Delta Community Insights

December 2023

CD Rates are on the Rise Again

Celebrate the holidays with great rates on CDs! Now is the perfect time to open a CD at Delta Community and lock in your savings. Earn 4.00% APY on a 6-month CD or 5.15% APY1 on a 12-month CD! Opening a new CD is one of the safest ways to invest in the future, and it’s easy. It’s also the perfect savings option for a loved one with big plans to come. Plus, when you choose Delta Community, you get more than attractive rates, we provide exceptional service and the attention you deserve.

To get started, log in to Online Banking or our Mobile App, choose Add an Account from the menu, then select Certificate of Deposit (CD). You can also stop by any Delta Community branch, or if you have questions call us at 800-544-3328. Make sure to check our website for the most up-to-date rates.

Refer Your Friends for a Double Bonus

two friends laughing with Santa hats

Refer your friends, family and eligible coworkers to Delta Community and receive a limited-time double bonus—$100 for each qualified referral through December 29.2 Celebrate with those who are most important in your life and give them the gift of credit union membership—plus, they can get a limited-time bonus of $100 when they join.2 

Here’s how to cash in on your double bonus:

  • Get your personal referral link at
  • Send your unique referral link to eligible friends via text, email or social media
  • Get $100 for each friend who opens a Checking Account and meets a few simple requirements

Visit to share all that’s good about Delta Community and earn extra cash for the holidays today!

Give Back Giveaway Winners Announced

Delta Community Give Back Giveaway

Last month, Delta Community teamed up with Jenn Hobby from Atlanta radio station Star 94 for the seventh annual $15,000 Give Back Giveaway. We invited metro Atlanta students to organize a service project with their classmates to bring hope, joy and positive change to their communities. 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 $10,000 is Bowdon Elementary School. These amazing students made plans to create a garden to help feed their community. Each grade participated by selecting seeds, planting them and taking care of the garden. Their garden produced over 70 pounds of crops this summer alone, and the food was shared with the community through the school’s “Little Free Pantry.” Watch Star 94 and Delta Community present the students with their check at a surprise reveal at their school!

The $2,000 prize was awarded to Freedom Elementary School. These students created Thanksgiving Baskets, which provides everything a family needs for a Thanksgiving meal, including food items and trimmings, in a reusable laundry basket. The project was set up to deliver great holiday meals with some extra “trimmings” to brighten the day of families in need during Thanksgiving.

The three $1,000 finalists are:

  • Lovinggood Middle School, where students raised money to create a sensory room for disabled classmates.
  • Campbell High School, where students fundraised for the Water Project and helped build multiple wells for clean, safe water for people in Africa.
  • Newcomer Academy, whose students created “Newcomer Boutique,” a student-run clothing closet for people in need.

Congratulations to all these amazing students who worked hard to bring positive change to their communities!

Plan Ahead for Holiday Happiness

woman and dog on couch

You can count on us to offer helpful solutions when they matter 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 8.50% APRfor 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 travel expenses, gift giving, hosting family or whatever you need! To apply, log in to Online Banking  or our Mobile App 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.

Season of Giving and Receiving Sweepstakes

woman at laptop

Something wonderful will happen when you use Delta Community’s Zelle® or Bill Pay services this season! Each time you send a payment with Zelle® or make a qualified Bill Pay transaction through December 31, you’ll be automatically entered for a chance to win $5,000 in the Season of Giving and Receiving Sweepstakes.4 Additionally, $1 will be donated to the non-profit support organization Good 360 for each qualified transaction which includes:

  • Adding and paying a new biller
  • Activating a new eBill
  • Sending $5 or more to a new contact using Zelle®

Don’t miss your chance to win $5,000 and give back to a good cause. Use Bill Pay and Zelle® today!

Take a Payment Holiday

two women holiday shopping

Did you know that you may be eligible for a Payment Holiday? Keep some extra cash in your pocket and skip your eligible loan payments, just in time for the holidays.5

Keep in mind before requesting your Payment Holiday, loans must be open for a minimum of six months to be eligible. Real Estate Loans, Business Loans, Overdraft Protection, Holiday Loans, Consumer Lines of Credit, Visa® Young Adult and Secured Credit Cards and single-pay loans are not eligible for this offer.

A Payment Holiday may be requested up to the payment date6 via Online Banking—all loans that are eligible for a Payment Holiday will be displayed. Interest will continue to accrue, your normal payment will resume the following month 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.

Get Rewarded this Holiday Season

woman holiday shopping

The holidays just got even more rewarding! Hosting dinner or buying gifts can really pay off when you use your Delta Community Visa® Credit Cards for all your holiday spending. Earn 1 point for every $1 spent on Visa Platinum Rewards purchases, and 1.5 points for every $1 spent on Visa Signature purchases at your favorite retailers. Visa Platinum purchases also earn even more with Bonus Reward Points! Earn:

  • 3x Reward Points at Wholesale Clubs, Discount, Specialty Retail and Department Stores
  • 2x Reward Points on Gas and Groceries
  • 1x Reward Points for every $1 spent on eligible purchases in categories outside the bonus categories

Points can be redeemed for cash back to your account, gift cards, discounts on airfare, donations to charitable organizations and more! To view your reward options and redeem points quickly, log in to Online Banking and select Reward Points under the Additional Services tab or under More in our Mobile App.

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.

Our December series will discuss Financial Empowerment. Many people face the decision of whether to save or pay down debt, but sometimes a balanced approach can work best. Join us as we discuss tips to help you reach savings goals and strategies for paying off debt. Our financial counseling service BALANCE will also share how to protect yourself form identity theft. 

  • December 5: Identity theft Solutions | Live Webinar by BALANCE
  • December 7: Serious About Saving | Live Webinar
  • December 12: How to Manage Debt | Live Webinar
  • December 14: Identity Theft Solutions | Live Webinar by BALANCE

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

Monthly Blogs

  • 5 Questions for a Charity Before You Donate: For your money to have the greatest impact, it’s important to know that the non-profit you’re considering has a documented history of managing its finances effectively and accomplishing its mission. It’s a good idea to invest in a little research before investing in a charitable organization, especially if you don’t actually know that much about what the non-profit does or how and where it operates.
  • Are You Missing Money in Your Account? Maybe Your Checks Were Stolen and Washed: Disappearing but cashed checks could mean you’re the victim of a veteran, but evergreen, type of fraud known as “check washing”. Check washing is when fraudsters first steal paper checks from personal (or even U.S. Postal Service office) mailboxes and then soak them in ink-removing chemicals to erase the information handwritten on the check, such as the payee name, dollar amount and date, creating blank spaces for the scammer to write in whatever new information they want.

Financial Status

As of October 31, 2023

  • Assets: $8.6B
  • Deposits: $7.4B
  • Loans: $5.6B
  • Members: 495,556

Holiday Closing

Christmas Day, Closed

Monday, December 25

Contact Us

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


1. Annual Percentage Yield

2. You can earn up to $500 per calendar year. Referrer must be Primary Account Holder with Delta Community. Bonuses earned through this promotion are subject to IRS reporting. Refer-A-Friend bonus cannot be combined with other promotions and is not valid for previous offers or orders. The person you refer must be at least 16 years old to participate in the program. Bonus payments are made within 60 days of program requirements being met. $100 referral bonus offer valid for accounts referred and opened November 1 – December 29, 2023.

3. APR of 8.50% for well-qualified borrowers with estimated monthly payment of $130.83.

4. Season of Giving and 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 November 1, 2023 and ends at 11:59:59 p.m. ET on December 31, 2023. Open to legal residents of the 50 United States and D.C. including the territories of Guam and Saipan who are 18 years of age and older and are registered accountholders at a participating Financial Institution. To enter by mail, hand-print on a 3½” × 5” postcard: “Season of Giving and Receiving Sweepstakes” full name, full mailing address, day and evening phone numbers, email address (if any) and date of birth and mail to: “Season of Giving and Receiving Sweepstakes” C/O MRI, P.O Box 3849, Oak Park, IL 60303-3849; postmarked by January 2, 2024 and received by January 9, 2024. Void where prohibited. For Official Rules, visit Sponsor: Fiserv Solutions, LLC, 255 Fiserv Drive Brookfield, WI 53045.

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. 

6. Loan payments that are electronically drafted from another financial institution (ACH), a Payment Holiday must be submitted up to two (2) business days prior to the due date of your loan.