Deposit Accounts

Your CODE Savings and Checking Plans are federally insured up to $250,000 through NCUA, the National Credit Union Administation, an agency of the U.S. Government. CODE IRAs, are federally insured separately to $250,000.

Share Savings -Your minimum $5.00 balance in this account is your share of the credit union. With this low minimum balance requirement, you can earn a high quarterly dividend rate. Deposit funds by Direct Deposit or Payroll Deduction. Access your account with your CODE ATM or Debit Card; Access 24; and PAT, CODE's Personal Audio Teller.

Club Savings - Save money for Christmas, vacation, or any reason, and earn a great quarterly dividend rate on a low minimum balance. Start your Christmas savings anytime of the year with funds available the first week of November.

Youth Savings - CODE members from newborn up to age 18 earn the same quarterly dividend rate on this account as a Share Savings account but with no minimum balance requirement.

Cool Kids of CODE, for kids 12 and younger, and YES Club for teens ages 13 to 19 teach our young members the value of saving and money management.

Cool Kids of CODE and YES Club members are eligible to obtain a youth certificate in their name. A minimum deposit of $250.00 is required to open the certificate. Added deposits of $100.00 can be made during the term. The youth certificate has a term of 24 months, with the maturity date being no later than the year the member turns 18.

Complete an application to sign up for either of these clubs. A minimum balance is necessary to join.

Money Market - A $2,000 balance is required to earn high rate monthly dividends. Use this account as either a savings or checking. Funds are available with a CODE STAR ATM Card or CODE Visa® Debit Card. Account information is available online with Access24 or by calling PAT, CODE's Personal Audio Teller.

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

Youth Certificate
A special youth certificate is available for members younger than the age of 18 and can be opened with a low minimum deposit of $250. Added deposits of $100 can be made during the term. The youth certificate has a term of 24 months, with the maturity date being no later than the year the member turns 18.

IRAs - Secure your financial future with a high rate CODE Traditional, Roth or Coverdell IRA. With a $500 minimum deposit you can open an IRA Certificate offering a variety of terms to meet your needs. Or, open a no-minimum-deposit Accumulator IRA and enjoy the ease of making contributions through payroll deduction or cash deposits. There are no service fees to start or maintain the IRA Certificate or the Accumulator IRA.

CODE IRAs are insured up to $250,000 so you can roll over funds from pension plans, 401(k) or other financial institutions and have peace of mind knowing your funds are safe and secure.