Insights for December 2018

Monthly newsletter INSIGHTS December 2018

Holiday Loans Make the Season Brighter

friends giving gifts

Delta Community is making your holiday season a little easier! Now through December 31, apply for a 12-month Holiday Loan for as low as 6% APR 1 for well-qualified borrowers with excellent credit. The application is easy and the funds can go directly into your Checking Account—usually by the next business day.

A Holiday Loan is great for:

  • Traveling expenses
  • Gift giving
  • Hosting family
  • Paying bills

To apply, log in to Online Banking and select Apply for a Loan under the Loans tab or ask a Delta Community representative for more information today.

Give Back Giveaway Winners Announced

give back giveaway winner

Earlier this year, Delta Community teamed up with Jenn Hobby and Jeff Dauler from Star 94.1 for Jeff & Jenn’s $10,000 Give Back Giveaway. We asked metro Atlanta youth to organize a service project in their school’s community that gives back to young people. We recognized the top five schools, with three finalists receiving $1,000 each, the runner-up receiving $2,000 and one grand prize winner receiving $10,000.

The grand prize winner of the $10,000 Give Back Giveaway is the #RecessForAll Kid Committee at Arcado Elementary School. This group of students raised money to build an inclusive playground at their school so that kids with disabilities are never left out during recess, with the $10,000 being the final amount they needed to break ground. Star 94.1 and Delta Community Credit Union presented the students with their check at a surprise pep rally held at the school. The $2,000 prize was awarded to the Miss Leaders organization at Cotton Indian Elementary School for its Little Free Library book exchange.

The three $1,000 finalists are:

  • The Junior Beta Club at Barack and Michelle Obama Academy Atlanta for their project to collect clothing, shoes and toiletries for children and families in need.
  • Little Mill Middle School with its “Mustangs on a Mission” service project which enables students to volunteer at non-profit organizations.
  • West Forsyth High School’s Freshman Fellows organization for its “Why You Matter” campaign to promote a positive school environment and spread words of kindness.

Earn a Special Referral Bonus with Friendsgiving

Friends gathered for dinner

Refer your friends, family and coworkers to Delta Community and receive a limited-time double bonus - $100 for each qualified referral2 from now until December 31. Celebrate with those who are most important in your life and give them the gift of Credit Union membership - plus they can get $50 when they join. To get started, just follow these simple steps:

  1. Create a Refer-A-Friend account online
  2. Send a referral message to eligible friends via email, Facebook, Twitter or LinkedIn
  3. Check the status of your referrals online
  4. You get $100 for each friend who opens an account and meets a few simple requirements and your friend gets $50

2018 Season of Giving and Receiving Sweepstakes

family shopping for holiday gifts

With this year’s Season of Giving and Receiving Sweepstakes3, make a qualifying payment using Delta Community’s Bill Pay service online or on our Mobile App from now through December 31 and you’ll be automatically entered for a chance to win $5,000 from Fiserv, our Bill Pay service provider! To participate, simply add and pay a new bill, activate a new eBill or set up a new AutoPay to be entered for a chance to win. Additionally, a matching donation will be sent to charity through the non-profit organization Good 360.

Buford & Suwanee Branches Celebrate 10th Anniversaries

Delta Community Branch celebrating anniversary
Delta Community CEO Hank Halter (far left) and SVP of Branch Delivery, Pam Davis present the Suwanee Branch with their award to commemorate this milestone.

Last month, Delta Community celebrated the 10th anniversaries of our Buford and Suwanee Branches. During ceremonies held at each branch, CEO Hank Halter presented the branch managers with special awards to recognize the milestone and thank the teams for their hard work and dedication to our members.

We have 28,000 members living or working in Gwinnett County, many of which call Buford and Suwanee their home branches. We are proud to support and serve the Gwinnett community.

Take Advantage of Our CD Rate Promotion

friends out on a hike

Earn more on a 12-month CD with Delta Community! From now until December 31, get a special rate of 1.95% APY4 when you open a new 12-month CD or renew an existing one.

Deciding if a CD is right for you? A few benefits of a CD include:

  • Getting a great return on your money with a secure savings account
  • No hidden fees or charges
  • Federally insured up to $250,000 by the NCUA

HBCU Scholarship Application Period Now Open

HBCU Scholarship

Throughout 2018, Delta Community is awarding $10,000 in scholarships to four students of Historically Black Colleges and Universities (HBCUs). We are now accepting nominations for our fourth quarter HBCU Scholarship. If you know an exceptional student currently attending a Georgia HBCU or a graduating high school senior who has received an official acceptance letter to a Georgia HBCU, tell us why they deserve to receive a $2,500 scholarship.

The HBCU Scholarship is part of our annual Scholarship Program. Visit our website to learn more about all of the scholarships that we offer.

Take a Payment Holiday

couple laughing together

You could qualify to skip a loan payment! Our Payment Holiday Program allows you to skip an eligible Consumer Loan payment5, guilt-free, and can help free up some extra cash that you might need this time of year.

Here are some key things to know before requesting your Payment Holiday:

  • Loans must be open for a minimum of six months to be eligible.
  • Real Estate Loans, Business Loans, Holiday Loans, Consumer Lines of Credit, Visa® Young Adult and Secured Credit Cards and single-pay loans are not eligible for this offer.
  • Payment Holidays may be requested up to the payment due date via Online Banking. All loans that are eligible for a Payment Holiday will be displayed.
  • Finance charges will continue to accrue and your loan maturity date will be extended, if applicable.

To request a Payment Holiday, simply log in to Online Banking and select Payment Holiday from the Loans tab.

Monthly Blog

Three Thrifty Tasks to Tackle Before Year’s End: Even though this time of year can be stressful and overbooked, consider taking a few minutes to tackle these three year-end financial planning tasks.

Financial Status

As of October 31, 2018:
Assets: $5.8B | Deposits: $5B
Loans: $4.6B | Members: 384,451

Holiday Closings

Christmas Day
Tuesday, December 25
Holiday Closings


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Contact Us

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


1 APR=Annual Percentage Rate. Rates subject to change. This offer is based on creditworthiness at the time of offer acceptance. Income verification may be required. This offer is available November 1 – December 31, 2018.

2 Refer-A-Friend bonus cannot be combined with other promotions and is not valid for previous offers. Bonus payments are made within 60 days of program requirements being met. You can earn up to $500 per year. See Program Rules for more information. Offer good November 1 – December 31, 2018.

3 The 2018 Season of Giving & Receiving Sweepstakes. NO PURCHASE OR PAYMENT NECESSARY TO ENTER OR WIN. A PURCHASE WILL NOT INCREASE YOUR CHANCES OF WINNING. Sweepstakes starts at 12:00:01 a.m. ET on October 15, 2018 and ends at 11:59:59 p.m. ET on December 31, 2018. Open to legal residents of the 50 United States and D.C. who are 18 years of age and older and are Delta Community Credit Union members. Void where prohibited. View Official Rules including details on how to enter by mail. Sponsor: Fiserv Solutions, LLC, 255 Fiserv Drive, Brookfield, WI 53045.

4 APY=Annual Percentage Yield. Rates subject to change. The Annual Percentage Yield for a Delta Community Certificate of Deposit is 1.95% for a 12-month term beginning October 24, 2018. Minimum opening deposit and balance of $1,000.00 are required. Offer includes 12-month IRA CDs. An early withdrawal penalty equal to 90 days of interest for 12-month CDs is incurred when closed prior to maturity.

5 Consumer Loans must be current (and liens perfected) to be eligible. Finance charges will continue to accrue as explained in the LoanLiner Credit Agreement and the loan maturity date will be extended, if applicable.

NCUA This credit union is federally insured by the National Credit Union Administration.