Credit union · NCUA insured
CODE Credit Union
A $176.7M credit union headquartered in Dayton, OH, with 13,095 members and 4 branches in Ohio.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: only special-purpose accounts (IRA, youth) are published. Savings: only special-purpose accounts (IRA, youth) are published. Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- CDs—3.95%Needs another account or monthly activityCD rates →
- Savings—0.50%Needs another account or monthly activitySavings rates →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About CODE Credit Union
Founded in 1940 to serve City of Dayton employees, CODE Credit Union is a member-owned financial cooperative.
Based in Dayton, Ohio, the credit union serves members across Montgomery, Miami, Darke, Preble, Warren, Clark, and Greene counties.
- Headquarters
- 285 Liberty St, Dayton, OH 45402
- NCUA charter
- 66840
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who works, lives, worships, or attends school in Montgomery, Miami, Preble, Darke, Clark, Greene, or Warren County.
Branches
4 branches in Ohio
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Ohio
4 branches
- Northmont High School Student Run Credit Union4916 National Rd, Clayton, OH 45315Directions
- Dayton355 W Monument Ave, Dayton, OH 45402Directions
- Stebbins High School Student Run Credit Union1900 Harshman Rd, Dayton, OH 45424Directions
- Englewood415 W National Rd, Englewood, OH 45322Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.11% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.98% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.71% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $67 | $76 | — |
- CapitalNet worth ratio12.11%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.98%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.71%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$67Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of CODE Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.