November 2020 Insights

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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% APR1 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 travel expenses, gift giving, hosting family, a timely home repair—whatever you need!

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.

HBCU Scholarship Application Period Opening This Month

HBCU Scholarship

Throughout 2020, Delta Community is awarding $10,000 in scholarships to four students of Historically Black Colleges and Universities (HBCUs). Beginning November 9, we will be accepting nominations for our fourth 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 one, tell us why they deserve to receive a $2,500 scholarship.

The HBCU Scholarship is part of our annual Scholarship Program. Visit our website to learn more about all of the scholarships that we offer.

Celebrate the Season Sweepstakes

Man holiday shopping

Something wonderful will happen when you use Delta Community Bill Pay or Zelle® this season! Each time you make a qualified transaction with Bill Pay or send a payment with Zelle through December 31, you’ll be automatically entered for a chance to win $5,000 in the Celebrate the Season Sweepstakes.2 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 eBill3
  • Setting up an automatic payment4
  • Sending $5 or more to a new person using Zelle5

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

Youth Savings Account Sweepstakes

Youth Savings Sweepstakes

This holiday season, your little ones have a chance to earn extra money with the 2020 Delta Community Youth Savings Sweepstakes!6 Here’s how to enter:

  • Make $50 in deposits into your Youth Savings Account between November 1 and December 31, 2020.
  • You will be entered for a chance to win a $100 cash bonus to be deposited into your Delta Community Youth Savings Account.
  • 10 winners will be chosen at random to receive the cash bonus, and winners will be announced in January.

Help teach your kids the importance of saving through the holidays and set them on the path to a solid financial future.

More Ways to Get Rewarded

Woman shopping in bookstore

Use your Delta Community Visa® Card for all of your holiday purchases, big and small! With the Delta Community Reward Points Program, you’ll earn 1 point for every $1 spent on Credit Card purchases and 1 point for every $3 spent on Debit Card purchases for non-PIN transactions. Reward Points can be redeemed for Cash Back, Gift Cards, Travel with no blackout dates, Merchandise and more. If you have a Delta Community Visa Credit Card, enroll in our Bonus Reward Points Program to earn 2x and 3x Reward Points on select categories each quarter.

Explore our exciting selection of rewards, check your point bank balance and view special offers on our rewards redemption site. You can also access your Reward Points account and redeem your Reward Points by logging in to Online Banking and selecting Reward Points under the Additional Services tab or More in our Mobile App.

Cumming Branch Update

Cumming Branch

The construction of our newest branch is nearly done! Delta Community recently announced that we’ve selected Cumming as the home of our next branch location in metro Atlanta and the first in Forsyth County. This new location will house full-service teller operations, three drive-thru lanes and two ATMs, as well as a complete 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 convenient location in Forsyth County.

Delta Community Named Among Best Places to Work

Best Places to Work

For the sixth consecutive year, Delta Community Credit Union has been honored in the Atlanta Business Chronicle’s Best Places to Work in Atlanta Awards. We are listed among the top five companies with more than 500 employees. We are proud of this recognition and want to thank all of our employees for their hard work and passion, and for providing superior service to our members every day.

If you’d like to build your career at a Best Place to Work, it’s easy to apply for a position at the Credit Union with our mobile-friendly Careers site! You can apply directly through your mobile phone or tablet in just minutes. We are regularly hiring for a variety of positions, including opportunities in our Member Care Center located in Vinings, as well as in our branch locations around metro Atlanta. Learn more about our current openings and apply today.

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:

  • November 5: First Time Home Buying | Live Webinar
  • November 10: Building a Better Budget by BALANCE | Live Webinar
  • November 10: Ways to Reduce Expenses | Live Webinar
  • November 12: Digital Money Management | Live Webinar
  • November 17: Serious About Saving | Live Webinar
  • November 19: Building a Better Budget by BALANCE | Live Webinar

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

Monthly Blog

  • Credit vs. Debit Cards for College Students, and Are College Deals Good Deals? How we manage money can be influenced by the tools used to manage it, and two of the fundamental financial tools millions of people use are debit and credit cards. Debit and credit cards have some similarities and some very big differences in their features and how they may be used. For college students, these cards may be their primary purchasing tool, and they are a responsibility to be handled maturely and thoughtfully. Before a student decides what type of card they’ll depend on, they need to consider the features of both. Here is a brief guide to how these cards function that highlights how they are alike and unique that may be of interest to students of higher education.

Financial Status

As of September 30, 2020:
Assets: $7.5B | Deposits: $6.6B
Loans: $4.9B | Members: 427,281

Holiday Closings

Veterans Day
Wednesday, November 11
2020 Holiday Closings


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Contact Us

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


1. APR of 6.00% for well-qualified borrowers with estimated monthly payment of $103.44 for a $1,200 loan amount.
2. 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, 225 Fiserv Drive, Brookfield, WI 53045.
3. 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.
4. 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.
5. 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.
6. 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