Delta Community Insights

July 2023

Message from Pam Davis, SVP Branch Delivery and Operations

Delta Community SVP Pam Davis

Dear Valued Member,

As we enter the second half of 2023, I want to reiterate our commitment to you, our member, and update you on our efforts to better meet your evolving financial needs.

Member Satisfaction is one of the key metrics we use to determine our overall corporate performance, and it is based on the findings of monthly and annual surveys of members like you. The annual survey is conducted by the Raddon Financial Group and seeks feedback from 30,000 of our members. I am pleased to say that, for the fifth consecutive year, our member satisfaction score has been ranked highest in the nation among participating credit unions. We know we have to earn those scores every day, and we will continue to work hard for you.

During the first six months of the year, we have made significant progress towards providing greater value for our members through several key initiatives:

  • In June, we relocated our Midtown Branch to a larger, more convenient space in a shopping center at 1745 Peachtree Street NE, Suite B. The new Buckhead-Midtown Branch houses a full member service team delivering personalized, reliable support, and features two of our growing number of new, innovative Live Teller machines—one at the front of the building for walk-up, pedestrian traffic and one in the rear parking lot with drive-up access. Read more about the new location in the story below.
  • We continue to add Live Teller machines in both branch vestibules and drive-thru lanes at many of our locations to better serve our members. Live Teller provides interactive video chat so members can both see and talk with a teller directly, even outside of normal branch hours or during peak hours when lines might be longer. With Live Teller, you can cash checks, perform deposits and withdrawals and make payments and transfers, just like you would with a teller in a branch. This new technology will not replace our valued employees but instead supplement their efforts to provide superior member service.
  • While many members enjoy the convenience of Online Banking and our Mobile App, we understand the importance of having a conveniently located branch to visit when the need arises. Delta Community strives to open one new branch in the metro Atlanta area annually. We are actively evaluating potential sites in Paulding, Rockdale and Spalding counties along with infill opportunities elsewhere.
  • I’m excited to announce that, in addition to our existing free Checking Account, we will be expanding our checking suite with two new products to better meet members’ differing needs. Our new Interest Checking Account is designed for members who typically carry higher balances and will offer the ability to earn interest to help that money grow. Our new SpendSafe Checking™ Account will have no overdraft fees for insufficient funds offering peace of mind to confidently manage your finances. This account is perfect for teens or those with balances that may fluctuate or run low. We look forward to sharing more details of these new accounts in the coming months.

Thank you for allowing Delta Community to assist with your financial needs. Our goal is to provide our members with “Full Service, Full Satisfaction” throughout their lives.

Best wishes,

Pam Davis

Senior Vice President

Branch Delivery and Operations

2024 Philanthropic Fund Now Open

Delta Community Philanthropic Fund Recipients

The application period for the 2024 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 16-county metro Atlanta region and in our out-of-state branch communities. Throughout 2024, the program will distribute a total of $150,000 to 20 non-profit organizations committed to the health and well-being of young people, financial literacy and educational programs focused on science, technology, engineering, arts and mathematics (STEM/STEAM).

Interested organizations can review the 2024 Philanthropic Fund grant guidelines and submit an application on our website by August 31, 2023.

Get A High-Rate CD While They're Hot

Delta Community CD Rates

Our CD rates are still high and hot for the summer! Now is the perfect time to open a CD at Delta Community and lock in your savings. 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 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 about our CDs or other savings products, call us at 800-544-3328.

Make sure to check our website for the most up-to-date rates.* Rates shown as of June 30, 2023.

Hank Halter Appointed Chairman of LSCU Board of Directors

Delta Community CEO Hank Halter

Delta Community Chief Executive Officer, Hank Halter, has been appointed as the new chairman of the League of Southeastern Credit Unions & Affiliates (LSCU) Board of Directors. LSCU is a regional trade association that supports the ongoing growth and success of more than 300 credit unions in Georgia, Alabama and Florida through professional support and legislative advocacy. “I am honored to serve in this role and believe deeply in the work that LSCU does,” Hank said. “All credit unions operate on a not-for-profit, cooperative basis with a singular mission of delivering exceptional service and value to their members. LSCU helps to create a market environment where credit unions of all asset sizes can compete and succeed by fostering strategic collaboration and raising awareness of the difference that we make for our members and in our local communities. I look forward to partnering with LSCU’s staff and other volunteer directors more closely over the next 12 months. I know that we will continue to produce excellent results together.”

Buckhead-Midtown Branch Now Open

Delta Community Buckhead Midtown Branch

Our Midtown Branch has moved to a new location! Now known as the Buckhead-Midtown Branch, the new branch is located at 1745 Peachtree St. NE, Suite B, just two miles from our previous location. This new and spacious branch offers even more convenience for our members or live, work or frequent the area. In our new Buckhead-Midtown space, members can enjoy  a full suite of banking services, as well as a drive-up ATM and Live Teller. Next time you’re in the area, stop by and say hello to our team. We look forward to serving you and welcoming new members in our new location.

$10,000 Awarded to Two HBCU Students

Delta Community HBCU Scholarship Recipients

In May, Delta Community and Atlanta radio station V-103 presented our first HBCU Scholarships of 2023, awarding $5,000 each to Isaiah Cox and Sydney Redmond.

Isaiah Cox is a rising junior studying pharmacy at Florida A&M University (FAMU). He is already licensed in the state of Georgia as a pharmacy technician, and his significant academic achievements include membership in the Alpha Lambda Delta and Phi Sigma Theta National Honor Societies. Since his freshman year at FAMU he has maintained a 3.5 grade point average. To supplement his academic studies with additional experience, in 2022, Isaiah completed the program at the Bluford Healthcare Leadership Institute, and he will be interning at Northwest Medical Center Houghton in Tucson, Arizona, during the summer of 2023. His many extracurricular activities include holding leadership positions both with Progressive Black Men, Inc., a community service organization, and with the FAMU chapter of the National Association for the Advancement of Colored People. Over the last year he also completed more than 300 hours of community service as a chemistry and math tutor, elementary school mentor, and community service worker with a local homeless shelter. Isaiah is from Stone Mountain, Georgia.

Sydney Redmond will be a 2023 freshman at the Honors College at North Carolina A&T where she will major in health sciences. Her career ambition is to become a dentist providing dental services to underserved communities. This year she was a Healthcare Pathway student ranked in the top 10% of her graduating class at Heritage High School with a 3.93 GPA. Her academic honors and activities include membership in the National Honor Society and Family, Career and Community Leaders of America; she was also a writer and reporter for her high school’s yearbook. In addition to her school involvement, Sydney has worked at a Publix® supermarket for two years. Her extracurricular activities include serving on the Make-A-Wish® GA Youth Leadership Council, where she helps plan and lead fundraising activities to raise money for granting wishes to critically ill children. Since middle school, Sydney has logged between 50 and 75 community service hours volunteering for Med Share, participating in park cleanups, supporting the State of Georgia’s Adopt-A-Highway program, contributing to letter-writing campaigns for nursing home residents, and helping build Habitat for Humanity® homes. Sydney is also a member of INROADS®, which has programs to advance diverse youth in corporate America.

Throughout 2023, Delta Community will award a total of $20,000 in scholarships to students attending Historically Black Colleges and Universities. The HBCU Scholarship is part of our annual Scholarship Program. Visit our website to learn more about all of the scholarships we offer.

Philanthropic Fund Grants Awarded in June

Delta Community Philanthropic Fund Recipients

We recently presented four more grants, totaling $35,000, from our 2023 Philanthropic Fund to the following organizations:

Great Prospects, Inc., pictured, has a mission to provide meaningful connections for individuals with disabilities through continued educational enrichment, social interaction and challenging recreational programs.

Midwest Food Bank Georgia has a mission to alleviate hunger and malnutrition throughout the metro Atlanta area. They address the dual crisis of hunger and food waste by utilizing volunteers to rescue food while partnering with 168 nonprofits to provide for the hungry.

Youth Empowerment Success Services aims to reduce youth homelessness among young adults in the metro Atlanta area by providing them with affordable and stable housing, practical life skills, and an identifiable support system to propel them toward their future goals.

Food Well Alliance  is a collaborative network of local leaders working together to build thriving community gardens and urban farms across metro Atlanta. Their mission is to provide resources and support to local growers to connect and build healthier communities.

The Delta Community Philanthropic Fund will invest a total of $150,000 throughout 2023 to 20 metro Atlanta nonprofit organizations that support the physical and financial needs of people who live within the communities we serve.

Activate Your Bonus Rewards

Man Shoe Shopping

Each quarter, we offer an opportunity for members who have our Visa® Platinum Rewards Credit Card to earn Bonus Reward Points for purchases in select categories from restaurants to retail.

If you’re a Platinum Rewards Credit Card holder, 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 to earn 3x Reward Points for eligible purchases at Family Clothing, Shoe, Sporting Goods and School Supply Stores, 2x Reward Points for eligible purchases at Gas Stations and Grocery Stores, and 1x Reward Points for every $1 spent on eligible purchases in categories outside the bonus categories.

To activate, log in to your account and select Reward Points under the Additional Services tab or More in our Mobile App. Click the link to enroll for the current quarter or an upcoming quarter. When you’re ready to redeem your points, you can choose from a wide variety of Cash Back, Gift Cards, Merchandise and Travel with no blackout dates.

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 July workshop series on Investing will cover the importance of investing for the future and the benefits of different types of investment accounts. We’ll also cover the building blocks that form basic investment principles, real-world financial situations and the importance of a personalized investment roadmap. These presentations are stand-alone portions of a three-part series. 

  • July 11: Drive Away Happy: Car Buying Decisions | Live Webinar by BALANCE
  • July 12: 101: Introduction to Investing | Live Webinar
  • July 20: 201: Investing Principles | Live Webinar
  • July 20: Drive Away Happy: Car Buying Decisions | Live Webinar by BALANCE
  • July 25: 301: Investing Case Studies | Live Webinar

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

Monthly Blogs

  • Safely Clear Your Old Mobile Phone’s Data Before Getting a New Phone: It could be unsafe to have an old mobile phone with your personal details end up in the hands of a stranger, even if it’s someone who has no interest in getting into someone else’s data. If a hacker got access to your phone, then your money, credit standing, accounts and reputation could face serious—and maybe permanent—loss and damage. The only person who should have control over a mobile phone’s contents is its owner. If it’s time to move to a new phone, then it’s time to both secure and delete what’s on your old phone before the new phone is activated.
  • Smart Money Tips for Anyone Age 50 or Older – Part 2: There is a broad range of potential lifestyle and financial decisions to make and actions to take by age 50+, and this blog contains some of Delta Community’s continuing suggestions for anyone in that age group. 

Financial Status

As of May 31, 2023

  • Assets: $9.0B
  • Deposits: $7.6B
  • Loans: $5.8B
  • Members: 488,641

Holiday Closing

Independence Day

Tuesday, July 4

Contact Us

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


*APY=Annual Percentage Yield. Rates are subject to change. The Annual Percentage Yield for a Delta Community Certificate of Deposit is 4.75% for a 1-YR term, 5.00% for a 2-YR term and 4.35% for a 3-YR term. Rates effective beginning May 1, 2023. Minimum opening deposit and balance of $1,000.00 are required. Penalty may be imposed for early withdrawal.