skip to Main Content

girl wearing reindeer sweater

Bring on the holiday season with a low rate CODE Visa.

Cover everything on your Christmas list and more with a great low rate CODE Visa®.  Rates are as low as 6.25% APR.*  Transfer your higher rate card balance to a CODE Visa credit card and save money today with NO BALANCE TRANSFER FEE!  Limited time promo: Apply for a new card, complete a credit line increase of $500 or more or transfer a balance of at least $500 by December 14, 2020 and have a chance to WIN the grand prize of $250!!**  Plus, when applying for a NEW Visa Simple credit card, pay 0% interest for the first 6 months on purchases!^


*6.25% APR is a variable rate, based on credit qualifications and subject to change without notice. **Members who open a Visa credit card, complete a limit increase of $500 or more or transfer a balance of at least $500 between November 1, 2020 and December 14, 2020 will be entered into a drawing to win the grand prize of a $250 credit to their December 2020 CODE Credit Card statement. Two (2) runner ups will be selected based on the same qualifications to win either a $50 gas card or $50 Amazon gift card.  Winners will be drawn and notified the week of December 16, 2020. Balances transferred must be currently held at another financial institution. Offer does not apply to balances transferred from a current CODE Credit Union credit card or loan.  ^0% 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.  Offer subject to change without notice.

girl giving christmas gift to boyStart your holiday shopping today with a Holiday Loan!

Does your holiday shopping list include items that are outside the budget? Or maybe 2020 has caused you to be a little short this holiday season?  Borrow up to $2,000 for the holidays this year with a Holiday Loan from CODE Credit Union.  Loan rates are as low as 5.99% APR* and CODE offers convenient repayment terms up to 24 months.  Your payments could be as low as $89 a month!**  Use a Holiday Loan for anything that could make your holiday season bright!

  • Christmas Gifts
  • Electronics
  • Holiday Travel
  • Jewelry
  • Christmas Decorations

Find out how we can help you have a great holiday season!  Apply today!

*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

christmas tree by fireplace

What’s on your list to light up your holidays? There are so many great ways to get the most out of your home’s equity. Now is a great time to obtain a home equity loan or credit line, because there are NO CLOSING COSTS.*

The funds can be used to:

  • Pay college tuition
  • Remodel your kitchen, bathroom or any room in the house
  • Make improvements to landscaping
  • Prepare roofs and windows for winter
  • Debt consolidation at a great, low rate and possible tax write off**
  • Purchase an auto or refinance your auto loan or consolidate several auto loans into one
  • Take a vacation and get away this winter
  • Help with property tax bills
  • Or anything you’d like to use it for

Put your home’s equity to work today! View Rates.

* Home Equity Loans of $5,000 or more and closed by December 31, 2020 are eligible for no closing costs. If the loan is paid off within 180 days of opening date, closing costs will be assessed.                            ** Consult a tax advisor to see if the interest is tax deductible.


girl holding christmas packages
With CODE’s Platinum or Gold Visa credit card, you can earn valuable reward points while preparing for and enjoying your holidays.  And, during the months of November and December, you can earn DOUBLE POINTS.
Earn points redeemable for cash, travel, gift cards, merchandise and more!
Open a Visa credit card or apply for a credit line increase for your existing CODE Visa credit card today.
Learn more about CODE’s Visa Credit Cards
Apply Now for a Platinum rewards card.

piggy bank with holiday bow

It’s beginning to look a lot like … Christmas shopping time!  If you opened a Christmas Club account last year, you were probably excited to receive the funds just in time for the holidays.  If you don’t have a Christmas Club account yet, NOW IS A GREAT TIME TO OPEN ONE so you’ll be ready for next year. If you deposit just $20 per pay, it adds up to around $500. Wouldn’t that be AMAZING to have for purchasing Holiday Gifts and Cards, Holiday Parties, Travel Plans and more.
A Christmas Club account can also be used to save for taxes or other year end expenses. It’s so easy to open an account and start saving. Open an account directly through Access 24 today by logging in and selecting “Add An Account.”
Find more information on Christmas Club accounts here.
Open a Christmas Club in the month of December and you’ll be entered to WIN a $50 credit to your Christmas Club.*

*Anyone who opens a Christmas Club account between 11/16/20 and 12/31/20 will automatically be entered into a drawing to WIN one (1) of three (3) $50 credits to the Christmas Club. No purchase necessary.

funny little kid in toy car

You better believe it!  Take advantage of CODE’s fall auto loan special and make NO PAYMENT UNTIL NEXT YEAR!*
Drive away in a new vehicle today and make NO PAYMENT UNTIL JANUARY 2021!  Or refinance an auto loan that you’re paying a higher rate on at another financial institution. CODE has great low rates on auto loans.
APPLY ONLINE or call (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 Oct. 1, 2020.  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, 2021, whichever comes first.  Offer excludes loans closed at dealerships, motorcycles or refinancing of existing CODE Credit Union loans.