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What rate are you paying on your auto loan?  Reduce your loan rate (and payment) in minutes with CODE’s EASY ONLINE application.  Going on now, if CODE can’t beat your current rate by at least .25%, we will pay you $50.*  That’s right!  We will refinance your car loan at .25% less than you’re currently paying or we will pay you $50.  Plus, make NO PAYMENT until Labor Day.**
Apply Now.

Have a motorcycle loan?  We might be able to beat that rate, too.  Learn More.

If you have a boat or RV loan, CODE has a great deal going on now for RVs and boats, too.  See if we can save you money.  Learn More.


*Offer valid on auto loans currently financed with a lender other than CODE Credit Union. CODE Credit Union will beat the interest rate from another financial institution by at least 0.25% with an interest rate floor of 1.99%. Amount financed must be $5,000 or greater and the payment must be automatically deducted from a CODE Credit Union deposit account. Members will receive $50 deposited to their CODE Credit Union share account within 30 days of application if CODE Credit Union cannot beat the existing interest rate by at least 0.25%. Member must qualify for the loan to receive the $50. Must provide verification of current interest rate at other financial institution to qualify. Subject to credit qualifications. Offer subject to change without notice. Other terms and conditions may apply. Member is responsible for any applicable taxes. Offer expires 5/31/2021. **The first payment will be due 90 days from the loan date or September 6, 2021, whichever comes first.

rv driving

The great outdoors is calling!  Get ready to CAMP, EXPLORE, DREAM AND DISCOVER.  If your idea of a great vacation is outdoors or on the water, CODE has you covered with LOW rates on an RV or boat!  Head for the hills or cool off on the water with NO PAYMENT FOR 60 DAYS^ and rates as low as 3.99% APR.*

  • Low Rates
  • Convenient Online Application
  • Fast Approvals
  • Finance up to 100%
  • Terms up to 180 months

Apply Online at or call (937) 222-8971 to make an appointment with a Financial Services Representative.

*3.99% Annual Percentage Rate (APR) valid on new and used RV and boat loans 2020 and newer, 60 month term, qualified credit, and pre-approval. ^No payment for 60 days is available for new and used RV and boat loans closed beginning May 1, 2021. Interest will continue to accrue from the time the loan is disbursed. The first payment will be 60 days from the closing date or July 20, 2021, whichever comes first. Offer excludes motorcycles, ATVs, jet skis, and refinancing of existing CODE Credit Union loans.

man pushing woman in shopping cart at home store

Are you looking at making several trips to the home improvement store for an upcoming home remodeling project? Do you need to do some updates to make your home more energy efficient? Or are you thinking of landscaping and working on your home’s curb appeal? Whatever you are buying for your home this Spring, you could be earning CASH BACK if you use your CODE Credit Union Visa credit card to pay for all your home improvement expenses this spring.  ANY CODE Visa credit card can earn this cash reward!  View a list of qualifying merchants.

Receive up to $50 cash back when you use your CODE Visa credit card between April 1 and May 31, 2021 to make home improvement purchases. That gives you two months to earn your rewards.

We will track your purchases and credit your reward the first week in June. Rewards will be earned as follows:

At least $500 in purchases …              $10 reward

At least $1,000 in purchases …           $25 reward

At least $2,000 in purchases …           $50 reward

*Rebate is awarded based on total home improvement purchases made during the promotional period of 4/1/21 through 5/31/21.  A $10 rebate will be issued to cardholders who complete $500 in total qualified purchases or $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 $2,000 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.  Financial Institution shall determine which purchases qualify and will not be responsible for merchant misclassifications.  Eligible merchant categories include: home supply, hardware, lumber and building materials, appliances, furniture, lawn and garden, masonry, insulation, roofing, siding, artist supply stores, drapery, upholstery, fireplace, floor covering, swimming pool supplies and service, air conditioning, electrical, discount stores, general merchandise, paint, varnish and stain, wallpaper, concrete, electrical, general contractors, specialty cleaning and sanitation.  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 5/31/21. Appropriate rebate credit will automatically be posted to your share account within 2 weeks after the promotion end date and is non-transferable.

couple riding a motorcycle

Take a break from normal life this spring and enjoy the ride. Whether you want to ride a motorcycle to save on gas, hang with your friends or relieve tension and stress, CODE can help you save on your existing motorcycle loan or buy that new bike that you have your eye on.

CODE offers a wide range of terms and low competitive rates on a new or used motorcycle loan.

CODE will finance up to 115%** of the NADA value with terms up to 84 months for new motorcycles and up to 72 months for used motorcycles.


*3.59% APR (Annual Percentage Rate) applies to 2020 and 2021 motorcycles, 60 month term. Subject to credit qualifications. **Subject to credit qualifications and verification of asset value.

people looking away holding umbrellas

If the last year has taught us anything, it’s that we need to be prepared for emergencies and unexpected cash flow shortages.

Even if you don’t need to borrow any money right now, why not have a credit line in place for when you do?  CODE has 3 credit line options with NO ANNUAL FEE, so having one or more of these options in place doesn’t cost you anything.

1) Ready Ca$h credit line

  • A credit line that connects to your CODE checking account to prevent non-sufficient funds charges from an occasional oversight.  Or you can also transfer Ready Ca$h funds anytime you need extra cash through CODE’s convenient Mobile App or Access 24 online banking.

Learn More or Apply Now.

2) Visa® credit card

  • CODE has several credit card options with NO ANNUAL FEE.  There are cards featuring a low rate, cards with rewards, cards for business use and more.  Use a CODE Visa to make home improvement purchases in April and May and earn reward dollars.

Learn More or Apply Now.

3) Home Equity Line of Credit (HELOC)

  • Put the equity in your home to good use by securing a home equity credit line that will be there when you need it.

Learn More or Apply Now.