Code Locations

Business Services

"CODE is always there to assist and guide us to the best financial solutions for our business."
Mike Munch, President
Printpoint, Inc.

CODE Credit Union has the Business Accounts and Commercial Loans your business needs to operate efficiently, compete aggressively and grow. Churches and professional organizations also will benefit from our affordable services.

Our many branch locations makes doing business with us more convenient. Explore our products and services, if you need more information please contact us.

Interest Bearing

  • Monthly dividends.
  • Dividends figured on daily balance method with a minimum daily balance of $200 required to obtain the disclosed annual percentage rate.

Non-Interest Bearing

  • Available for non-profits or upon request.

Select Money Market Account

Keep funds liquid while earning a higher rate on larger balances.

  • Monthly dividends.
  • Dividends figured on daily balance method with a minimum daily balance of $10,000 required to obtain the disclosed annual percentage rate.
  • Minimum deposit of $10,000 is required to open this account.
  • If the balance falls below $10,000 a one time a month $10 fee will be assessed.
  • Easily transfer funds 24/7 online to and from a Business Checking Account.
View Rates

Certificates of Deposit

Invest in high rate CODE Certificates with flexible terms ranging from 6 to 48 months.

  • Monthly dividends.
  • High yield accounts with a wide range of terms.
  • Preferred Certificate rates for deposits of $10,000 or more.
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Business Checking

Sure to benefit any business model, each of our 3 plans has its own impressive bundle of services. Earn interest with our Regular or Plus Checking Account.

  BASIC REGULAR PLUS
Earns Interest No Yes Yes
Minimum Balance $0.00 $2,500 $7,500
Service Fee Monthly 
If balance less than minimum
$0.00 $10 $20
Free Combination Monthly Total 200 300 400
Checks Deposited +  Checks Cleared  .20/ item over .15/ item over .10/ item over
ACH Credits + Debits Free Free Free
Overdraft Protection - Automatic
from Savings and Business Money Mrkt
Free Free Free
Monthly Statement Free Free Free
E-mail Statement Free Free Free
24/7 On-line Banking Free Free Free

View Rates

Business Loans

Making things happen for you is what we do. CODE works with you every step of the way from application to closing, finding the most competitive rates and terms available.

Key reasons Miami Valley businesses choose CODE Credit Union:

  • Local decision making
  • Quick turn-around
  • One-to-one approach tailoring our programs to your needs

Review our options below then contact our experienced staff to put a customized lending package together for you.

Commercial Real Estate

Purchase, construction, refinance, expansion or renovation of owner occupied and investment Real Estate. Conventional and SBA financing offering fixed and variable rates.

Term Loans

Purchase or refinance of machinery, equipment or other capital assets; permanent working capital; business acquisition and debt consolidation. Fixed and variable rates available.

Revolving Line of Credit

Available for any general business purpose. Variable rate revolving facilities up to $1M. Access funds through your CODE business checking account.

Business Visa

CODE's Business Visa offers purchasing convenience and smart money management with NO ANNUAL FEE. These benefits are a must for your business.

Online Services

Access 24/Online Banking

Free, secure, 24/7 access for account research, balance alerts, export capabilities. Specific access for Sub-Users also available.

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Access 360 - Account Aggregation

Free, account aggregation tool allowing you 24/7 access to see all your finances in one place, even from other financial institutions.

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Bill Pay

Easily schedule payments and set-up recurring bills to be paid automatically.

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Visa® Debit Cards

Fast and easy access to your CODE accounts. Just present your card, sign and be on your way.

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Mobile Banking

Manage your money anytime, anywhere – from your mobile device. Check your account, transfer funds, pay bills and much more.

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PAT Audio Response

PAT, is a 24/7easy way to be in touch with your CODE account by phone. You can check your account, verify transactions and transfer funds.

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Other Services

Merchant Services

Increase sales, cash flow and customer satisfaction by accepting Visa, MasterCard, American Express, Discover, and other select credit and debit cards. CODE has partnered with Trans First Merchant Services to provide businesses with a complete merchant services program.

Learn more about Trans First Merchant Services and their 24/7 technical support, state-of-the art equipment and competitive pricing. Contact CODE for more information.

Harrison Financial Group

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No Cost Employee Benefit

Enhance your employee package without affecting your bottom line by offering CODE Credit Union membership to your employees at no cost. With no minimum participation requirements, you can offer this low maintenance benefit to your employees of your business. Contact CODE for details.

Health Savings Accounts
  • No Fee to Open or Maintain a CODE HSA
  • No Per Check or Service Fee HSA Checking
  • High Yield Monthly Dividends
  • HSA Debit Card – Free including adult family members
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For more information about this affordable employee benefit contact CODE.

Helpful Links

www.daytonscore.org Counselors to America's small business.

www.sos.state.oh.us For business forms, including business registration forms.

www.eftps.gov For access to electronic funds transfer payment.

www.irs.gov For tax identification numbers.

www.odod.state.oh.us/sbdc For small business development centers in Ohio.

Corporate Account Takeover

Protecting your business account is very important to CODE Credit Union. That is why we have measures in place to thwart cyber thieves. This includes the ability to set up sub-users on Access24 allowing only specific privileges when logging on to the business account. Online criminals however are using increasingly sophisticated techniques to commit fraud against business accounts.

A shared responsibility between CODE and your business is the most effective way to prevent corporate account takeover.

Learn More about Corporate Account Takeover