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Promotions

Celebrate 85 years with CODE Credit Union and get lucky this season!

There’s never been a better time to open a new checking account or apply for a loan at CODE. As part of our 85th anniversary celebration, when you open a qualifying account or loan, you’ll receive a scratch-off ticket for an instant prize!* Plus, you’ll be entered into our grand prize drawing for a chance to win a brand-new laptop valued at $500!

Here’s how you can receive a scratch-off ticket with a qualifying account or loan:

  • Open a new checking account with debit card and recurring direct deposit of net pay1
  • Open a Home Equity Loan or Line of Credit (NO CLOSING COSTS)2
  • Open a Vehicle Loan – car, truck, motorcycle, boat, camper, or RV3
  • Close a Mortgage or Mortgage Refinance 4
  • Transfer a balance to a CODE Visa Credit Card5
  • Open a new CODE Visa Credit Card and download the Visa Online mobile app6
  • Schedule & complete a Financial Check-UP with a CODE Financial Services Representative

 

Join us in celebrating 85 years of serving the Miami Valley and don’t miss your chance to scratch and win today!

 

1To receive a scratch off ticket, a new checking account must be opened during the promotion period with an issued debit card.  Member must agree to direct deposit and accept the direct deposit letter and information.  If member is selected as the grand prize winner, a recurring direct deposit (at least 2 deposits) of net pay or at least $500 must be verified in the account transaction history.

2To receive a scratch off ticket, a new Home Equity Loan of at least $10,000 must be closed, or a Home Equity Line of Credit opened with at least $5,000 advanced off the credit line.

3To receive a scratch off ticket, a new auto, truck, motorcycle, boat, camper, or RV loan of at least $5,000 must be closed.  Refinances from other financial institutions can be included.  No refinancing of existing CODE Credit Union loans.  Loans closed at dealerships do not qualify.

4To receive a scratch off ticket, a mortgage or mortgage refinance must be closed with one of CODE’s Mortgage Services Representatives.

5To receive a scratch off ticket, transfer a credit card balance of at least $1,000 to a CODE Visa Credit Card.

6To receive a scratch off ticket, open a new CODE Visa Credit Card with at least a $1,000 credit line and also download the CODE Visa Online Mobile App.

 

*No purchase necessary.  Full promotion details can be viewed here

This spring, home improvement can pay off with CASH BACK on qualifying CODE Visa® credit card purchases!* Plus, enjoy the flexibility of Buy Now, Pay Later, which lets you spread larger qualifying purchases over monthly payments with a reduced interest rate. ^

Nothing makes spring projects more rewarding than earning CASH BACK while you refresh your landscaping, remodel your home, upgrade appliances, and more.

Be sure to use your CODE Visa credit card as you shop at home improvement stores this season—you could earn CASH BACK on every qualifying purchase. View a list of qualifying merchants.

Earn up to $50 cash back when you make home improvement purchases with your CODE Visa credit card between April 1 and May 31, 2025. That’s two months to rack up your rewards!

We’ll track your purchases and credit your rewards in June. Here’s how it works:

  • Spend at least $1,000 … Earn a $25 reward
  • Spend at least $2,500 … Earn a $50 reward

And on top of the cash back, you can now break up large, qualifying purchases into manageable monthly payments with a reduced interest rate. Simply make your purchase with your CODE Visa credit card, select it on the CODE Visa Online Mobile App, and choose a payment plan that works best for you. It’s that simple!

Don’t have a CODE Visa credit card yet?  Apply Online Now!  The application is simple and secure, and approval times are quick.  Receive your new card and start earning a cash back reward on your home improvement purchases this spring!

 

*Rebate is awarded based on total home improvement purchases made during the promotional period of 4/1/25 through 5/31/25.  A $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 $2,500 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 5/31/25. Appropriate rebate credit will automatically be posted to your share account within 2 weeks after the promotion end date and is non-transferable.
^CODE Visa® Online or The CODE Visa Mobile App are required to use Installment Payments. CODE Credit Union may change APRs, fees and other account terms in the future based on your experience with CODE Credit Union and its affiliates as provided under the Cardmember Agreement and applicable law. Account must be open and in good standing to earn and redeem rewards and benefits. Please refer to Frequently Asked Questions for more information. Purchase must be greater than $100 from qualifying merchants. Installment payment available for six (6), twelve (12) and eighteen (18) month terms, split evenly over term, depending on qualifications. Interest rate will be provided via the CODE Visa Online Mobile App and will be contingent on qualifying purchase.

lady holding a CODE visa debit card promoting cash back checking

Upgrade Your Checking Account and Get Rewarded! Unlock a world of features and cash back rewards with our enhanced checking account. Earn cash back on all your every day purchases. Cash Back Checking was designed to meet your lifestyle and exceed your expectations with benefits like these, just to name a few:

  • Cash Back Rewards: Earn 2% cash back on every Visa debit transaction. 1
  • Tap to Pay: Fast, secure payments with your Visa Debit Card.
  • No ATM Fees: Withdraw your cash without worrying about fees.
  • 24/7 Access: Manage your account anytime, anywhere with our Mobile Banking App.
  • Send Money Easily: Use Zelle to send and receive money with friends and family.
  • Credit Score Monitoring: Keep an eye on your credit score for free.
  • No Monthly Fee: Enjoy no monthly fees when you enroll in eStatements and maintain a minimum balance of $1,000.2

 

Upgrade today. Click on the link below.

Open an account online in minutes.

 

1 If Cash Back Qualifications are met, earn 2% Cash Back up to $15 per month. Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by the credit union as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued by CODE Credit Union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. “Monthly Qualification Cycle” means a period beginning on the first business day of the month through the last day of the month. Reward Information: When Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive (1) 2.00% cash back on up to a total of $750 signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $15.00 cash back may be earned per Monthly Qualification Cycle. When Cash Back qualifications are not met, no cash back payments are made. Cash back payments will be credited to your Cash Back account on the last day of current statement cycle. Rates and rewards are variable and may change after account is opened.

2Paper statement charge of $5.00 will apply if not enrolled in eStatements. Average daily balance of $1,000 is required to avoid a $5 per month service fee.

Spring Into Rewards: Earn Cash Back & Rewards Points with Your Platinum & Gold Visa® Cards!

This spring, make every purchase count with your Platinum Visa® or Gold Visa® credit cards! Not only will you earn CASH BACK on qualifying purchases1, but you’ll also rack up valuable REWARDS POINTS for every dollar spent2—getting you even more out of your everyday purchases. Plus, enjoy the flexibility of Buy Now, Pay Later with a reduced interest rate to make your payments easier to manage.3

How You Earn:

  • Cash Back: Earn cash back on all qualifying purchases made with your Platinum Visa® or Gold Visa® card.
  • Rewards Points: For every purchase, earn rewards points that you can redeem for travel, merchandise, gift cards, and more.

How It Works:

  • We Track Your Rewards: Your cash back and rewards points will be automatically credited to your account in June 2025.
  • Flexible Payment Options: Use Buy Now, Pay Later to break up larger qualifying purchases into easy monthly payments with a reduced interest rate. Simply choose your payment plan via the CODE Visa Online Mobile App.

 

Apply Online Today!

Don’t have a Platinum Visa® or Gold Visa® card yet? Apply online today and start earning cash back and rewards points with every purchase. The application process is quick and secure, and approval times are fast!

1Qualifying purchases for CASH BACK can be found here: https://www.codecu.org/wp-content/uploads/Home-Improvement-Category-List.pdf. 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.  3CODE Visa® Online or The CODE Visa Mobile App are required to use Installment Payments. CODE Credit Union may change APRs, fees and other account terms in the future based on your experience with CODE Credit Union and its affiliates as provided under the Cardmember Agreement and applicable law. Account must be open and in good standing to earn and redeem rewards and benefits. Please refer to https://www.codecu.org/wp-content/uploads/InstallmentPaymentsFAQs_2024.pdf for more information. Purchase must be greater than $100 from qualifying merchants. Installment payment available for six (6), twelve (12) and eighteen (18) month terms, split evenly over term, depending on qualifications. Interest rate will be provided via the CODE Visa Online Mobile App and will be contingent on qualifying purchase.

Spring Into Savings and Let Your Home’s Equity Bloom! Refresh your home and your finances this season—rates as low as 7.49% APR with CODE Credit Union!* Turn your home’s equity into your springtime boost and use it for:

Seasonal Wins:
•Prepare for the upcoming college semester.
•Organize your finances and consolidate debt.
•Make home improvements and renovations.

Spring Home Upgrades:
•Create a relaxing garden retreat.
•Set up your perfect home office oasis.
•Remodel your kitchen, bathroom, or any room that could use a fresh start.

Blooming Opportunities:
•Pay for a child’s college tuition.
•Fund a large purchase or investment.
•Consolidate debt at a great, low rate and possible tax write-off^.

With CODE’s easy online application portal, applying for a Home Equity Loan has never been simpler. Get approved and receive your funds while staying in the comfort of your home!

Apply Online Now

Or Call (937) 222-8971 with questions

* 7.49% APR is based on current rates and credit qualifications and is subject to change without notice.  ^Consult a tax advisor to see if the interest is tax deductible. *Home Equity Loans or Lines of Credit of $5,000 or more and closed by April 30, 2025 are eligible for no closing costs.  If the loan is paid off within 180 days of opening date, closing costs will be assessed.  7.49% APR is based on current rates and credit qualifications and is subject to change without notice.  ^Consult a tax advisor to see if the interest is tax deductible.

You’ll be a happy camper with your new RV, boat, or maybe a four-wheeler!  Whatever adventure is calling you, CODE can help you soak in the outdoors in style with a great rate on a recreational loan.

For a limited time, rates are as low as 6.99% APR* with an added benefit of NO PAYMENT FOR 60 DAYS!  That’s right!  You won’t have to make a payment until May 30, 2025.^  Act now before rates go up.

CODE’s Recreational Vehicle Loans feature:

  • A special rate as low as 6.99% APR*
  • Fast Approvals
  • Finance up to 100%
  • Terms up to 180 months

Apply Online at codecu.org or call (937) 222-8971 to speak with a Financial Services Representative.

*6.99% Annual Percentage Rate (APR) valid on new and used RV and boat loans 2024 and newer, 60 month term, qualified credit, and pre-approval. ^No payment for 60 days is available for new and used RV, camper and boat loans of at least $5,000 closed beginning March 1, 2025. Interest will continue to accrue from the time the loan is disbursed. The first payment will be 60 days from the closing date or May 30, 2025, whichever comes first. Offer excludes motorcycles or refinancing of existing CODE Credit Union loans.

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Start Your Child on the Path to Financial Success with CODE’s Cool Kids Account!
It’s never too early to teach your kids the value of saving! With CODE’s Cool Kids Account, you can help your child start on the right financial path today. Whether it’s from an allowance, a birthday check from Nana, or just a little extra pocket money, it’s important to show them how to manage it wisely.

Cool Kids Account Features:
•For members age 12 and under
•$5 to open, no additional deposit required
•No service fees
•Earn quarterly dividends
•FREE Access24 Internet Banking
•FREE mobile banking app
•Thousands of surcharge-free ATMs nationwide
•Share account with a parent for easy transfers and balance checks
•Call to check balance or transfer funds with PAT (Personal Audio Teller)

Help them learn to manage money, save for the future, and start building good financial habits from a young age. Because when it comes to financial education, it’s never too early to start!
Ready to get started? Visit Youth Accounts – CODE Credit Union, stop into a branch or Call 937-222-8971 to talk with a Financial Services Representative today.

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lady on motorcycle with code motorcycle loan promo in background. Displaying 7.59% APR*

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.

Ready to get started? Click here!

*7.59% Annual Percentage Rate applies to 2025 and newer motorcycles up to 63 month term. Subject to credit qualifications and verification of asset value. *No payment for 60 days is available for new and used motorcycle loans closed beginning April 1, 2025. Interest will continue to accrue from the time the loan is disbursed. The first payment will be 60 days from the closing date or June 30th, 2025, whichever comes first. Offer excludes refinancing of existing CODE Credit Union loans.

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