Code Credit Union Dayton OH | Best Auto Loans & Personal Banking

Introduction

At Code, located at 1900 Harshman Rd, Dayton, OH 45424, we believe that banking should be more than just transactions; it should be about building relationships and supporting our community. Established in 1940, our credit union has grown to serve over 12,673 members, providing a range of financial services tailored to meet their needs. With a strong commitment to member satisfaction, we've amassed total assets of $162,169,333 and total deposits reaching $8,876,458. Under the leadership of CEO Scott Rutherford and Board President Doyle Burke, we strive to create a welcoming environment where members can feel secure in their financial decisions. Our team of 27 dedicated employees is here to assist you whether you're looking for personal banking solutions like checking and savings accounts or seeking financing options such as auto loans and mortgages. While members can visit us at our branch on Harshman Road, official correspondence should be sent to our mailing address at 285 Liberty St, Dayton, OH 45402. We are proud to offer various services including online and mobile banking for your convenience. Join us today at Code Credit Union! Explore how we can help you achieve your financial goals. Feel free to give us a call at 937-222-8971 or visit our website at www.codecu.org for more information. Your journey towards better banking starts here!

Branch History & Mission

At Code, we pride ourselves on our rich history and unwavering commitment to the communities we serve. Established in 1940, our branch has grown alongside Dayton, OH, nurturing relationships and supporting families for over eight decades. From our humble beginnings, we have evolved into a trusted financial partner for more than 12,600 members, offering a wide array of services designed to meet the needs of individuals and businesses alike. Located at 1900 Harshman Rd, Dayton, OH 45424, our branch is easily accessible to all residents in the area. While our primary address serves as the hub for all in-person banking needs, official correspondence can be sent to our mailing address at 285 Liberty St, Dayton, OH 45402. This strategic location allows us to remain close to our members while providing the community with essential financial services. Our mission is clear: to empower our members through innovative banking solutions and dedicated support. We believe that everyone deserves access to financial tools that help them achieve their goals. Our services include personal banking accounts, auto loans, mortgages, and business banking solutions. Each service is crafted with care to ensure it meets the diverse needs of our members. Over the years, we have reached significant milestones that reflect our growth and commitment to excellence. With total assets now exceeding $162 million, we stand strong as a pillar of financial stability in the community. Our operating hours are conveniently set for Tuesdays and Thursdays from 11 AM to 1 PM EST, ensuring that members can find time in their busy schedules to visit us. As part of our mission, we continuously embrace technological advancements that enhance member experiences. From mobile payments and online banking to electronic signatures and e-statements, we strive to make banking simple and accessible for everyone. While we currently do not offer ATM or drive-thru services, our dedicated staff is always ready to assist you during lobby hours. Beyond banking services, Code actively engages in community outreach programs and partnerships that uplift those around us. We understand that true success goes beyond finances; it's about building a supportive environment where everyone can thrive. Join us at Code and experience firsthand the benefits of being part of a credit union that genuinely cares about its members and community. Whether you're looking for a reliable place to save or need guidance on your financial journey, we are here for you every step of the way. Visit us today or explore more about membership options at our website. Together, let's build a brighter future!

Branch Location & Accessibility

Accessibility Features

At Code Credit Union, we prioritize accessibility for all our members. Our branch is designed with ADA compliance in mind, featuring ramps and designated parking spaces. This ensures that everyone can easily reach us and enjoy a comfortable banking experience.

Get In Touch

Have questions or want to learn more? Feel free to give us a call at 937-222-8971. We invite you to stop by Code Credit Union today and discover how we can help you achieve your financial goals!

Operating Hours

We're here for you on Tuesdays and Thursdays from 11 AM to 1 PM EST. Whether you need help with personal banking, auto loans, or other financial services, our friendly staff is ready to assist you during these hours.

Services Offered

At our branch, you can take advantage of a wide range of services tailored to meet your needs. From checking and savings accounts to auto loans and credit cards with rewards, we offer everything you need under one roof. Plus, with online and mobile banking options available, managing your finances has never been easier.

Member Eligibility

At Code, we believe that everyone deserves a chance to thrive in their financial journey. Becoming a member is simple and welcoming! If you live, work, or attend school in the Dayton area, you're likely eligible to join our community. We aim to support our members with personalized services that make banking feel more approachable and less intimidating. To find out if you qualify, we encourage you to visit our eligibility page at http://www.codecu.org/membership for detailed information. Once you're ready to take the next step, opening an account is a breeze! Just head over to our account opening link at https://access24.codecu.org/enroll, and you'll be on your way to enjoying all the benefits that come with being part of Code. If you have any questions, don't hesitate to reach out at (937) 222-8971. Join us today and experience the difference of being a valued member at Code, located at 1900 Harshman Rd Dayton Oh 45424!

Business Banking & Commercial Services

Financing Options That Matter

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 Tailored for You

In addition to loans, we offer merchant services that simplify payment processing. Imagine serving customers who can pay easily whether through credit cards or mobile payments allowing you to focus on what you do best. Our tools help streamline transactions, making it easier for your business to operate smoothly. Visit us at 1900 Harshman Rd Dayton Oh 45424 in Dayton, OH, or call us at (937) 222-8971 to learn more about how our business banking services can empower your success!

Comprehensive List Of Services

Business Banking Services

For entrepreneurs and small business owners, we provide Business Banking services including Merchant Services and Business Loans. Imagine having a partner who understands the challenges of running a business and offers tailored solutions to help you thrive. From setting up accounts to accessing funds for growth, we're here for you every step of the way.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking services so you can manage your accounts anytime, anywhere. Whether you're transferring funds between accounts or checking your balance on the go, our user-friendly platform makes banking easier than ever before. Additionally, while we currently do not have ATM services available at this branch, we ensure cash withdrawal needs are met efficiently through various local partnerships and locations.

Get Started Today!

With so many services designed with your needs in mind, now is the perfect time to explore what Code can do for you! For more information about our offerings or assistance with opening an account, feel free to reach out at (937) 222-8971 or visit us during lobby hours on Tuesdays and Thursdays from 11 AM to 1 PM EST. Join us at Stebbins High School Student Run Credit Union, where we prioritize your financial well-being and work together towards achieving your dreams!

Personal Banking Solutions

Whether you're looking to open a checking or savings account, our personal banking options are designed for ease and accessibility. Imagine having your funds at your fingertips, ready for everyday purchases or future plans. Our accounts come with features that help you manage your money efficiently. When it comes to financing a vehicle, our Auto Loans & Vehicle Financing options make it simple and straightforward. Picture yourself driving off in your dream car with affordable monthly payments that fit your budget. We also offer Mortgage Loans & Refinancing, ensuring that owning a home is within reach for many of our members. Our team is here to guide you through the process, making it as smooth as possible. If unexpected expenses arise or if you want to consolidate debt, our Personal Loans can be a lifesaver. With competitive rates and flexible terms, we aim to alleviate financial stress when you need it most. Plus, our Credit Cards with Rewards give you the chance to earn points on everyday purchases, turning spending into rewards.

Digital & Online Banking

Convenient Features

Our online banking services allow you to check your balance, transfer funds, and pay bills with just a few clicks. Plus, you can enjoy the convenience of e-statements, which are available at your fingertips no more waiting for paper statements in the mail! For those busy days when you're on the go, our mobile application makes it even easier to manage your accounts right from your smartphone.

Real-Time Management

With person-to-person transfers available, sending money to friends or family is quick and hassle-free. Whether it's splitting a dinner bill or helping someone out in a pinch, our services let you handle transactions in real time. And because our online banking is available 24/7, you can manage your accounts whenever it suits you best. Join us at Code and experience the benefits of modern banking designed with your convenience and security in mind. Explore all these features today and take control of your financial future!

Security You Can Trust

Security is a top priority at Code. Our electronic signature authorization feature ensures that your transactions are safe and secure. We also support mobile payments, making it simple for you to pay for purchases without the need for cash or cards. You can feel confident knowing that your personal information is protected while you bank online.

Financial Strength

Member-Centric Savings

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.

Operational Efficiency

Our $487,600 reflects our operational efficiency, 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.

Reinvesting for 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 lending capacity supports your financial goals with $1,671 in used auto loans and $100,142,908 in total loans and leases.

Strong Capital Position

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.

Trustworthy Partnerships

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 1900 Harshman Rd Dayton Oh 45424 or call (937) 222-8971 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. We provide options for both new and used vehicles, ensuring you can find financing that fits your budget. Plus, if you're considering refinancing your current auto loan, we have solutions available that can help lower your monthly payments.

Business Loans

For business owners, our outstanding commercial loans totaling $3,211,325 provide the capital needed to grow and expand. We understand the unique challenges businesses face and are dedicated to supporting local entrepreneurs with tailored financing options. At Code, we're committed to helping you find the right loan product for your situation. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. If you're ready to take the next step toward your financial goals or have questions about our offerings, feel free to reach out at (937) 222-8971 or visit us at 1900 Harshman Rd Dayton Oh 45424 in Dayton, OH. Your journey towards better financial health starts here!

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 offer competitive rates and flexible terms to fit your needs. If you're unsure about eligibility or have questions about the process, our team is here to guide you every step of the way.

Unsecured Credit Card Loans

Managing expenses can be challenging, but we also offer flexible terms on unsecured credit card loans, with a total of $4,308,904 in loans helping members manage their finances effectively. These cards come with rewards and benefits designed to make everyday spending easier while building your credit history.

Loan Aggregator

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CODE CREDIT UNION - Dayton, OH

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