Get a $100 Holiday Checking Bonus
Give your holiday budget a $100 boost.* Open a new CODE checking account and complete the steps below to receive a $100 bonus deposited into your account.
Available to the first 10 eligible members who qualify between November 1 and December 31, 2026.*
Put your bonus toward holiday gifts or save it for the new year. With online banking, eStatements and a CODE Visa debit card, your checking account also gives you convenient ways to manage everyday spending.
How to get your bonus
- Open a new CODE checking account with a minimum opening deposit of $50.
- Enroll in online banking and eStatements.
- Get a CODE Visa debit card.
- Complete 10 debit card transactions.
Once we verify that you have met all the requirements, we will deposit your $100 bonus.*
Already a CODE member without a checking account? You can take advantage of this offer, too.
Visit a CODE branch, call (937) 222-8971, or click HERE to open your account.
*Offer available November 1 through December 31, 2026, to the first 10 eligible members who open a new CODE checking account with a minimum opening deposit of $50, enroll in online banking and eStatements, and obtain a CODE Visa debit card. Additionally, at least 10 debit card transactions are required within 45 days of account opening. The $100 bonus will be deposited into the new checking account within 60 days after verification. Member will be presented an enrollment form during the online account opening process to complete in order to receive the cash bonus. Must not have had a previous checking account with CODE Credit Union within the last 12months. Limit one promotional bonus per member. Bonus may be reported on IRS Form 1099-INT. CODE Credit Union reserves the right to modify or terminate this offer at any time.
🎄 Double the Cheer This Holiday Season with a CODE Visa® Credit Card! 🎁
Get rewarded while you prep, shop, and celebrate the holidays! With a CODE Platinum or Gold Visa® credit card, you’ll earn DOUBLE REWARD POINTS on all eligible purchases made in November and December 2026.*
That means more points for:
✨ Holiday gifts
✨ Travel expenses
✨ Festive meals and decorations
✨ And all your seasonal splurges!
Redeem your points for cash back, gift cards, travel, merchandise, and more — just in time to treat yourself after the holiday rush.
Don’t have a CODE Visa yet?
🎅 Apply now for a Rewards Visa credit card
🎄 Already a cardholder? Consider requesting a credit line increase to boost your holiday spending power by applying HERE.
👉 [Apply Now for a CODE Rewards Visa® Credit Card]
👉 [Learn more about CODE Visa® Credit Cards]
*Earn two (2) points for every $2 in eligible net purchases with your CODE Gold Visa®.
Earn two (2) points for every $1 in eligible net purchases with your CODE Platinum Visa®.
Reward points are redeemable through CURewards — visit CURewards.com for more information.
Be Ready for the 2027 Holidays — Start Saving Now with a CODE Christmas Club Account
The holidays are here — and if you had a Christmas Club account this year, you’re probably enjoying the extra funds right when you need them most.
If not, now’s the perfect time to plan ahead. A Christmas Club account makes it easy to save gradually throughout the year, so you’re financially prepared for next holiday season. Deposit just $20 per pay period, and by next November, you’ll have around $500 ready to use — no last-minute stress, no holiday debt.
A Christmas Club account isn’t just for holiday shopping — it’s also a smart way to set money aside for taxes or other year-end expenses.
Opening an account is simple:
- On desktop: Log in to Online Banking > Go to “ACCOUNTS” > Click “Apply for an account or loan”
- On mobile: Tap “ACCOUNTS” > Scroll down > Select “Add an account”
Special Offer: Open a Christmas Club account during November or December 2026, and be entered into a drawing for a $250 deposit straight into your Christmas Club account! *
*Anyone who opens a Christmas Club account between 11/1/26 and 12/31/26 will automatically be entered into a drawing to WIN one $250 deposit into their Christmas Club account. No purchase necessary. Winner will be chosen in January of 2027.
Plan for What Matters Most
Estate planning is now available through CODE Credit Union and Legal Karma
Planning for the future is one way to care for the people who matter most. CODE Credit Union has partnered with Legal Karma to offer a guided online way to create important estate planning documents at your own pace.
Save 40% off your total cost when you choose a Legal Karma estate planning package.
What can you plan for?
- A will to document how you want your assets distributed and name guardians for minor children.
- A revocable living trust to help plan how assets will be managed and passed on.
- A financial power of attorney to name someone you trust to handle financial matters if you cannot.
- An advance healthcare directive to record your care preferences and name someone to make healthcare decisions for you.
- A HIPAA authorization to identify who may access your medical information.
The documents included depend on the package you choose.
Choose a package, answer guided questions online, and review your documents before following the signing instructions for your state. Legal Karma support is available along the way.
Start planning today and save 40% during your first month. Set up a free consultation by clicking HERE.
Estate planning services are provided by Legal Karma. Neither Legal Karma nor CODE Credit Union provides legal advice. Consult a qualified attorney for advice about your individual situation. The 40% discount offer is a limited time offer ending December 31st, 2026.
Your First Payment Can Wait. A Little Help From CODE.
A vehicle is a big purchase, and the expenses don’t stop when you get the keys. Between insurance, maintenance, and everything else competing for your budget, a little extra help can make a difference.
That’s why CODE is offering qualifying borrowers three ways to save on their next auto loan: no payments for 90 days1, $250 off GAP or Depreciation Protection2, and a $100 Visa® gift card3 in time for holiday shopping. Whether you’re shopping for a new ride or keeping the vehicle you already love, your next auto loan could come with real breathing room.
Shopping for Your Next Vehicle? Start With CODE.
Before you head to the dealership, explore your financing options with CODE. Whether you’re buying new or used, our lending team can help you review available rates and terms so you can make a decision that fits your budget.
Finance an eligible vehicle directly through CODE and you could qualify for these offers. Talk with us before completing your financing at the dealership to make sure your loan is eligible.
Already Have the Car? You Can Still Save.
You don’t have to purchase another vehicle to take advantage of this offer.
If your current auto loan is with another financial institution, let CODE review your refinancing options. We can help you compare your current loan with available CODE terms, including the interest rate, monthly payment, and total borrowing cost.
If refinancing makes sense for you, moving an eligible auto loan to CODE could also qualify you for these offers.
Here’s How It Works
- Skip your payments for 90 days. Finance or refinance an eligible auto loan of $10,000 or more directly through CODE during the promotional period, and your first payment won’t be due for 90 days.1
- Save $250 on GAP or Depreciation Protection. Choose GAP or Depreciation Protection insurance with your loan and receive a $250 discount when you borrow $10,000 or more and set up automatic loan payments from a CODE checking account.2
- Earn a $100 Visa gift card. Have a monthly direct deposit of $500 or more into your CODE account, and receive a $100 Visa gift card, just in time for holiday shopping.3
Let’s Find the Right Financing for Your Next Move.
Buying your next vehicle or considering a change to your current loan? Start with a conversation with CODE.
[Apply online], visit a CODE branch, or call (937) 222-8971 to speak with our lending team.
1 No payment for 90 days is available for new and used auto of $10,000 or more, closed beginning November 1, 2026. Interest will continue to accrue from the time the loan is disbursed. The first payment will be 90 days from the closing date.
2$250 discount offer is valid on new, used, and refinanced auto loans of $10,000 or more funded by CODE Credit Union between 11/1/26 and 11/30/26. GAP Waiver and Depreciation Protection are optional debt cancellation products, not insurance. GAP is optional and not required to obtain an auto loan with CODE Credit Union. Your loan approval, rate, and terms are not conditioned on the purchase of a GAP Waiver or Depreciation Protection. The $250 discount on a GAP Waiver or Depreciation Protection debt cancellation product requires automatic loan payments from a CODE checking or savings account; the discount will be applied at the time of purchase. Terms, conditions, and exclusions of the debt cancellation agreement apply; see your agreement for details.
3The $100 Visa gift card offer is valid for all new, used, and refinanced auto loans of $10,000 or more funded by CODE Credit Union between 11/1/26 and 11/30/26 and requires a recurring monthly direct deposit of at least $500 into a CODE account and the first direct deposit must occur within 30 days of account opening. Automatic payment from a CODE checking or savings account is also required to be eligible for the gift card. Gift card will be given to member within 30 days of qualifying and is limited to one card per member. Gift card value may be reportable as taxable income.
All offers exclude loans closed at dealerships, motorcycles, boat, RV, or refinancing of existing CODE Credit Union loans. Membership and loan approval required.
Make More of Home This Holiday Season
No Closing Costs^ on Home Equity Loans | Rates as low as 5.99% APR*
From welcoming loved ones to planning projects for the new year, there’s plenty to look forward to at home. With a home equity loan from CODE Credit Union, you can use the equity you’ve built to make improvements, consolidate higher-interest debt, or cover a major expense.
Put Your Equity to Work This Holiday Season
- Get your home ready for gatherings. Refresh your kitchen, bathroom, or living space to make everyone feel welcome.
- Prepare for winter. Take care of home repairs or energy-efficient upgrades before colder weather settles in.
- Simplify your finances. Combine qualifying debts into one monthly payment.
- Plan for the year ahead. Move forward with a fixed-rate loan and a payment you can budget for.
With no closing costs^ and rates as low as 5.99% APR*, this could be the season to bring your plans home.
Get Started with CODE
Apply online, visit a CODE branch, or call (937) 222-8971 to talk through your options with a loan officer.
Not a CODE member? If you live, work, worship, or attend school in CODE’s service area, you may be eligible to join.
* 5.99% APR is based on current rates and credit qualifications and is subject to change without notice. To qualify, the maximum loan-to-value is 80% and the maximum loan term is 120 months. Refinances of current home equity loans or lines of credit with CODE Credit Union do not qualify. Applications accepted from 11-1-26 through 11-30-26.
^Home Equity Loans or Lines of Credit of $5,000 or more that close by November 30th, 2026 are eligible for no closing costs. 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. If the loan is paid off within 180 days of the opening date, closing costs will be assessed. Refinances of current home equity loans or lines of credit with CODE Credit Union do not qualify. Applications accepted from 11-1-26 through 11-30-26.
🍂 Fall Into the Right CODE Visa® Credit Card
As the leaves change, it may be a good time to take a fresh look at the credit card in your wallet. Whether you’re looking for a low rate, rewards, a way to build credit, or a card for your business, CODE Credit Union has a Visa option to fit your needs.
Choose the CODE Visa that’s right for you:
Visa Simple
Enjoy a low-rate credit card with no annual fee, 0% interest for 6 months on purchases.1 Just straightforward credit when you need it.
Visa Platinum
Earn 1 point for every $1 spent on eligible net purchases while enjoying a competitive rate and no annual fee.2
Visa Gold
Earn 1 point for every $2 spent on eligible net purchases, plus a competitive rate and no annual fee.2
Secured Visa
Working to establish or rebuild credit? A CODE Secured Visa can provide a convenient way to build positive credit habits.
Visa Business
Give your business added purchasing flexibility with a low-rate Visa designed for business needs.
A Card for Every Season
No matter what fall brings, a CODE Visa can give you convenient access to credit while providing benefits designed around your needs.
🍁 PLUS! Apply for and receive any new CODE Visa Credit Card during the months of October and November and you’ll be automatically entered for a chance to WIN one of TWO $100 statement credits!³
*10.00% APR (Annual Percentage Rate) pertains to the Simple Visa and is a variable rate based on the Wall Street Journal prime rate and subject to change without notice. Visit www.codecu.org/rates for current rate information.
¹0% 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.
2Earn 1 point for every $2 dollars charged on eligible net purchases made with your CODE Credit Union Visa Gold Card. Earn 1 point for every $1 dollar charged on eligible net purchases made with your CODE Credit Union Visa Platinum Card. Visit CURewards for more information on rewards, travel, merchandise, and cash back.
3During October & November 2026, anyone over the age of 18 that applies for and receives any new CODE Credit Union Visa Credit Card, will be automatically entered into a drawing to win 1 of 2 $100 statement credits. The 2 winners will be randomly chosen and notified in December 2026.
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 Winter.
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.
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 2026 and have a chance to WIN a $100 Visa® Gift Card!*
*All Health Savings Accounts opened between 10/1/26 and 12/31/26 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 2027. ^Rates are subject to change without notice.
Make Your Holidays Brighter with CODE Credit Union
A little holiday help. A little less stress.
From gifts and gatherings to holiday travel, a holiday loan with CODE can help you cover the season’s extra expenses with one convenient monthly payment—so you can focus on enjoying the moments that matter.
Depending on your current rates and loan terms, you may also save on interest.
Simplify Your Payments This Season
- Rates as low as 7.99% APR* for a limited time
- Borrow up to $5,000
- Repayment terms up to 60 months
- Fast, local lending decisions
- A simple application process
Spend less time juggling payments and more time enjoying the moments that matter this holiday season.
Need more than $5,000? Explore our other personal loan rates.
Ready for a fresh start this holiday season? Apply today.
*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.
Deposit checks from your office. Get back to business.
Trips to deposit checks and time spent managing payments add up. CODE Credit Union’s cash management services can help you handle more of that work from your office.
Enroll by November 30th, 2026, and receive six months of waived fees, a free standard check scanner with Remote Deposit Capture, and one-on-one setup support.*
Make fewer trips to the branch. With Remote Deposit Capture, you can scan and deposit multiple checks from your office.
Spend less time handling payments. With ACH Origination, you can pay vendors and employees or collect customer payments electronically.
Whether you’re interested in one service or both, a member of CODE’s business team can help you find a setup that fits your business.
- 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.
Join the Early Access List Today
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.
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.