Back to Dayton credit unions

Code

355 W Monument Ave, Dayton, OH 45402
NCUA Insured4.0 (82 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1940

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

355 W Monument Ave

Dayton, OH 45402

Service Area

This credit union is located in Dayton and serves members in the OH area. Currently serving 13,127 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.87%

Used Auto Loan

6.90%

Personal Loan

10.99%

Credit Card APR

12.73%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in OH

Lowest rates currently reported by credit unions in OH (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(5 total)

Member Reviews

4.0

82 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Ashley Ogden

Ashley Ogden

5 months ago

I am extremely disappointed with the way CODE Credit Union has handled my account. I have been a member for several years, and throughout 2025 I experienced multiple layoffs. Despite these financial hardships, I always communicated in advance if a payment might be late and did my best to stay on top of my obligations. My most recent layoff occurred on December 18, with no opportunity to return. I secured a new job beginning January 1 and proactively informed CODE Credit Union that my first paycheck would not be issued until January 28. I also clearly communicated that my car payment, which is due on January 25, would be made on January 28. To help me get through the three-week gap without income, my mother provided me with some money for basic living expenses. However, when I checked my account last night, I discovered that all of those funds had been transferred to my car loan—even though the payment is not due until January 25. When I contacted the credit union, I was told that a collections representative named Molly transferred the funds simply because she saw a deposit. No prior notice was given, and no consideration was made for my financial situation or the fact that the payment was not yet due. As a result, I now have no money for essential living expenses. This situation has caused significant hardship and could have been avoided through proper communication and professional handling of my account. Unless this payment is immediately reversed, I will be switching banks. This experience has been extremely unprofessional and disappointing.

Vail McGuire

Vail McGuire

3 months ago

Their customer service is abysmal. Their website is impossible. Just trying to make a payment is complicated. However the worst is when I go to make a payment, the only option I have is to make the current payment and the following month's payment. In other words, they try to extort 2 payments from me. If I could switch my car loan to anyplace else, I would.

Michael Seflers

Michael Seflers

4 months ago

Farareia did a great job consulting with me and helping me establish my code credit union business account. Highly recommend!

Grace Everett

Grace Everett

6 months ago

These guys have been amazing! They serviced my auto loan only a few days before I moved out of state - it’s been so easy to work them across the miles! Thanks Code Credit Union, it’s been a pleasure and I will definitely seek you out when I am ready to buy again!!

Peace Quiet

Peace Quiet

7 months ago

I’m personally disgusted at this point when it comes to their professionalism, returning phone calls , adding on fees extra overdraft without touching your card , then say oh well u don’t know how this works , when it comes to a persons own money customer service ain’t no where how it was when my family banked with them years ago I will call the bbb over this matter because it’s ridiculous

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).