December 2020 Insights

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A Message from Our CEO—Year in Review

CEO Hank Halter

Dear Members,

This year has been unlike any other as we have faced so many challenges from the COVID-19 pandemic. For most of 2020, we have had to make many unexpected adjustments to how we live and work, including the difficult task of quarantining and socially distancing ourselves for the common good.

As financial service providers, credit unions are considered essential businesses by the federal government, and we have a duty to sustain operations and support for our members. In March, as COVID-19 was declared a national emergency, we installed a variety of safety measures in our branches to deliver a high level of care while safeguarding the health of everyone. For a brief time, we transitioned to an appointment-only and drive-through approach based on a temporary stay-at-home order issued by Governor Brian Kemp. We reopened our branch lobbies after the order expired and in careful consideration of both our members’ and employees’ desires and needs. New procedures and policies were put into place and you, our members, responded positively.

Additionally, Delta Community’s strong financial position enabled us to maintain consistent value and demonstrate flexibility. For members who suffered financial hardships because of illness or a work layoff due to COVID-19, we offered assistance programs, including fee waivers, payment deferrals, restructured loan terms and short-term, interest-free personal loans. Our Commercial Lending team supported many business members with Paycheck Protection Program (PPP) loans made available through the Small Business Administration.

As I have led our team’s response efforts during this unprecedented year, I have been extremely proud of our employees’ dedication. They have more than met the operational challenges of either working in a socially distanced branch or from home by finding consistent purpose and reward in helping you, our valued members.

I hope that you and your family have been able to stay safe and healthy throughout this year and that you are able to have an enjoyable holiday season. As we close out 2020, I am looking forward with hope and optimism to a better 2021 for everyone, and please know Delta Community is always here for you.


Hank Signature

Hank Halter
Chief Executive Officer

Cumming Branch Now Open

HBCU Scholarship

Our newest branch is officially open at 445 Peachtree Parkway! The Cumming Branch is Delta Community’s 29th location nationwide and its first in Forsyth County, Georgia. It houses full-service teller operations, three drive-thru lanes and two ATMs, as well as a team of financial professionals to assist Delta Community members with their home, auto and personal loan needs. We look forward to serving our members, and welcoming new ones, with this new location.

Celebrate the Holidays with Great Auto Loan Rates

Holiday Auto Loan

Did you know that December is typically a good time to buy a new car? Car dealers are eager to negotiate as next years’ vehicles arrive on their lots. To help you take advantage, during the month of December, Delta Community will offer well-qualified borrowers with excellent credit loan rates starting as low as 1.98%1 APR for both new and used cars. In addition to low rates, members can take advantage of:

  • Easy online application process via Online Banking or our Mobile App
  • No application fees and quick approval
  • Quick approval
  • Deferring your payments for 60 days2

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.3 To learn more or start the application process,  log in to Online Banking or our Mobile App and select Apply for a Loan, or call our Loan Consulting Group at 844-544-9478.

Make the Season Brighter with a Holiday Loan

Mother and daughter building gingerbread house

You can count on us to provide you with handy solutions when it matters most. The Delta Community Holiday Loan is a responsible financial option to provide you with extra cash, whatever your plans are this season. Now through December 31, apply for a 12-month Holiday Loan for as low as 6% APR4 for well-qualified borrowers with excellent credit. The application is easy and the funds can go directly to your Checking Account. A Holiday Loan is great for helping to pay travel expenses, gift giving, hosting family, or even home or car repairs.

To apply, log in to Online Banking and select Apply for a Loan under the Loans tab, or choose More in our Mobile App. You can also call our Loan Consultants at 844-544-9478.

Give Back Giveaway Winners Announced

Give Back Giveaway Winners

Last month, Delta Community teamed up with Jenn Hobby from Star 94.1 for the fourth annual $10,000 Give Back Giveaway. We asked metro Atlanta youth to organize service projects that brought light and joy to their school’s community during this difficult time. We recognized the top five schools, with three finalists receiving $1,000 each, one 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 Lambert High School in Suwanee! They created the Youth Give Back and Learning Pals Program, made up of seven high schoolers who taught virtual classes to over 180 elementary and middle schools students who were home during COVID-19. These classes were free and included creative writing, physical education, critical thinking, games and reading. Star 94.1 and Delta Community surprised the students with the news during a virtual presentation.

The $2,000 prize was awarded Lovejoy High School for their project establishing a “Caring Closet” full of clothing and personal hygiene items for those in need. They also partnered with nearby groups and businesses to offer fresh groceries every weekend.

The three $1,000 finalists are:

  • Rocky Mount Elementary, who created a different project for each grade level. The students thanked their families, first responders, custodians, school bus drivers and the Cobb County Technology Team with songs, cards, posters and treats. They also became pen pals with residents at a senior care facility.
  • The Student Leadership Team at Liberty Elementary School, who created a food pantry for families in need and organized four different food drives, where thousands of lunches were given out each week.
  • Rome High School, who filmed and produced a touching video to send to nursing homes and healthcare workers. They also made pieces of art to send to the nursing home to brighten the day of the residents.

Delta Community Sweepstakes Offers

Man holiday shopping

To make the holidays a little merrier, we’re offering two fun sweepstakes to give our members a chance to get rewarded.

Give back to a good cause and be entered for a chance to win $5,000 with our Celebrate the Season Sweeopstakes!5 Each time you make a qualified transaction with Delta Community Bill Pay or send a payment with Zelle® through December 31, you’ll be automatically entered for a chance to win $5,000 Additionally, $1 will be donated to the non-profit support organization Good 360 for each qualified transaction. Qualifying transactions include adding and paying a new biller, activating a new eBill6, setting up an automatic payment7 and sending $5 or more to a new person using Zelle.8

Help teach your kids the importance of saving through the holidays and set them on the path to a solid financial future with the 2020 Delta Community Youth Savings Sweepstakes!9 Make $50 in deposits into your child’s Youth Savings Account through December 31, and your little one will be entered for a chance to win a $100 cash bonus to be deposited into their Delta Community Youth Savings Account. Ten winners will be chosen at random to receive the cash bonus, and winners will be announced in January.  

Casting Call: New TV Spots

Casting call

Are you a “super fan” of Delta Community? We’re looking for a variety of enthusiastic members to share their stories about why they love being a Delta Community member for some new TV spots that we’ll be filming in the next several weeks. If you’re interested in submitting yourself, email the marketing department at Please include your contact information, a photo of yourself if available, and a brief summary of why you think you should be selected. If you’re chosen, someone will contact you within a week or so of your submission to us. We look forward to hearing from you!

Financial Education Center Seminars

Delta Community’s comprehensive Financial Education Center is designed to improve the financial lives of our members and community by offering resources on a variety of topics from budgeting to protecting your identity. Every month we offer members several free workshops. Upcoming online workshops include:

  • December 3: Car Buying Confidence | Live Webinar
  • December 8: Basics of Personal Finance by BALANCE | Live Webinar
  • December 8: How to Manage Your Debt | Live Webinar
  • December 17: Basics of Personal Finance by BALANCE | Live Webinar

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

Monthly Blog

  • You Need a Stronger Password…and Maybe a Manager for It: As technology has evolved away from paper-based documents to digital, online information, much of what we do in our lives depends upon secure communications safeguarded by passwords. But what happens if our passwords aren't safely guarding us?

Financial Status

As of October 31, 2020:
Assets: $7.5B | Deposits: $6.6B
Loans: $4.9B | Members: 428,688

Holiday Closings

Christmas Eve—Closing at 2:00 pm
Thursday, December 24
Christmas Day
Friday, December 25
New Years Day
Friday, January 1
2020 Holiday Closings


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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 only. Income verification may be required. APR available December 1 – December 31, 2020. 
2. Restrictions apply. Member can defer first payment up to 60 days. Finance charges continue to accrue as of the loan date. Member is responsible for all payments.
3. 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, 2020.
4. APR of 6.00% for well-qualified borrowers with estimated monthly payment of $103.44 for a $1200 loan amount.
5. The 2020 Celebrate the Season 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 11/01/20 and ends at 11:59:59 p.m. ET on 12/31/20. Open to legal residents of the 50 United States and D.C., including territories of Guam and Saipan, who are 18 years of age and older and are Delta Community Credit Union members. Void where prohibited. For complete Official Rules including details on how to enter by mail, click here. Sponsor: Fiserv Solutions, LLC, 255 Fiserv Drive, Brookfield, WI 53045.
6. eBill 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.
7. AutoPay 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.
8. Must have a bank account in the U.S. to use Zelle. Zelle 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.
9. Make a combined deposit of $50 or more into a Delta Community Youth Savings account from November 1 – December 31, 2020 (“Sweepstakes Period”) and you'll be automatically entered to win one (1) of ten (10) $100.00 deposits to your savings account as part of our 2020 Delta Community Youth 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 Delta Community Credit Union members or residents of the counties in Delta Community Credit Union’s field of membership who are 0-12 years of age. Mail-in entries must be submitted on a 3x5 card to qualify for entry.