No stored Google rating available.
CODE Credit Union is a member-owned financial institution serving the Miami Valley region for over 80 years, offering checking, savings, loans, credit cards, and mortgage services.
Data compiled from public sources
CODE Credit Union has been operating in the Miami Valley for more than 80 years as a member-owned cooperative financial institution. The credit union is open to individuals who live, work, worship, or attend school in Montgomery, Darke, Preble, Warren, Miami, Clark, and Greene counties. As a credit union rather than a traditional bank, CODE operates under a member-first model focused on community service and financial accessibility.
CODE offers a comprehensive range of consumer and business financial products including deposit accounts (checking and savings), consumer loans (personal, auto, RV/boat, home equity), mortgages, home equity lines of credit, credit cards (Visa), and youth savings accounts. The institution also provides business banking services tailored to small businesses and their employees. Additional offerings include investment and wealth management services, financial literacy resources, and partnerships for tax preparation discounts through TurboTax and H&R Block.
As a credit union, CODE distinguishes itself through member ownership and reinvestment of profits back into member benefits. The organization emphasizes financial literacy as a core mission and offers special programs like their "COOL Kids Club" for youth financial education. Current promotions include rate claims to verify (as low as 5.99% APR on home equity loans and 6.74% APR on select loans), promotional periods like "no pay for 60 days" on RV/boat loans, and member rewards programs such as debit round-up savings features and scholarship opportunities.
CODE appears to be a legitimate, established regional credit union with standard regulatory identifiers (routing number 242277769) and multiple service channels including phone, email, physical branches, and online banking. The organization operates transparently with clear contact information and published wire transfer procedures. However, as a regional institution, membership eligibility is geographically restricted and service offerings may be more limited compared to national banks.
This is state-level context for Credit Unions consumers in Dayton, OH. It does not confirm that Code or this specific location is licensed.
State regulator
Ohio Department of Commerce Division of Financial Institutions
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Code processed 119 mortgage applications in 2023, with 89.1% recorded as approved across 1 states.
119
Applications
89.1%
Approval Rate
$46K
Avg Loan
1
States Served
Based on 119 applications. Income in thousands (reported by applicant).
Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.
Code offers 14 services including Checking and savings accounts with smart saver checking option, Debit round-up savings feature, RV and boat loans with rates as low as 6.74% APR, Personal loans and auto loans, Home equity loans with rates as low as 5.99% APR and no closing costs, and 9 more.
Code has profile signals associated with Individuals living or working in the Miami Valley region (Montgomery, Darke, Preble, Warren, Miami, Clark, Greene counties) seeking member-owned banking, First-time homebuyers exploring prequalification and mortgage options with personalized service, Parents interested in teaching children financial literacy through youth accounts and savings programs, Small business owners needing tailored banking and employee financial services in the region.
Key strengths: Member-owned credit union structure with 80+ years of community presence in the Miami Valley region; Competitive loan rates including home equity loans as low as 5.99% APR with no closing costs; Broad product range including checking, savings, auto loans, mortgages, home equity loans, and credit cards. Areas to consider: Membership is geographically restricted to seven specific counties (Montgomery, Darke, Preble, Warren, Miami, Clark, Greene), excluding those outside this region; Limited national presence compared to major banks; regional institution may have fewer ATMs and branch locations.
In the Credit Unions category, comparable providers include CME Federal Credit Union, Education First Credit Union, Pathways Financial Credit Union - Grandview. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
CODE Credit Union is profile signals for individuals and small business owners within its seven-county service area in Ohio seeking member-owned banking with rate claims to verify, financial literacy focus, and personalized service. The primary caveat is geographic eligibility—membership is restricted to those who live, work, worship, or attend school in specific counties, making it unavailable to consumers outside the Miami Valley region.
CME Federal Credit Union is a member-owned financial institution founded in 1935, serving Central Ohio residents with competitive savings rates, low loan rates, and personalized service.
Google rating from 249 reviews
Profile signals: Central Ohio residents and employees seeking rate claims to verify with a community-focused financial institution, Homebuyers in Ohio looking for listed savings programs and mortgage lending
Education First Credit Union is a member-owned financial cooperative celebrating 90 years of service, offering savings, checking, loans, and financial education primarily to the educational community.
Google rating from 116 reviews
Profile signals: Education sector employees and students seeking member-owned financial services with educational focus, Consumers prioritizing financial education and seeking guidance beyond basic banking services
Ohio-based credit union offering member-focused financial services including checking, savings, loans, and digital banking solutions.
Google rating from 342 reviews
Profile signals: Ohio residents seeking member-owned banking alternatives to traditional banks, Consumers prioritizing privacy, security, and not-for-profit financial institutions
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