Delta Community Insights

Delta Community Insights for April 2022

Get Going with a Car or Vehicle Loan

famly and dog riding in car

Delta Community is offering members low rates on new and used Car and Vehicle Loans from now until May 31. Well-qualified borrowers with excellent credit can get rates as low as 1.38% APR on new and used Car Loans and as low as 3.98% on loans for boats, motorcycles, RVs and more!1 As an added bonus, members who finance with us and purchase their car through Carvana will receive an extra .25% off their already low rates.2 To learn more or apply now, log in to Online Banking or our Mobile App and select Apply for a Loan, or call our Loan Consultant Group at 844-544-9478.

Woodstock Branch Opening Soon

Delta Community Woodstock Branch

The construction of our newest branch is nearly done! We recently announced that we’ve selected Woodstock as the home of our next branch location in metro Atlanta. The full-service branch will be located at 285 Molly Lane near the intersection of I-575 and Highway 92. The branch will offer a full suite of banking services, as well as three drive-thru lanes, two ATMs, Live Teller services as well as a night drop. We look forward to serving members, and welcoming new ones, with this new, convenient location. Follow us on Facebook for updates regarding the progress and opening of the Woodstock Branch.

Make Your Move and Save $500 or More on Closing Costs

Family and dog on couch in home

Members looking to buy their first home, upgrade or refinance can make the experience easy and affordable with low rates on a variety of Delta Community Home Loans.

Our experienced team of Home Loan Specialists are ready to guide you toward the very best home solutions and quickly answer any questions all the way through closing and beyond.

Apply and receive:

  • $500 off closing costs on Fixed or Adjustable-Rate Home Loan Purchases through December 31, 20223
  • $500 off closing costs when you Refinance your Home Loan by May 31, 20223
  • $1,000 off closing costs on Jumbo Loan Purchases and Refinances by May 31, 20224

For more information, or to apply, visit, call 866-963-7811, email or schedule an appointment with a Home Loan Specialist today.

Delta Community's Spring 2022 Pay and Get Paid $1,000 Sweepstakes

Couple looking at phone

Making payments could really pay off! Each time you send a payment with Zelle® or make a qualified transaction with Delta Community’s Bill Pay between now and April 30, you’ll be entered for a chance to win the Delta Community 2022 Pay and Get Paid $1,000 Sweepstakes!5 Qualifying transactions include sending $5 or more to anyone using Zelle,6 adding and paying a new biller ($10 minimum payment required), activating a new eBill7 and setting up an automatic payment.8 Don’t miss your chance to win $1,000. Use Bill Pay and Zelle today!

Youth Month at Delta Community 

mom teaching young son about money

This April, we’re celebrating National Credit Union Youth Month at Delta Community! One of the most valuable lessons that we can teach our children is how to save and spend wisely.

The “Catch Me If You Can” Youth Savings Sweepstakes Challenge is a great way to establish a tradition of saving with your children. Help your young saver(s), ages 12 and under, set a savings goal to achieve by April 30. Work with them to identify creative ways to earn money and deposit to their Delta Community Youth Savings Account throughout the challenge, and we’ll select 10 winners by random drawing to match what they’ve saved during the contest, up to $100 each! To register for the challenge, complete and return the contest entry form9 for your saver(s). For more information, and to start the challenge, visit our website.

HBCU Scholarship Application Period Open

HBCU Scholarship

Delta Community will award $20,000 in scholarships throughout 2022 to students of Historically Black Colleges and Universities (HBCUs). Our first HBCU Scholarship entry period is now open and will run through April 30. If you know an exceptional student attending an HBCU or a graduating high school senior who has received an official acceptance letter to one, tell us why they deserve to receive a $5,000 scholarship. You may also nominate yourself. Delta Community will select two winners to each win a $5,000 award from among the most compelling submissions. 

Philanthropic Fund Grants Awarded in March

Philanthropic Fund recipients True Colors Theater

We recently presented three more grants from our 2022 Philanthropic Fund, totaling $15,000 to the organizations listed below:

  • True Colors Theater Company, pictured above, accepted a grant of $2,500 to go towards their mission of celebrating the rich tradition of Black storytelling while giving voice to artists of all backgrounds. The grant will help fund their Next Narrative Monologue Competition, where students will have the opportunity to compete for a spot in the National Finals in New York City.
  • Literacy Act, Inc. received $5,000 for their Technology Educational Support program. Their mission is to build better futures by empowering adults with literacy, life and work skills to break the intergenerational cycle of low literacy and poverty.
  • Atlanta Volunteer Lawyers Foundation was awarded $7,500 for their Safe and Stable Homes (SSH) Project, which helps low-income renters obtain safe and stable housing from landlords. In addition, volunteer financial coaches provide their clients with financial advice for budgeting, debt management and credit repair.

The Delta Community Philanthropic Fund will invest a total of $125,000 throughout 2022 in 20 metro Atlanta non-profit organizations that support the physical and financial needs of people who live within the communities we serve.

Activate Your Bonus Reward Points

friends eating together at restaurant

Each quarter, we offer an opportunity for participating Credit Cards to earn Bonus Reward Points for purchases in select categories from restaurants to retail.

Be sure to enroll each quarter to earn 2x or 3x the Reward Points on the purchases you make every day.

Activate bonus categories for April through June to earn:

  • 3x Reward Points for eligible purchases with Discount Stores, Fast Food and Restaurants
  • 2x Reward Points for eligible purchases at Gas Stations and Grocery Stores
  • 1x Reward Points for every $1 spent on eligible purchases in categories outside the bonus categories.

To activate, log in to your account and select Reward Points under the Additional Services tab in Online Banking or under More in our Mobile App. Click the link to enroll for the current quarter or an upcoming quarter. When you’re ready to redeem your points, you can choose from Cash Back, Gift Cards, Merchandise, Travel with no blackout dates and more.

Financial Education Center Seminars

At Delta Community, we know that knowledge is the key to reaching your financial goals and establishing good financial habits. That’s why we’re offering a series of workshops each month focusing on a different aspect of personal finance. Whether you’re planning for a major milestone or trying to better manage your finances, our Financial Education Center offers the tools to help you achieve financial success.

Register today for April’s series on Auto Buying. We’ll discuss how to prepare for buying your next car, what costs you can expect with owning a car, how to finance a vehicle the smart way, and the importance of proper insurance coverage. In addition, our friends at BALANCE will cover the basics of saving and investing. 

  • April 12: On the Road to Riches: The Basics of Saving and Investing | Live Webinar by BALANCE
  • April 14: 101: Car Buying Confidence | Live Webinar
  • April 20: Am I Covered? Understanding Personal Liability Insurance | Live Webinar
  • April 21: On the Roach to Riches: The Basics of Saving and Investing | Live Webinar by BALANCE
  • April 26: 201: Costs of Car Ownership | Live Webinar
  • April 28: 301: Auto Financing the Smart Way | Live Webinar

 Check our Events & Seminars page for more information on upcoming seminars.

Monthly Blogs

  • Keep Your Computer’s Data Secure, Even When Getting Rid of the Computer: Many of us are pretty dependent on our personal computers (PC) to assist in managing our lives, and that means we tend to store a wide range of personal information—our data—on them. From family photos and videos, music collections, medical and legal documents, to our resumes and examples of our work, the digital record of our lives tends to accumulate on our computer's memory drives, and probably grows larger over time. This information is valuable to us, and, potentially, could be valuable to a hacker, especially any financial and legal documents or financial account information. Information that is valuable should be protected from loss or theft, and it is well worth investing time (and maybe money) to safeguard your private data.
  • 2021 Tax Documents to Hold On to After Taxes Are Filed: The U.S. Internal Revenue Service (IRS) advises that tax filers should hold on to any records that will validate any itemized tax deductions or tax credits that are claimed on a 2021 tax return. If the documents—either in paper or digital form—will be used to establish any tax claims for last year, then keep them for several years after filing taxes this year. Details on how long to hold on to filing documents vary, as the IRS is particular about the time limitations for managing different types of records.
  • Top 7 Tips for a Smooth Home Loan: From Getting Pre-approved to Making an Offer: When getting a home loan, it’s important to carefully track and manage your finances to help avoid financing delays. It sounds simple, but staying in your current residence, sticking with your current job, and keeping your existing financial accounts all matter to the financing company and demonstrate fiscal stability.

Financial Status

As of February 28, 2022

  • Assets: $9.1B
  • Deposits: $8.2B
  • Loans: $5.3B
  • Members: 462,649

Holiday Closing

Memorial Day
Monday, May 30

Contact Us

Member Care: 800-544-3328
Home Loans: 866-963-7811


1 Rates expressed as Annual Percentage Rate (APR). Rates are based on creditworthiness and term of loan. This offer is for new and used cars and vehicles. Income verification may be required. APR available April 1 - May 31, 2022.

2 Services offered through Carvana are separate and distinct from any business conducted with Delta Community and are not guaranteed by or obligations of the Credit Union. Additional .25% APR discount is only available for Carvana purchases made through December 31, 2022. Discount is only offered for Used Car Loans.

3Receive $500 off closing costs for loan amounts $647,200 or less on Fixed-Rate and Adjustable-Rate Purchase or Refinance Loans. Offer for conforming Purchase Loans valid through 12/31/2022 and Refinance offer valid through 5/31/2022. Offer does not include Home Equity Loans.

4Receive $1,000 off closing costs for loan amounts $647,201 or greater on Fixed-Rate or Adjustable-Rate Purchase or Refinance Loans (Jumbo Loan). Offer valid through 5/31/2022 and does not include Home Equity Loans.

5From March 1, 2022 – April 30, 2022 (“Sweepstakes Period”) (1) use Delta Community’s Bill Pay service to (a) add a new payee and make a payment to the payee, (b) activate a new eBill or (c) set up a new AutoPay or (2) use Zelle connected to your Delta Community account to make an external transfer of $5 or more and you’ll be automatically entered to win one (1) of five (5) prizes, each consisting of a $1,000 cash deposit into the winner’s Delta Community Savings Account as part of our Delta Community 2022 Pay and Get Paid $1,000 Sweepstakes! For complete contest rules and details visit
NO PURCHASE NECESSARY TO ENTER OR WIN. Alternative method of entry available, by way of mail-in entries postmarked during the Sweepstakes Period. Sweepstakes open to U.S. citizens at least eighteen (18) years of age who are either Delta Community Credit Union members as of February 28, 2022 or residents of the counties in Delta Community Credit Union’s field of membership. Residents of Florida are not eligible to enter this sweepstakes. Mail-in entries must be submitted on a 3x5 card to qualify for entry.

6Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. THIS PROMOTION IS IN NO WAY SPONSORED, ENDORSED, ADMINISTERED BY OR ASSOCIATED WITH EARLY WARNING SERVICES, LLC OR ZELLE.

7eBill is an electronic version of a paper bill sent directly to you when a new statement is made available. eBills are sent from a biller to your Delta Community Bill Pay account the same way a paper bill arrives to your home mailbox. Our Bill Pay allows you to view all your eBills—as well as account balances, transactions and statement information—in one convenient place. Also, for additional convenience, you can set up email notifications for when a new eBill arrives in your Bill Pay account. You can set up eBills for any payee that displays an active eBill link in the Bill Pay Payment Center. Just click eBill and follow the simple steps.

8AutoPay is a means to set up repeating payments in Online Bill Pay. You can set up AutoPay for any company or person you pay regularly. You can set up and manage AutoPay and Reminders from the Payment Center. You can set up payments to be made based on a schedule that works best for you. You can change or stop AutoPay at any time.

9Complete the designated submission form and email to and (2) make a deposit into the corresponding Delta Community Youth Savings Account from March 1, 2022- April 30, 2022 (“Sweepstakes Period”) and you'll be automatically entered to win a deposit into the child’s Youth Savings Account matching the amount contributed to the Entrants Youth Savings Account by the child or parent/guardian during the Promotion Period up to $100 (the “Prize”) as part of our 2022 Delta Community Catch Me If You Can Savings Sweepstakes! For complete contest rules and details visit
NO PURCHASE NECESSARY TO ENTER OR WIN. Alternative method of entry available, by way of mail-in entries postmarked during the Sweepstakes Period. Sweepstakes open to Entrants 12 years of age or under and Delta Community Credit Union members as of February 28, 2022. Residents of Florida are not eligible to enter this sweepstakes. Mail-in Entries must be submitted on a 3x5 card to qualify for entry.