February 2020 Insights

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Decatur Branch Relocation

New Decatur Branch location

We’re excited to announce that we’ll be relocating our Decatur Branch to larger, more convenient facilities. The existing branch, which is located at 245 West Ponce de Leon Avenue, will be moved to a larger location in the lobby level of the commercial building at 160 Clairemont Avenue. Completion of the move is expected this spring. This new branch will house a full member service team, including professionals to assist with Home, Auto and Personal Loan needs. The new location also offers additional parking, three convenient drive-through lanes and both a walk-up and drive-up ATM. Stay tuned for more details on the Decatur Branch page of our website.

2020 Scholarship Application Period Open

Young man graduating in his cap and gown

Delta Community is now accepting entries for its 14th annual scholarship program. This year, five applicants will be awarded a total of $25,000—five $5,000 awards based on academic achievement, community involvement and submission of an essay. Applicants must be Delta Community members enrolled full-time at an accredited college or university in the United States during the fall semester of the 2020-2021 academic year.

Scholarship applications must be received by February 29 and winners will be announced in early April. Visit our website for full program details.

HBCU Scholarship Application Period Open

HBCU Scholarship recipient

In addition to our Annual Scholarship Program, Delta Community will also award $10,000 in scholarships throughout 2020 to select students of Historically Black Colleges and Universities (HBCUs). We are now accepting nominations for our first 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.

Delta Community will select one winner from among the most compelling submissions. Visit our website for more information about the HBCU Scholarship and nominate someone, or yourself, today!

Zelle® is Here!

Two women looking at mobile phone

The person-to-person money transferring service, Zelle, is now available for Delta Community members! Zelle is a fast, safe and easy way to send and receive money using our Mobile App and Online Banking service. Once registered, you can send money to trusted friends and family at any time, using only the recipient’s email addresses or phone numbers. Zelle is useful for:

  • Splitting a dinner bill
  • Requesting a payment
  • Sending money to other trusted contacts enrolled in the service

To get started, log in to our Mobile App or Online Banking and select Send Money with Zelle under the Transfers tab.

Is a Personal Loan the Right Option for You?

Man and woman at laptop

Do you need a little extra cash after the holidays? A Delta Community Personal Loan is a practical spending solution that offers you the flexibility to do what you want, when you need it. We’re offering great low rates starting as low as 6.5% APR1 for well-qualified borrowers with excellent credit, a variety of repayment options and fixed terms with no annual fees. With a Delta Community Personal Loan, you can:

  • Have extra funds for household expenses
  • Consolidate high-interest rate debt
  • Finance home improvements or auto repairs
  • Cover unexpected expenses

The benefits of a Personal Loan from Delta Community go beyond having extra cash. They include a super-fast approval process and next-day access to your funds—all from a lender you can trust. To apply, 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.

Philanthropic Fund Grants Awarded in January

Philanthropic check presentation

We recently presented the first two grants from our 2020 Philanthropic Fund, totaling $17,500, to the organizations listed below:

  • Communities in Schools of Atlanta received $10,000 to put towards its mission of surrounding students with a community of support and empowering them to stay in school.
  • Atlanta Union Mission Corporation accepted an award of $7,500 for their services to assist women and children experiencing homelessness.

The Delta Community Philanthropic Fund will invest a total of $100,000 throughout 2020 to 18 metro Atlanta non-profit organizations that support the physical and financial needs of people who live within the communities we serve.

End-of-Year Tax Documents Now Available

Man completing tax forms

It’s tax season! Delta Community members enrolled in Online Statements will be able to access their 2019 tax documents in Online Banking and the Mobile App. If your account(s) have earned at least $10.00 in interest during the calendar year, a tax document will be presented under the December 2019 tab in your Online Statements. You can view and download your documents or prints hard copies should you need them.

If you are not currently registered to receive your Delta Community statements online, you can quickly and easily sign-up now and get both your account statements and tax documents today. Simply log in to Online Banking and select Online Statements under the Additional Services tab.

Documents available for downloading in Online Banking include: 1098, 1098E, 1099-A, 1099-C, 1099-INT2, 1099-Q, 1099-R and 1099-SA.

Financial Education Center

Financial Education Center

Delta Community’s award-winning 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 several free on-site workshops that help members and their families develop useful habits to manage their household finances. Since it’s inception, the Financial Education Center has presented over 800 workshops to over 16,000 attendees.

Be sure to check out the Financial Education Center each month for our convenient listing of course details, an event calendar and a user-friendly registration process.

Financial Education Center Seminars

  • February 6: Using Credit Wisely | Delta Community Conference Center or Live Webinar
  • February 11: Drive Away Happy: Car Buying Decisions | Webinar
  • February 19: Teens and Money Night | JA Discovery Center
  • February 20: Drive Away Happy: Car Buying Decisions | Webinar
  • February 25: 10 Steps to Financial Success | Douglas County Chamber

Check our Financial Education Center calendar for more information on upcoming seminars.

Monthly Blog

Add an IRA to Your Tool Box: With each new year comes new opportunities to set goals to improve your habits, health or wealth. While we can’t help you hit the gym more often, we can offer tips for improving your finances. Opening an Individual Retirement Account, or IRA, is a great way to save for the future, and the earlier you get started, the more time your savings has to grow.

Financial Status

As of December 31, 2019:
Assets: $6B | Deposits: $5.2B
Loans: $4.8B | Members: 414,624

Holiday Closings

Presidents' Day
Monday,February 17
2020 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. Estimated monthly payment will be determined at time of loan approval. This offer is based on creditworthiness at the time of offer acceptance. Income verification may be required. This offer is available February 1 – March 31, 2020. Insured by NCUA.

2. A 1099-INT Form will only generate for accounts that have earned at least $10.00 in interest during the calendar year.