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.
CH
Cassie Haugse
May 26, 2022
5.0
I've had nothing but fantastic service from CCU! I have applied and been approved for two loans through them and the process was smooth and very quick! I will continue to take my business to them and will be opening a checking account, as well. A huge shout out to Beth Bihn at the Englewood office. She is a rockstar!
Frequently Asked Questions About CODE Credit Union
What are the membership eligibility requirements for CODE Credit Union?
Membership is open to anyone who lives, works, worships, or attends school in Montgomery, Miami, Preble, Darke, Warren, Clark, or Greene counties in Ohio.
What services does CODE Credit Union offer?
CODE Credit Union offers personal accounts, consumer loans, student loans, home loans, eServices, business services, and investments.
Where is CODE Credit Union located?
CODE Credit Union is located at 415 W. National Rd., Englewood, OH 45322, USA.
What are the operating hours of CODE Credit Union?
The credit union is open Monday to Thursday from 9:00 AM to 5:00 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to 12:00 PM. It is closed on Sundays.
How can I contact CODE Credit Union?
You can reach CODE Credit Union by phone at +1 937-222-8971 or email at codecu@codecu.org.
Does CODE Credit Union have mobile apps?
Yes, CODE Credit Union offers mobile apps available on Android via the Google Play Store and iOS via the Apple App Store.
What is the year of establishment for CODE Credit Union?
CODE Credit Union was established in 1940 and has been improving members' financial lives since then.
What nearby restaurants can I visit before or after visiting CODE Credit Union?
Nearby restaurants include Steak Escape - Englewood, McDonald's, China Palace Restaurant, Ninja Ramen, and Domino's Pizza, perfect for a meal before or after your visit.
Where can I find other financial services near CODE Credit Union?
Nearby financial institutions include KeyBank, Eagle Loan Company, and First Financial Bank, offering additional banking and loan services.
What nearby services can I access around CODE Credit Union for convenience?
Around CODE Credit Union, you can find convenience options like United Dairy Farmers for gas and snacks, Redbox for rentals, and Dollar General for discounted goods.