Savings/Investments

Share Savings

Your minimum $5.00 balance in this account is your share of the credit union. This account is perfect for whatever you are saving for. Features include:

• Earns a quarterly dividend at a competitive rate
• Deposit funds by direct deposit or payroll deduction
• 24/7 access with a CODE ATM card
• FREE Access24 Internet Banking
• Call to check your balance or transfer funds with PAT, CODE’s Personal Audio Teller

Secondary Share Savings

Open additional savings accounts to keep funds separate for whatever you are saving for such as a large purchase, emergency savings account, down payment on a house and more. Give each account a nick name in Access 24/Online Banking to keep funds organized. Features include:

• Earns a quarterly dividend at a competitive rate
• Deposit funds by direct deposit or payroll deduction
• 24/7 access with a CODE ATM card
• FREE Access24 Internet Banking
• Call to check your balance or transfer funds with PAT, CODE’s Personal Audio Teller

Club Accounts

Save money for Christmas, vacation, or any reason, and earn a great quarterly dividend rate.

Start your Christmas savings anytime of the year with funds available the first week of November.

Just $10 per week adds up to about $500 a year. This account is perfect for those who don’t want the temptation of using the funds for other purposes. Features include:

• Earns a quarterly dividend at a competitive rate
• Deposit funds by direct deposit or payroll deduction
• 24/7 access with a CODE ATM card
• FREE Access24 Internet Banking
• Call to check your balance or transfer funds with PAT, CODE’s Personal Audio Teller
• Early withdrawal penalty applies.

Money Market

This account is designed for members who keep a minimum balance of more than $2,000 and would like the potential to earn more interest.   Features include:

• Free Visa® Debit Card or ATM Card*
• Earns a monthly dividend at a competitive rate
• Free Mobile Banking with Mobile Deposit *
• Free Online Banking
• Free eStatements
• Free Credit Score Monitoring
• Free Budgeting / Personal Financial Management Tool
• Minimum monthly balance of $2,000 is required to avoid a $10 service fee.

*Subject to member qualifications for debit card and mobile deposit.

Premier Checking

Master your finances with CODE’s Premier Checking. Earn a premium interest rate while maintaining convenience with easy features to keep you connected to your money 24/7.

• No monthly fee if enrolled in eStatements¹
• Visa Debit Card with contactless Tap to Pay
• ATM Fees waived
• Access 24 Online Banking with Mobile Banking App for 24/7 access from a mobile device
• Free Credit Score Monitoring
• 1 Free box of checks per year²
• Ability to open a Premier CD with a premium rate.
• Minimum balance to avoid a monthly service fee is $10,000³
• Minimum balance to earn interest is $10,000⁴

¹Paper statement charge of $5.00 will apply if not enrolled in eStatements.

²Member will be reimbursed up to $25 per year for check printing costs.

³ Average daily balance of $10,000 is required to avoid a $5 per month service fee.

⁴ Interest will be paid based on average daily balance. Rates subject to change without notice.

Smart Saver Share (Round Up Savings)

Save money while you’re spending it with CODE Credit Union’s Smart Saver debit card round-up account¹. Each purchase you make with your CODE Credit Union Smart Saver Checking debit card is rounded up to the nearest dollar and the difference is deposited to your Smart Saver account¹. All that change will add up fast helping you meet your savings goals.

• Earns a quarterly dividend at a competitive rate
• No minimum balance
• No monthly fee

The following are not permitted on this share account:

• Deposits, including online transfers to the account other than the daily Smart Saver transfer
• ATM/Debit card transactions
• ACH deposits and withdrawals
• Use of Smart Saver share account as overdraft protection for any other share account

¹When you enroll in the Smart Saver Debit Card Round-Up Savings Program, CODE Credit Union, on a daily basis, will round up the amount of each debit card purchase posted to your checking account to the next whole dollar amount and transfer the total excess amount from your checking account to your Smart Saver share account. CODE Credit Union will aggregate the rounded-up amounts from purchases that post to your checking account each business day and make a single transfer (“daily round-up transfer”) at the end of the business day. That means if you make purchases for $40.25 and $5.75 on the same day, we’ll debit your checking account for $40.25 and $5.75 for the purchases, add the round-up amounts of $.75 and $0.25 and transfer $1.00 (“daily-round-up transfer”) to your Smart Saver account at the end of the business day. If on a business day you do not have sufficient available funds in your checking account, or if any transaction has overdrawn your checking account, we do not round up purchases posted on that business day and we cancel the daily round-up transfer for that day. If your debit card purchase is subsequently cancelled or reversed, such as a returned purchase, the corresponding daily round-up transfer will remain in the Smart Saver share account. Refunded or adjustment transactions will not be rounded-up. The Credit Union reserves the right to cancel or modify the Smart Saver Debit Card Round-Up Savings Program at any time, at its sole discretion. Only transactions posted to your account as debit card purchases are eligible. The Credit Union does not control whether a transaction is processed as a debit card transaction and is not responsible for how the merchant or any network processes a transaction.

IRA Certificates of Deposit

Secure your financial future with a high rate CODE Traditional, Roth or Coverdell 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.

• 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.

Certificates of Deposit

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