Member Assistance Program FAQ

Who is eligible for the Member Assistance Program?

Those whose income and/or employment status has been adversely affected because of an involuntary furlough, job change or layoff, or participation in a voluntary leave of absence, severance or early retirement program. Also, those Delta employees who were Delta Community Credit Union members prior to commencement of the eligibility window for the initial voluntary programs.

If I am a Delta Community member and my income and/or employment status is adversely affected as result of an involuntary furlough, job change or layoff, participation in a voluntary leave of absence, severance, or early retirement program, can I keep my Credit Union membership?

Yes. Once you are member of Delta Community, you are always a member and maintain all the privileges of membership, provided you do not voluntarily close your account or cause the Credit Union a loss.

Will my consumer loans be immediately called due and payable if my income and/or employment status is adversely affected as result of an involuntary furlough, job change or layoff, or participation in a voluntary leave of absence, severance or early retirement program?

No. Your obligations under the terms of your loan agreement will remain the same.

What options do I have regarding my Delta Community loans if my income and/or employment status is adversely affected as a result of an involuntary furlough, job change or layoff, or participation in a voluntary leave of absence, severance or early retirement program?

Delta Community may provide assistance through temporary payment reductions on existing Delta Community loans (with some exceptions).

Will my company notify Delta Community if my employment status has been adversely affected?

No. You’re responsible for notifying Delta Community that your employment status has changed.

Does interest continue to accrue while I'm participating in this program?

Yes. It will continue to accrue on all loans and it will be posted to your loans with each scheduled payment.

Which loans are eligible for the Member Assistance Program?

Once qualified, the Member Assistance Program applies to all consumer loans except Overdraft Protection Loans, Savings Secured Loans and Stock Loans. To find out about 1st and 2nd Mortgage loans and Home Equity Lines of Credit, contact us at 404-677-8688.

Will my Visa®, Personal Line of Credit or Home Equity Line of Credit limits be decreased?

Possibly. Delta Community will notify you if there are any adjustments made to the limits on your existing loans.

When will my payments resume?

Once you’ve completed our Member Assistance Program, regular payments will resume at the next scheduled due date.

If I make loan payments for other family member loans, will they be included in the Member Assistance Program?

No. Only loans to primary members whose income and/or employment status is adversely affected in accordance with the terms of this Program are eligible.

If I add to, or take an advance on, an existing consumer loan that is being included in the Member Assistance Program, will it be eligible for assistance?

No.

If I get a new loan while my existing loans are being included in the Member Assistance Program, will it be included as well?

No. Only existing consumer loans will be eligible for the Member Assistance Program.

Can I make additional payments during the Member Assistance Program?

Yes.

If I participate in the Member Assistance Program, will it reflect negatively on my credit report?

No. You won’t be considered past due during the Member Assistance Program as long as you’re complying with the agreed-upon terms.

I have disability insurance on my loans. Will this insurance cover my loan payments under these circumstances?

No. Disability insurance doesn’t apply, unless you’re out of work for more than 14 days as a result of an illness or injury.

If I have received loan pre-approval, will it be rescinded?

Possibly. It’s contingent upon reverification of your employment status and income.

If I've already participated in the Member Assistance Program, can I participate again?

It’s possible. You should contact Delta Community's Advanced Servicing at 404-677-4540 or 800-544-3328 to find out. Your request will be reviewed on an individual basis.

What happens to my statements?

Delta Community will continue to mail your statements to your primary mailing address unless you request otherwise in writing. This also applies to eStatements.

Will I still be able to access my loan information through Online Banking and Audioline?

Yes.