July 2020 Insights

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A Message from Our COO—An Update on COVID-19 Operations

Delta Community COO Matthew Shepherd

Dear Members,

As a not-for-profit, member-owned financial institution, our employees work for you. We feel privileged to have the opportunity to serve you and are committed to being available and ready to help when needed, especially today when so many in our community are contending with challenges caused by the current public health crisis.

From an operational standpoint, Delta Community is focused on two priorities: 1) protecting the safety and health of our members and employees; and 2) sustaining the performance of our branches and 24/7 call center. To this end, we will constantly adjust and consider alternatives as circumstances with the corodivirus continue to change. We want to share the rationale for some of the actions you have seen us take recently to address any concern or inconvenience they may cause.

Local Branch Considerations. In addition to the new safety precautions and cleaning procedures we have introduced in our branches, we are screening employees daily for their potential exposure to the corodivirus. If we learn an employee has been exposed and tests positive, we are asking the entire branch team to quarantine for 14 days given the team members’ relative proximity to one another over the full workday and based on guidance from the Centers for Disease Control. We then call upon a group of Ready Reserve staff we have assembled to operate the location on an appointment-only format until the permanent team is able to return safely to work.

Appointment only on Saturdays. We are refraining from intermingling branch staff for the time being to mitigate the risk of a single individual impacting multiple teams. In a normal environment, we allow employees who work at locations that do not have Saturday hours to help at our community branches that operate on Saturday mornings. Without this support, we currently can only accommodate members in our lobbies on Saturdays by appointment. We are in the process of hiring additional staff and expect to resume walk-in transactions on Saturdays later this summer.

Status of Kroger branches. We closed our three Kroger branches temporarily since the space in those locations do not permit us to implement the same safety precautions we have instituted elsewhere to achieve proper social distancing. We intend to reopen these branches as soon as practicable and will continue to maintain the ATMs there in the interim.

We encourage you to take advantage of our online and mobile banking applications and drive-thru lanes as much as possible. Of course, we will gladly welcome you if you require in-person support. You may wish to schedule an appointment at your preferred location in advance or check the status of that branch beforehand if you plan to drop by without one as your schedule permits. You can find up-to-date details on each branch under the ‘Locations & ATMs’ link on the homepage of our website.

Again, we are grateful for the confidence you place in us and always remain at your service.


Matthew Shepherd
Chief Operating Officer

New Full-Service Branch to Open in Douglasville 

New Douglasville Branch location

We’re excited to announce that we recently named Douglasville as the home of our 28th branch location in metro Atlanta and 31st branch nationwide. The full-service branch will open in early 2021 and will be located at 2900 Chapel Hill Road, in the Douglasville Pavilion near Arbor Place Mall. The new branch will offer a full suite of banking services with a staff of loan officers, tellers and member service agents. We look forward to serving our members, and welcoming new ones, with this new, convenient location. Follow us on Facebook for updates regarding the progress and opening of the Douglasville Branch. 

Relocated Decatur Branch Now Open

Decatur Branch

Visit our newly relocated Decatur Branch, now open for business at 160 Clairemont Avenue. The branch features three drive-thru service lanes, a drive-up ATM and a walk-up ATM. “This location is within walking distance of our previous branch, so we know it is convenient for our members,” says Branch Manager Eddie Montgomery. “The larger space also offers room for drive-thru service lanes and dedicated parking spots in a covered deck, and we are looking forward to continued growth and success in this beautiful new facility.”

Get a Low-Rate Car Loan with No Payment for 60 Days

Family sitting in car

Delta Community is offering members low rates on new and used Car Loans from July 1 through August 31. Well-qualified borrowers with excellent credit can get rates as low as 1.98% APR.1

In addition to great, low rates, you can take advantage of:

  • Applying from the comfort of your own home with our easy online application process
  • Deferring your payments for up to 60 days2
  • No pre-payment penalties

As an added bonus, members who finance their Car Loans with us and purchase their car through Carvana will receive an extra .25%3 off their already low rates. Carvana offers a convenient, touchless, online car-buying experience with more than 15,000 vehicles to choose from. Every vehicle comes with Carvana’s 7-Day Return Policy and you can also get a real offer for your trade in, in minutes.

2021 Philanthropic Fund Application Period is Open

Volunteer working with child

The application period for the 2021 Philanthropic Fund grant awards is now open! This annual grant-making program provides financial support to registered 501(c)(3) non-profit organizations in our 14-county metro Atlanta region and in our out-of-state branches. Throughout 2021, the program will distribute a total of $125,000 to 20 non-profit organizations committed to financial literacy, educational programs focused on science, technology, engineering, arts and mathematics (STEM/STEAM) and youth development. 
Interested organizations can review the 2021 Philanthropic Fund grant guidelines and submit an application on our website by August 31, 2020.

Philanthropic Fund Grants Awarded in June

Philanthropic Fund Recipients

We recently awarded two more grants from our 2020 Philanthropic Fund, totaling $10,000, to the organizations listed below:

  • The Sheltering Arms, pictured above, received an award of $2,500 to go towards their award-winning early education program for low-income children and families in metro Atlanta.
  • City of Refuge, Inc. accepted an award of $7,500 to help continue their mission of providing a pathway out of poverty for homeless women and children in Atlanta’s westside.

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.

Help Your Kids Learn About Money with Cool Cash Camps

Two children playing with tablet

We’re excited to offer virtual sessions of our Cool Cash Money Camps this year. These interactive youth camps are designed specifically for Delta Community Credit Union members to teach children all about money, including the value of earning and saving money, credit basics and the importance of spending it wisely. Each camp is a learning experience with age-specific lessons. Morning and afternoon sessions are available via webinar from July 14 to July 23. Seats are limited, so reserve your child’s space today!

Activate Your Bonus Reward Points

Woman grocery shopping

Each quarter, we offer an opportunity to earn bonus points for Credit Card purchases on select categories from gas and groceries to restaurants and 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 July through September in Delta Community’s Reward Points Program so you can earn:

  • 3x Reward Points for eligible purchases at Discount Stores, Book Stores, Record Shops and on Digital Goods
  • 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 Online Banking and select Reward Points under the Additional Services tab. Click on the link to Enroll for the current quarter or an upcoming quarter. When you’re ready to redeem your points for rewards, you can choose from a wide variety of Gift Cards, Cash Back, Merchandise and Travel with no blackout dates.

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.

  • July 14 – 23: Cool Cash Camps | Live Webinars
  • July 14: The Psychology of Spending by BALANCE | Live Webinar
  • July 23: The Psychology of Spending by BALANCE | Live Webinar

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

Monthly Blog

  • Making Tough Financial Choices in a Tough Economy: For those unemployed, financial hardship is a reality they are facing now or will soon face as their income has stopped or gotten smaller. Even the government’s Economic Impact Payments may provide only limited fiscal relief for Americans whose personal debt may be increasing while their funds are decreasing. With less money, it’s essential to be very careful with spending it, and to think about what you could do now to trim expenses.

Financial Status

As of May 31, 2020:
Assets: $6.9B | Deposits: $6B
Loans: $4.9B | Members: 417,370

Holiday Closings

Independence Day
Saturday, July 4
2020 Holiday Closings


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Contact Us

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


1. Must apply on or after July 1. Rates expressed as Annual Percentage Rate (APR). Rates are based on creditworthiness and term of loan. APR available July 1 – August 31, 2020. Income verification may be required.
2. Restrictions apply. Offer valid through August 31, 2020. 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.