Code Credit Union Dayton OH | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Code Credit Union, your trusted financial partner located at 355 W Monument Ave, Dayton, OH 45402. Established in 1940, we have proudly served our community for over eight decades, growing alongside our members and adapting to their needs. With a total membership of 12,673 and assets amounting to an impressive $162,169,333, we are committed to providing exceptional service and support. At Code, we understand that financial decisions can be daunting. That's why our team, led by CEO Scott Rutherford and Board President Doyle Burke, strives to create a welcoming environment where you can feel confident in your banking choices. Our dedicated staff of 27 employees is here to assist you every step of the way. Our branch offers a wide range of services tailored to meet the diverse needs of our members, including personal banking options like checking and savings accounts, auto loans, mortgage financing, credit cards with rewards, and business banking solutions. We also provide convenient access through online and mobile banking platforms, ensuring you can manage your finances anytime, anywhere. For those looking for support in making important financial decisions, our loan offerings include over 8,599 loans and leases with total deposits reaching $8,876,458. We pride ourselves on maintaining a healthy net worth of $19,572,989 while keeping our cash flow strong with $867,137 in hand. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to the same address: 355 W Monument Ave, Dayton, OH 45402. Whether you're looking for assistance or simply want to learn more about what we offer, don't hesitate to reach out. Feel free to call us at 937-222-8971 during our lobby hours from 8:30 AM to 5:30 PM (Monday through Friday) or explore more about our services on our website at www.codecu.org. We look forward to helping you achieve your financial goals!

Branch History & Mission

At Code Credit Union, we pride ourselves on a rich history that dates back to 1940. From our humble beginnings, we have grown into a cornerstone of the Dayton community, providing financial services that truly make a difference in the lives of our members. Located at 355 W Monument Ave, Dayton, OH 45402, our branch is easily accessible and stands as a testament to our commitment to serving local families and businesses. Over the years, Code has expanded its reach and services, currently boasting a membership of 12,673 individuals who trust us with their financial needs. As of now, we manage total assets of $162,169,333, reflecting our stability and dedication to responsible banking practices. Our journey has been marked by milestones that include embracing technology for online banking and mobile payments while ensuring ADA compliance for all members. Our mission is simple yet profound: to empower our members with the financial tools they need to achieve their goals. We believe in fostering community growth by offering personal banking options like checking and savings accounts, auto loans, mortgage loans, and business banking solutions. We are not just about transactions; we are about building relationships based on trust and mutual support. While members can visit us at 355 W Monument Ave, official correspondence should be sent to the same address as our mailing address is unchanged. Our operating hours are convenient for busy schedules: Monday through Friday from 8:30 AM to 5:30 PM, with both ATM availability and drive-thru banking services to enhance your experience. We understand that being part of a community means more than just providing financial services; it's also about giving back. Code Credit Union actively participates in community outreach efforts and partnerships that aim to uplift those around us. Our commitment extends beyond our walls every member's success is a victory for us all. Join us at Code Credit Union today! Experience firsthand how we prioritize your needs while supporting the greater Dayton area. Whether you're looking for a new savings account or seeking advice on your next big loan, we're here to help you every step of the way. Together, let's build a brighter financial future! For more information or to become a member, visit us online at Code Credit Union or call us at 937-222-8971.

Branch Location & Accessibility

Convenient Access and Features

At Code, we understand that accessibility is key. Our branch is equipped with ADA-compliant features, ensuring that everyone can enjoy a hassle-free banking experience. We offer ample parking right outside the entrance for your convenience. If you're in a rush or prefer to bank from your vehicle, our drive-thru service is available for quick deposits and withdrawals. While you can visit us at our main location for all your banking needs, please note that any official correspondence should be sent to the same address: 355 W Monument Ave, Dayton, OH 45402.

Operating Hours and Services

We're here for you Monday through Friday from 8:30 AM to 5:30 PM, so you can stop by during your lunch break or after work. While we're closed on weekends, our ATM is available around the clock for those late-night cash needs. At Code, we offer a range of personal and business banking services tailored just for you. From checking and savings accounts to auto loans and credit cards with rewards, we've got you covered. Plus, our online and mobile banking options make it easy to manage your finances anytime, anywhere. If you have questions or need assistance, don't hesitate to call us at 937-222-8971. Our friendly team is ready to help! We invite you to visit us soon at Code your trusted partner in financial success!

Member Eligibility

Becoming a member of Code is like opening the door to a supportive community focused on your financial well-being. If you live, work, or worship in the area surrounding 355 W Monument Ave Dayton Oh 45402, you may qualify for membership! We welcome individuals who are looking for personalized banking services that put their needs first. The benefits of joining us include access to competitive rates, friendly service, and a wide range of financial products tailored just for you. To learn more about the specific eligibility requirements, feel free to check out our detailed guide at http://www.codecu.org/membership. When you're ready to take the next step and open an account, it's as easy as visiting us or going online at https://access24.codecu.org/enroll. If you have any questions or need assistance, don't hesitate to give us a call at (937) 222-8971. We're here to help you every step of the way!

Business Banking & Commercial Services

Loan Options for Growth

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.

Merchant Services That Matter

Imagine being able to accept payments easily while managing your cash flow more effectively. Our merchant services allow businesses like yours to streamline transactions, from credit card processing to online payments. This means you can focus on what you do best serving your customers and growing your business. Located at 355 W Monument Ave Dayton Oh 45402, Dayton, OH, we are here to help you every step of the way. Reach out today at (937) 222-8971 to learn how we can support your business ambitions!

Comprehensive List Of Services

Access When You Need It

At Code, we know convenience matters. That's why we provide various ways to access your accounts. Our ATM services allow for cash withdrawals and balance checks whenever you need them, while our basic drive-thru banking ensures quick service for deposits and withdrawals without leaving your vehicle. We also encourage you to take advantage of our user-friendly online tools. From mobile payments to person-to-person transfers, managing your finances has never been easier. With all these services available at Dayton, we invite you to visit us at 355 W Monument Ave Dayton Oh 45402 or give us a call at (937) 222-8971. Join our community today and experience how we can support your financial journey!

Business Banking Support

If you're running a business or thinking about starting one, we offer specialized business banking services, including merchant services and business loans tailored to meet your entrepreneurial needs.

Home Sweet Home

For those ready to invest in a home, our mortgage loans and refinancing services make the journey smoother. We understand that purchasing a home is one of the biggest decisions you'll make, which is why we're here to help every step of the way.

Personal Banking Solutions

Whether you're looking to open your first checking account or save for your future, we have personal banking solutions designed just for you. Our checking and savings accounts offer flexibility and ease, allowing you to manage your money without the hassle. Imagine having access to your funds anytime through our online and mobile banking features. You can check your balance, transfer money, and pay bills all from the comfort of your home or on the go.

Personal Loans for Every Need

Life can throw unexpected expenses your way. Our personal loans and debt consolidation options provide financial relief when you need it most. Whether it's a medical bill or consolidating existing debts, we're here to help lighten your load.

Rewarding Credit Cards

Don't forget about our credit cards with rewards! They're perfect for everyday purchases while earning points that you can redeem for exciting rewards. It's a simple way to make your spending work for you!

Vehicle Financing Made Easy

Thinking about buying a new car? Our auto loans and vehicle financing options can help you hit the road faster. With competitive rates and personalized service, we guide you through the process of securing financing that fits your budget.

Digital & Online Banking

E-Statements and Mobile Payments

Say goodbye to paper clutter! With our e-statements, you'll receive your monthly account statements directly in your inbox. It's not only eco-friendly but also provides you with quick access to your financial information whenever you need it. Additionally, if you're someone who enjoys the convenience of making payments on the fly, you'll love our mobile payments feature. With just a tap on your smartphone, you can complete transactions securely and quickly.

Mobile Application and Person-to-Person Transfers

For even greater convenience, check out our mobile application. It puts all the power of online banking right in your pocket! You can manage your accounts, deposit checks remotely, and send money to friends or family effortlessly through our person-to-person transfer feature. No need for cash or checks just a few taps on your screen will do! In summary, whether you prefer managing your accounts from a computer or on-the-go with a mobile device, Code has you covered with secure and easy-to-use digital banking options. Experience real-time account management that fits seamlessly into your lifestyle!

Financial Strength

Commitment to Growth

With $17,318,347 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our $100,142,908 in total loans and leases support our members' financial goals across various sectors, including $1,671 in used auto loans.

Member Trust

We have built a community of trust with 25,805 total share accounts, showing a strong and growing member base that relies on us for their financial needs. Net Shares (Funds available for lending and investments): $5,994,512 further highlights our capability to support your financial aspirations. 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 355 W Monument Ave Dayton Oh 45402 or call (937) 222-8971 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Operational Efficiency

Our operations reflect our dedication to serving you. Despite having a net income of $487,600, we continue to provide 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 assist you with a knowledgeable and committed team.

Safe 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.

Loan Offering

At Code, we understand that financial needs can vary greatly from person to person. Whether you're looking to purchase a vehicle, buy a home, or manage your expenses, we have a range of loan products designed to meet your specific requirements. Our commitment is to help you achieve your financial goals with ease and confidence. With over 8,599 loans issued, we've helped thousands of members achieve their financial aspirations. If you're considering getting a new car, our auto loans offer some of the lowest rates in the industry. We currently have $29,024,157 in used vehicle loans and $17,338,343 in new vehicle loans already assisting our members in hitting the road. Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $13,037,857, making buying or refinancing simple and straightforward. For those seeking additional flexibility, we offer unsecured credit card loans with a total of $4,308,904 available to help members manage their finances effectively. If you're a business owner, our outstanding commercial loans amounting to $3,211,325 provide the capital needed to grow and expand your operations. If you're interested in refinancing or checking your eligibility for any of our loan products, please don't hesitate to reach out. Our team at Code is here to assist you every step of the way. Feel free to visit us at 355 W Monument Ave Dayton Oh 45402, Dayton, OH, or give us a call at (937) 222-8971 for more information on how we can help you secure the financing you need. Remember, 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's make your financial goals a reality together!

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CODE CREDIT UNION - Dayton, OH

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