CODE Credit Union was formed in 1940. CODE's first credit union location was in a small room in City Hall. CODE was formed to serve the City Of Dayton Employees. Through the years, CODE CU has grown to a company with over 145 Million in assets and 3 branch locations, a Student Run Credit Union at Northmont High School and an administrative office in downtown Dayton.
CODE currently serves the Miami Valley and welcomes members that live, work, worship or attend school in 7 counties including Montgomery, Miami, Darke, Preble, Warren, Clark, and Greene. CODE Credit Union is a member owned financial cooperative. That means instead of paying shareholders, profits go toward interest dividends back to the membership, better rates and more robust credit union services.
CODE currently serves the Miami Valley and welcomes members that live, work, worship or attend school in 7 counties including Montgomery, Miami, Darke, Preble, Warren, Clark, and Greene. CODE Credit Union is a member owned financial cooperative. That means instead of paying shareholders, profits go toward interest dividends back to the membership, better rates and more robust credit union services.
Services
Check your balance or transfer funds via telephone with PAT, CODE's Personal Audio Teller. Bill Pay fee of $4.95 is waived if member has direct deposit of net pay, debit card and eStatements. This account is perfect for students, the tech-savvy, or the busy member who enjoys doing much of their business electronically.
CODE Credit Union understands that unexpected overdrafts occur from time to time - Overdraft Coverage can help. 1Call us at (937) 222-8971, email us at odp@codecu.org, or come by a branch to sign up or apply for these services; 2subject to credit approval.
Overdraft Protection applies to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from another account or Ready Cash Credit Line you may have at CODE Credit Union for a finance charge.Please note that overdraft lines of credit are subject to credit approval.
Overdraft Protection applies to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from another account or Ready Cash Credit Line you may have at CODE Credit Union for a finance charge.Please note that overdraft lines of credit are subject to credit approval.
CODE Credit Union has partnered with Harrison Wealth Management Group, Ltd. ("HWMG"). HWMG builds client relationships by crafting wealth management strategies tailored to the individual. Through their relationship with Raymond James Financial Services, the professionals at HWMG offer Retirement and College Planning, along with Managed Asset Plans and Investment Analysis.
CODE's Health Savings Accounts (HSAs) are a convenient way to save for future or current medical expenses. Available for those with High Deductible Health Plans (HDHP), HSAs are an extra safety net into which you and your employer can make contributions. Contributions deducted from your payroll are pre-taxed.
CODE members from newborn up to age 18 earn a great quarterly dividend rate on this account with no minimum balance requirement. It's never too early to teach your kids about the value of saving. CODE's Cool Kids accounts are a great way to get them started on the right financial path. As your child starts to understand money, whether through an allowance or a birthday check from Nana, teach them how to handle it wisely.
Reviews (11)
Mak
Feb 02, 2022
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I'm currently sitting in the parking lot at CODE debating on pulling out my money and closing my accounts. They have a policy of putting all check deposits over $4000 on a three day hold. The check I deposited was from a major investment company, not hand written in crayon. Blanket policies with no common sense are signs of a poorly managed institution. I'm thinking I'll find a credit union that doesn't think it's members are criminals.
Janae
Jan 27, 2022
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Toyua Hummons
Jul 28, 2021
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I have been with this credit union for about 30 years. Regardless if you have great credit or not they do not like to approve loans. If you want to get help for anything, I suggest going to another banking institution. This credit union is not what it use to be. The customer service has went down and their fees are ridiculous.
Courtney J.
Mar 30, 2021
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I went into this branch to open a new account for my business at noon yesterday. I was told no bankers stay in the branch any more to open accounts or settle banking issues." You have to make an appointment". The woman i spoke to said she sent a message to the person who would handle that. I waited a few minutes and he never responded from home or where ever he was. She took my phone number and said she would have him call me back so that I could get on the schedule to open an account the next day. That call never came. If this is a sign of their service {which clearly it is) ,this is
Eric Carlisle
Nov 06, 2020
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I’ve been with code for about 18yrs. I have had problems getting auto loans with them from the beginning. My credit score is over 800 and my last 2 car loans have been elsewhere. I’m in the process of switching to another credit union all together. The new credit union already wants to refinance my auto loan with a lower rate and pre-approve another one. So long code I’m taking my thousands down the street.
Ben Wilson
Jan 01, 2020
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Absolute joke of a credit union. Hidden fees everywhere. When you get a loan through them, you are automatically required to have a savings account with them, which they charge $2 every time they send you paper documents. In order to pay your accounts, you either have to pay out of the forced savings/checking accounts, or be charged 5 dollars each payment you make on top of the balance. DO NOT USE
Ambika Ashar - Arora
Sep 23, 2019
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The worst bank ever! I opened a bank account with direct deposit. I was promised $100 for doing so. I never got my money. I have only had this bank account for around one and a half months. I am missing $10 here and $5 there. Very user unfriendly website. I want to see a printout of all the transactions. Money being added and money being taken out. They cant do that for the customers. They do not send us a statement either and I have not enrolled in paperless. Crooks.
Despina Kourt
Aug 23, 2018
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Jesse
Jan 13, 2018
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Been a long time member, service used to be great but it has been going down hill for the last year or so. There always new employees when I go in there, had problems with my card and just blamed it on the store and gave me a number to call. Tried to cash a check that had my name and my wifes name on it, and was told it had to have both signatures because her name wasn't on the account yet (we just got married). I understand that might be policy, but that fact that I had multiple checks earlier in the month that were written the same way and those were fine... seems no one there is on the same
Michelle Drummond
Nov 25, 2016
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AWFUL! my husband had an account here for years, and once his loan was paid off, they stated charging $2 every month he didn't sign up for e-statements. Once he did, we realized we really didn't need this account, and closed it out. Now we need access to the statements, and after they told him he would have access, he tried to get on, and was denied...so back to the branch who wants to charge $30!!! We will never do business with them again!
Cathy Snedeker
Aug 06, 2016
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