Code Credit Union Clayton OH | Best Auto Loans & Business Banking

Introduction

Welcome to Code, your trusted financial partner located at 4916 National Rd, Clayton, OH 45315. Since our establishment in 1940, we have been dedicated to serving our community and supporting our members with a range of financial services. As a proud credit union, we believe in the power of people helping people, and our commitment to this principle is reflected in our impressive membership base of over 12,673 individuals. At Code, we understand that your financial needs are unique. That's why we offer personalized solutions tailored just for you, from checking and savings accounts to auto loans and business banking services. With total assets of $162,169,333 and deposits amounting to $8,876,458, we ensure that your money is secure while providing you with competitive rates and excellent service. Led by our CEO Scott Rutherford and Board President Doyle Burke, our team of 27 employees is here to assist you every step of the way. We pride ourselves on being accessible; whether you need help with online banking or have questions about loans feel free to reach out! You can contact us at 937-832-6600, or visit us during our lobby hours on Tuesdays and Thursdays from 11:00 AM to 1:00 PM. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to the same address: 4916 National Rd, Clayton, OH 45315. Explore more about what we offer by visiting our website at www.codecu.org. Join us as we continue to build a strong financial future together. Visit us today or give us a call we're excited to help you achieve your financial goals!

Branch History & Mission

At Code Credit Union, we take pride in our rich history and unwavering commitment to the community. Established in 1940, our branch has served the residents of Clayton, OH, for over eight decades. Located at 4916 National Rd, Clayton, OH 45315, our branch has grown alongside the community, adapting to meet the needs of our members while staying true to our core mission. From our humble beginnings, Code Credit Union has evolved significantly. Initially founded to support a small group of individuals, we now proudly serve over 12,600 members. With total assets reaching $162,169,333, we have become a trusted financial partner for countless families and businesses in the area. Our journey reflects not just growth in numbers but also an enduring dedication to providing quality financial services that empower our members. Our mission is simple yet powerful: to provide exceptional financial services while fostering a strong sense of community. We believe that banking should be accessible and personal. That's why we focus on delivering a range of services tailored to meet diverse needs from checking and savings accounts to auto loans and mortgages. Additionally, we prioritize community engagement through various outreach programs and partnerships that uplift and support those around us. While members can visit us at 4916 National Rd for all their banking needs, official correspondence should be sent to the same address for consistency. We are here for you every Tuesday and Thursday from 11:00 AM to 1:00 PM, offering convenient access to our services without the hassle of long wait times. In today's digital world, we understand the importance of convenience. That's why we offer online banking options along with mobile payments and e-statements. Members can easily manage their finances from anywhere at any time. Our ATM is available for quick withdrawals and balance checks when you need cash on the go. As we look towards the future, Code Credit Union remains committed to enhancing your banking experience with customer-centric initiatives that reflect our values of service and community support. Join us in this journey; become a member today and discover how we can help you achieve your financial goals. For more information or to start your membership journey with us, visit our website or call us at 937-832-6600. We can't wait to welcome you into the Code family!

Branch Location & Accessibility

Get in Touch!

For any questions or assistance, feel free to call us at 937-832-6600. We're here to help! We invite you to stop by the Code Credit Union branch at your convenience come see how we can support your financial journey!

Nearby Landmarks and Accessibility

Situated in Montgomery County, our branch is close to various local attractions that make visiting us even more enjoyable. With ample parking available right outside, you won't have to worry about finding a spot. We also prioritize accessibility, ensuring that our facilities comply with ADA standards, so everyone can easily access our services.

Operating Hours and Services

We understand that convenience matters. That's why we are open on Tuesdays and Thursdays from 11:00 AM to 1:00 PM. During these hours, our friendly staff is ready to assist you with a range of services including personal banking options like checking and savings accounts, as well as auto loans and credit card offerings. Although we don't have drive-thru banking available at this branch, we do offer ATM services for quick cash withdrawals and balance checks.

Member Eligibility

Joining Code feels like stepping into a welcoming community where you can thrive and feel supported. To become a member, you simply need to meet a few friendly criteria that aim to include as many people as possible. Generally, anyone who lives, works, or worships in the area is welcome to join our family. We believe in making banking accessible and beneficial for everyone, so whether you're looking for savings options or loans, there's something here for you. For more detailed information on eligibility, feel free to check out our website at http://www.codecu.org/membership. Opening an account with us is an easy process! You can find all the necessary steps by visiting https://access24.codecu.org/enroll. If you have any questions or want to chat about membership, don't hesitate to give us a call at (937) 832-6600. We're here to help you every step of the way at our branch located at 4916 National Rd Clayton Oh 45315.

Business Banking & Commercial Services

Merchant Services That Make Sense

In today's fast-paced environment, efficient payment solutions are crucial. Our merchant services offer practical tools that make transactions smoother for both you and your customers. Imagine a busy café where customers can pay quickly with mobile payments or contactless cards this not only enhances customer satisfaction but also streamlines your operations. Located at 4916 National Rd Clayton Oh 45315, Clayton, OH, our team is ready to help you navigate the financial landscape and find the right solutions for your business needs. Reach out at (937) 832-6600 or visit us during lobby hours on Tuesday and Thursday from 11:00 AM to 1:00 PM. Let's work together to turn your business goals into reality!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $81 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $113 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $3,211,325, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash quickly? Our ATM services provide easy access to your funds anytime. Simply visit one of our ATMs for withdrawals or balance checks without hassle. At Code, we're more than just a financial institution; we're part of your community. If you're looking for reliable financial services in Clayton, give us a call at (937) 832-6600 or stop by during our lobby hours on Tuesdays and Thursdays from 11:00 AM to 1:00 PM. Let us help you reach your financial goals today!

Auto Loans & Vehicle Financing

Thinking about buying a new car? Our auto loans and vehicle financing options make it easier than ever. With competitive rates and terms, you can drive off in your dream car without the financial stress.

Business Banking

If you're a business owner, we've got your back! Our business banking services, including merchant services and business loans, support local entrepreneurs in achieving their goals.

Credit Cards with Rewards

Our credit cards with rewards allow you to earn points on every purchase. Use them for everyday expenses and watch as your rewards grow perfect for planning your next getaway or treating yourself!

Mortgage Loans & Refinancing

For those looking to buy a home or refinance an existing mortgage, our mortgage loans offer great rates and personalized service. We guide you through the process, ensuring that you understand every step along the way.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer comprehensive online and mobile banking solutions. Check balances, transfer money, or deposit checks all from the comfort of your home or on the go.

Personal Banking

We understand that managing personal finances can be challenging. That's why we offer checking and savings accounts that fit your lifestyle. Whether you're saving for a vacation or need everyday access to your funds, our accounts provide the flexibility you need.

Personal Loans & Debt Consolidation

Life can bring unexpected expenses, and having access to cash can be crucial. Our personal loans are designed to help you cover those costs, while our debt consolidation options can simplify your payments into one manageable monthly bill.

Digital & Online Banking

Key Features for Your Convenience

Our online banking system includes features like electronic signature authorization, allowing you to sign documents securely from the comfort of your home. Plus, with e-statements available, you can go paperless and access your statements whenever you need them. Enjoy the freedom to manage your account with ease! If you're always on the go, our mobile application makes banking even more convenient. You can make mobile payments and transfer money through person-to-person transfers quickly and easily. Say goodbye to long lines and hello to instant transactions!

Safety and Support

We prioritize your security with robust measures in place to protect your information while you bank online. Our team is always ready to help if you have questions or need assistance navigating our digital services. Whether you're looking to check balances, move money around, or simply stay informed about your financial health, Code has you covered with modern solutions tailored for today's member needs. Experience the future of banking with us!

Financial Strength

Commitment to Growth

Our commitment to growth is reflected in our $17,318,347 in undivided earnings, which allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $1,671 in used auto loans and $100,142,908 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Operational Efficiency

Our operational efficiency shines through with a net income of $487,600, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 26 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Secure Savings Options

Members' savings are secured through $31,768,143 in share certificates and $21,791,444 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Financial Health

With a net worth of $19,572,989, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 12.06% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Trusted Partnership

Net Shares (Funds available for lending and investments): $5,994,512. Total Share and Deposit Accounts: 25,805, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Code is your trusted partner. Visit us at 4916 National Rd Clayton Oh 45315 or call (937) 832-6600 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $29,024,157 in used vehicle loans and $17,338,343 in new vehicle loans already helping members get on the road. Whether you're considering a brand-new model or a reliable pre-owned vehicle, our financing options are designed to make your purchase as straightforward as possible.

Credit Lines and Commercial Loans

In addition to personal loans, we offer competitive lines of credit with a total of $33,585,535 at your disposal. For business owners, our outstanding commercial loans totaling $3,211,325 provide the capital needed to grow and expand your business effectively.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $13,037,857, make buying or refinancing simple. We provide personalized service to guide you through the process and help you secure the right loan for your family's needs.

Refinancing Options

If you're looking to lower your monthly payments or consolidate debt, we have refinancing options available for most of our loan products. It's worth checking if you qualify for better rates or terms that can save you money in the long run. You can find us at 4916 National Rd Clayton Oh 45315, Clayton, OH, or give us a call at (937) 832-6600. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you navigate your financial journey today!

Unsecured Credit Card Loans

For those looking to manage their finances more effectively, we also offer flexible terms on unsecured credit card loans. With a total of $4,308,904 in loans available, our credit cards provide an excellent way to handle unexpected expenses while earning rewards along the way.

Loan Aggregator

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CODE CREDIT UNION - Clayton, OH

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