CODE Credit Union is a full-service financial institution focused on making member's financial lives easier. Membership is open to anyone who lives, works, worships or attends school in the counties of Montgomery, Miami, Preble, Darke, Warren, Clark and Greene.
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.
GE
Grace Everett
Nov 17, 2025
5.0
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!!
PQ
Peace Quiet
Nov 7, 2025
1.0
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
OT
Owen Terlinde
Sep 30, 2024
5.0
Quick and easy help.
JC
Jackie Collett
Sep 6, 2024
5.0
We have been with code for about 15yrs and they have always been good to us. Logan leen at the downtown branch is awesome helped us with two loans this week she goes beyond her call of duty to help with every step of the way of the process.great credit union
Frequently Asked Questions About CODE Credit Union
What services does CODE Credit Union offer to its members?
CODE Credit Union offers personal accounts, consumer loans, student loans, home loans, eServices, business services, and investments.
Who is eligible for membership at CODE Credit Union?
Membership is open to anyone who lives, works, worships, or attends school in Montgomery, Miami, Preble, Darke, Warren, Clark, and Greene counties.
What are the regular business hours of CODE Credit Union?
CODE Credit Union is open Monday through Friday, from 8:30 AM to 5:30 PM, and closed on Saturdays and Sundays.
Where is CODE Credit Union located?
The main branch of CODE Credit Union is located at 355 W. Monument Ave, Dayton, OH 45402, US.
How can I contact CODE Credit Union?
You can contact CODE Credit Union by phone at +1 937-222-8971 or email at codecu@codecu.org.
Does CODE Credit Union offer mobile banking apps?
Yes, CODE Credit Union offers mobile banking apps available on Android via Google Play Store and on iOS via the Apple App Store.
What nearby places can I visit around CODE Credit Union?
Nearby places include the Dayton Water Department, Artemis Center, and Southwest Ohio ENT Specialists, which you might find useful or interesting when visiting the area.
How can nearby places like the Dayton Water Department help me when visiting CODE Credit Union?
If you need to handle utility matters before or after banking, the Dayton Water Department is conveniently nearby for water services and inquiries.
Are there healthcare services close to CODE Credit Union?
Yes, Southwest Ohio ENT Specialists and Dayton Primary Care are nearby and can assist with ear, nose, throat, and family health needs.
What accommodations are available near CODE Credit Union for visitors?
Country Inn Suites is a nearby hotel providing comfortable accommodations for visitors to the area.