Consolidate expenses from school supplies, clothing, technology, activity fees, and more into one manageable payment.
🍁 Get Ahead Before the Holidays
Start paying down existing balances now and create more breathing room in your budget before holiday spending begins.
📅 Give Yourself More Time
Enjoy 12 months of 0% introductory APR on balance transfers while working toward your financial goals.
💡 Simplify Your Finances
Whether you’re recovering from summer spending or managing multiple payments, a balance transfer can help you start fresh this fall.
Already Have a CODE Visa?
Transfer a balance through Access 24 Online Banking:
- Log in to Access 24.
- Select CODE Visa Online.
- Choose Balance Transfer.
For personal assistance, call 937-222-8971 to speak with a Member Services Representative.
Transfer Your Balance Today
This limited-time offer ends October 30th, 2026. Make your move to a CODE Visa and start building a stronger financial future.
*0% introductory APR offer applies to balances transferred between 9/1/26 and 10/30/26. Purchases and previous card balances are subject to the current interest rate of the respective card program. Offer does not apply to the refinancing of existing CODE Credit Union debt. For current rates, visit codecu.org/rates. Limited-time offer. Subject to change without notice.
Open a Checking Account—and CODE Could Pay Your Bills!
Bills are a part of life, but this fall, CODE Credit Union could take care of them for you!
Open a new CODE checking account and establish qualifying direct deposit for a chance to have CODE pay up to $1,000 toward your monthly bills.*
Use your CODE checking account to manage everyday expenses like:
- Rent or mortgage payments
- Utilities
- Auto payments
- Insurance
- Phone and internet service
- Other eligible household bills
How to Enter
- Open a new CODE checking account between September 1 and September 30, 2026.
- Establish a qualifying direct deposit within 60 days of account opening.
- Keep your account open, in good standing, and complete select services* ( Select services include enrollment in estatements, 15 debit card transactions within the first 30 days after account opening and direct deposits totaling at least $500 within the first 60 days of account opening).
- You’ll automatically be entered for a chance to have CODE pay up to $1,000 toward your eligible bills!
Make Paying Bills a Little Easier
A CODE checking account gives you convenient access to Online and Mobile Banking, a CODE Visa® Debit Card, mobile check deposit, and more.
Open your account today, make CODE your primary financial institution, and you could get a little extra help with your monthly expenses!
*NO PURCHASE NECESSARY. Promotion available to eligible individuals who open a new CODE Credit Union checking account with select services between 9/1/26 and 9/30/26. Select services include enrollment in estatements, 15 debit card transactions within the first 30 days after account opening and direct deposits totaling at least $500 within the first 60 days of account opening. Member will be presented an enrollment form during the online account opening process to complete in order to be entered into the drawing. Must not have had a previous checking account with CODE Credit Union within the last 12 months. One winner will be selected at random to receive reimbursement for eligible household bills, up to a maximum of $1,000. Documentation of eligible expenses may be required. Account must remain open and in good standing through the drawing and prize-payment dates. Alternative method of entry and complete eligibility, entry, drawing, prize, and notification requirements will be provided in the Official Rules. Prize may be reported as taxable income. Membership eligibility and account-opening requirements apply. Void where prohibited. CODE Credit Union reserves the right to modify or discontinue this promotion at any time. Complete Official rules can be found HERE.
More Room. More Flexibility.
Life changes, and sometimes your financial needs change with it. If your current credit line no longer gives you the flexibility you need, it may be time to see if you qualify for an increase.
Whether you’re looking for more purchasing power or additional access to funds, CODE Credit Union may be able to help you get more room when you need it.
Explore Your Options
CODE Visa® Credit Cards
Need a little more room for everyday purchases, larger expenses or unexpected costs? You may qualify for a higher credit limit on your CODE Visa® Credit Card. Apply for an increase.
Ready Cash Line of Credit
Having additional available credit can provide flexibility when expenses come up. If you’d like to increase your Ready Cash Line of Credit or apply for a Ready Cash Line of Credit, click HERE.
Home Equity Lines of Credit
If your home’s equity has grown or your financial needs have changed, you may have an opportunity to increase your available credit. A Home Equity Line of Credit is a great way to consolidate debt or make a large purchase while keeping the interest rate low. Apply Now.
Ready for More Flexibility?
If you already have a qualifying CODE credit product, talk with us about whether a credit line increase may be right for you. Stop by a branch, give us a call at 937-222-8971 or apply online today to get started.
Credit line increases are subject to credit approval and applicable terms and conditions. Additional eligibility requirements may apply.
Financial Services Made Clear — Here to Help, In Spanish
Managing your money should feel simple, not confusing. At CODE Credit Union, we’re supporting you whenever you need it!
Whether you’re opening an account, applying for a loan, building savings, or preparing for unexpected expenses, you’ll receive information you understand and service you can trust—every step of the way.
Visit a Branch & Give It a Try!
Stop by any CODE Credit Union branch and experience our Spanish translation tablets, designed to help make conversations with our team easier and more comfortable.
While you’re there, take a Spin on the Wheel for your chance to win up to $50! It’s a fun way to celebrate your visit while learning more about the financial products and services available to you.
Who We Are
CODE Credit Union is a member-owned, community-focused financial institution. We serve individuals and families by providing straightforward financial solutions, personal support, and a commitment to helping you succeed.
We believe everyone deserves access to clear, honest financial services—no matter their background or experience with the U.S. financial system.
What Is a Credit Union?
A credit union is different from a bank. It’s a financial cooperative owned by its members—the people who use it.
That means:
- You’re a member and an owner—not just a customer.
- Your needs come first, not profits.
- Profits are returned to members through better rates and lower fees.
- You receive more personalized, relationship-based service.
- Credit unions invest in and support their local communities.
It’s a simpler, more people-focused way to manage your money.
Why Choose CODE Credit Union?
At CODE, we focus on making your financial life easier, clearer, and more accessible.
- Spanish-Language Support – Communicate more comfortably with the help of our Spanish translation tablets available in every branch.
- Clear, Simple Guidance – No confusing terms or overwhelming processes.
- Better Value – Competitive rates and fewer fees compared to traditional banks.
- Personal Service – Real people who take the time to understand your needs.
- Community Commitment – We’re here to support the people and neighborhoods we serve.
Whether you’re just getting started or working toward long-term financial goals, we’re here to help you move forward with confidence. Learn more about banking in the U.S. HERE.
Get Started Today
Visit any CODE Credit Union branch to try our Spanish translation tablets, meet with a team member, and take a Spin on the Wheel for a chance to win up to $50!
We’re here to make banking easier, clearer, and more accessible for everyone.
Debt Detox Loan from CODE Credit Union
Take control of your debt with one simple payment.
If high-interest credit cards or multiple loan payments are weighing you down, CODE Credit Union’s Debt Detox Loan can help simplify your finances and potentially save money on interest.
For a limited time, rates are as low as 7.99% APR* on personal loans up to $5,000 with repayment terms up to 60 months. Need to consolidate more than $5,000? No problem! Check out our other personal loan rates HERE.
Debt Detox Loan Benefits
- Rates as low as 7.99% APR*
- Borrow up to $5,000
- Consolidate multiple debts into one convenient monthly payment
- Flexible repayment terms up to 60 months
- Fast, local lending decisions
- Simple application process
Stop juggling multiple due dates and start working toward financial freedom with a payment that fits your budget.
Apply today and take the first step toward a debt-free future.
*APR = Annual Percentage Rate. Rates are based on credit and income qualifications and are subject to change without notice. Maximum loan amount is $5,000 and maximum repayment term is 60 months. Additional terms and conditions may apply.
Buy One Loan. Get One 25% Off!
Looking to purchase a vehicle or lower your monthly payments? For a limited time, CODE Credit Union is making it even more rewarding to finance with us. When you finance one qualifying loan with CODE and refinance a second qualifying loan from another financial institution, we’ll reduce the interest rate on the loan with the lower balance by 25% .** With current auto loan rates as low as 5.24%* APR, your second qualifying loan could receive a rate as low as 3.93% APR .** That’s an opportunity to save hundreds over the life of your loans.
You can take advantage of this offer by securing any two qualifying loans with options including:
- Purchase a vehicle and finance it at CODE.
- Refinance a vehicle loan currently financed at another financial institution.
- Obtain a personal loan with a minimum loan amount of $5,000.
This means you could get a $20,000 auto loan at 5.24% APR and finance another loan of at least $5,000 and receive a 25% reduced rate on that second loan – as low as 3.93% APR. CODE is committed to helping members lower their monthly payments and reduce interest costs – without hidden fees. Take advantage of this limited-time offer and see how much you could save. Apply online today, visit any CODE Credit Union branch, or speak with a Financial Services Representative to get started.
*5.24% APR valid on new and used auto loans with 60-month term and qualified credit.
** BOGO discounting does not include loans currently financed with CODE Credit Union. Discounted loan rate may not be reduced to lower than 3.93% APR. BOGO 25% off rate will be applied to the loan with the lowest balance. Each qualifying loan must be at least $5,000 to be eligible for the promotional rate reduction. BOGO cannot be combined with any other offer and is not available for Visa credit cards, dealership loans, Ready Cash lines, loans secured by real estate, or any open-ended credit. Membership eligibility required. Standard underwriting applies. Promotional rate applies only after both loans are approved and applies to the lower balance loan at the time of application. Limited-time offer. Terms and conditions may change without notice.
Take Control of Your Business Cash Flow
Running a business means managing payroll, vendor payments, deposits, and more. CODE Credit Union now offers new cash management services designed to help you move money faster, reduce risk, and simplify daily operations.
Cash Management Tools Built for Your Business
ACH Origination
Send and receive payments electronically with greater speed and control.
• Pay vendors and collect payments electronically
• Reduce paper checks and mailing delays
• Set up recurring payments
• Track transactions in real time
• Improve cash flow and reduce admin work
Remote Deposit Capture (RDC)
Deposit checks from your office—no branch visit needed.
• Deposit multiple checks using a desktop scanner
• Process deposits in minutes
• Eliminate branch trips
• Secure, encrypted technology
What This Means for Your Business
- Faster access to funds
• Lower processing and mailing costs
• Fewer manual tasks and errors
• More time to focus on growth
Limited-Time Early Access Offer
Enroll by September 30th and receive:
• 6 months of waived fees
• Free standard RDC scanner* (while supplies last)
• 1-on-1 setup support
Business Accounts, Loans, and Credit Options
CODE Credit Union offers flexible solutions to support businesses at every stage—from everyday banking to long-term growth.
- Business Checking options for every size of business (LEARN MORE)
• Business VISA Credit Cards with no annual fee and competitive rates
• Fixed loans and lines of credit to support your business growth
Learn more about CODE’s Business Checking or contact us for loan rate information.
Click HERE to complete our form and a business development representative will contact you.
*Free scanner refers to a standard check scanner provided at enrollment. Advanced models may incur an additional cost. Offer subject to availability and may change without notice.
Is this deal for real? Yes, it is! Apply for a new CODE Visa® Simple Credit Card today and save money by using this low-rate card to make all your purchases this fall.
Here’s One Good Reason After Another to do all your shopping with a CODE Visa:
- Easy, online application with FAST approvals.1
- This LOW-RATE card has no annual fee.
- NO Balance transfer fee. Transfer a balance from a higher rate card today and begin saving immediately.
- Pay 0% interest for 6 months on purchases2
- Add your card to your digital wallet for effortless access.
1Approval is subject to credit qualifications.
20% interest for 6 months is an introductory rate on purchases for NEW Visa Simple credit cards. Once the 6 months is over, the Annual Percentage Rate (APR) is a variable rate and is based on the Wall Street Journal prime rate. For current rates, go to codecu.org/rates. Offer subject to change without notice. Offer does not apply to current CODE Credit Union Visa cardholders.
3Rebate is awarded based on total travel and dining out purchases made during the promotional period of 6/1/26 through 8/15/26. A $25 rebate will be issued to cardholders who complete $1,000 or more in total qualified purchases or $50 rebate will be issued to cardholders who complete $2,500 or more in total qualified purchases. Limit one rebate per card account for a maximum rebate of $50. Accounts must be in good standing to receive rebate. CODE Credit Union shall determine which purchases qualify and will not be responsible for merchant misclassifications. Eligible merchant categories include: airlines, rental cars, automated fuel dispensers, automobile parking lots and garages, truck stop transactions, travel-related arrangement services, hotels, resorts, casinos, health and beauty spas, bars, taverns, nightclubs, cocktail lounges, discotheques, eating places and restaurants, fast food restaurants, duty free stores, campgrounds and trailer parks, timeshares, air carriers, airports, airport terminals, flying fields, boat rentals and leases, bus lines, cruise lines, local and suburban commuter/passenger transportation including ferries, passenger railways, railroads, taxicabs and limousines, tolls/bridge/road fees, transportation services, travel agencies and tour operators. Cash advances, balance transfers, fees, and finance charges are not considered qualifying purchases. Click here for a full listing of qualifying merchant category codes and descriptions. This offer expires 8/15/26. Appropriate rebate credit will automatically be posted to your share account within 3 weeks after the promotion end date and is non-transferable.
Smart Money Mornings: Business Edition
Smarter Business. Stronger Financial Operations.
Join CODE Credit Union and a few of our trusted vendors for a free virtual webinar designed for business owners and leaders.
Discover practical strategies to:
- Reduce payment processing costs
- Improve cash flow
- Streamline daily workflows
- Support employee financial wellness
- Improve your business’ online visibility
Whether you own a retail shop, restaurant, service business, or growing company, you’ll walk away with ideas you can put to work right away.
Tuesday, September 15, 2026
9:00–10:00 AM EDT
Online via Microsoft Teams
Free to attend. Click HERE to sign up!