October 2020 Insights

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HBCU Scholarship Awarded to Spelman Student

HBCU Scholarship Recipient

In September, Delta Community and Atlanta radio station Majic 107.5/97.5 awarded the third $2,500 HBCU Scholarship of 2020 to La’Niya Owens, a senior at Spelman College.

A first-generation college student, La’Niya has distinguished herself academically by maintaining her position on the college’s Dean’s List with a grade point average above 3.85. She has also been active in student and community affairs, serving as current president of the Georgia Association of Educators at Spelman, volunteering as manager of the non-profit Clean Up Your Act, Inc., and gaining work experience as a student intern for Fulton County, Georgia. La’Niya is deeply committed to educating and mentoring others, especially children. Her initial career goal is to be an elementary school teacher, where her educational efforts will benefit both kids in the classroom and the community.

Throughout 2020, we will award a total of $10,000 in scholarships to students attending Historically Black Colleges and Universities in the state of Georgia. The HBCU Scholarship is part of Delta Community’s annual Scholarship Program. Visit our website to learn more about all of the scholarships that we offer.

Get Out There with a Delta Community Vehicle Loan

Vehicle Loan

The Delta Community Vehicle Loan is your ticket to a new point of view. Whether you’re looking to buy an RV, motorcycle, boat or aircraft, we want to help you create your own adventure. During the month of October, we will offer well-qualified borrowers with excellent credit Vehicle Loan rates starting as low as 3.98% APR.1 If you’re looking for a more traditional way to get around, we also have new Car Loan rates as low as 2.08% APR1 for well-qualified borrowers with excellent credit. In addition to low rates, you can take advantage of:

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

To learn more or 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.

Give Back Giveaway: Last Chance to Enter Your School

Give Back Giveaway

For the fourth year in a row, Delta Community is teaming up with Jenn Hobby from Star 94.1 for the $10,000 Give Back Giveaway! The contest invites metro Atlanta youth to organize a service project with their classmates, and we’re in search of students who are going the extra mile to bring joy to their community during this uncertain time.

The top five schools will be awarded with three finalists receiving $1,000 each, one runner-up receiving $2,000 and one grand prize winner receiving $10,000. Organizations can use the prize money to help with virtual learning or whatever else they may need. Listen to Jenn Hobby on Star 94.1 for all of the details and learn more about last year’s winner here!

Delta Community's Pay and Get Paid $1,000 Sweepstakes

Couple with laptop computer

Making payments could really pay off! Each time you make a qualified transaction with Delta Community’s Bill Pay or send a payment with Zelle® through October 31, you’ll be entered for a chance to win the Delta Community Pay and Get Paid $1,000 Sweepstakes!3 Qualifying transactions include:

  • Adding and paying a new biller
  • Activating a new eBill4
  • Setting up an automatic payment5
  • Using Zelle to pay someone6

Don’t miss your chance to win $1,000. Use Bill Pay and Zelle today!

Activate Your Bonus Reward Points

Woman shopping in bookstore

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 October through September in Delta Community’s Reward Points Program so you can earn:

  • 3x Reward Points for eligible purchases at Book Stores, Record Shops and on Digital Goods
  • 2x Reward Points for eligible purchases at Gas Stations and Grocery Stores
  • 1x Reward Point 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 Cash Back, Gift Cards, Merchandise and Travel with no blackout dates.

National Dog Day Giveaway on Facebook

National Dog Day Giveaway

August 26 was National Dog Day, and to celebrate, we asked our Facebook followers to share photos of their sweet canine companions! Two lucky winners, selected by random draw, each received a box full of dog-themed toys and treats from BarkBox. One of our winners, Razzle, is pictured here (left) enjoying his new toy.

Be sure to follow us on Facebook to enter our next photo submission contest.

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:

  • October 6: Identity Theft Solutions | Live Webinar
  • October 7: Investing 101 | Live Webinar
  • October 13: Retirement Readiness | Live Webinar
  • October 21: Teens & Money | Live Webinar
  • October 22: Retirement Planning: The Basics by BALANCE | Live Webinar

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

Monthly Blog

  • It’s the First of the Month and a Weekend, So Where is My Deposit?: Delta Community is in close contact with our valued members every day, whether in-person, online, or via phone. We get lots of questions from members, and we strive to answer them quickly, thoroughly, and honestly. One question about our operations keeps coming up, and it's interesting enough that we wanted to discuss it a bit in this post. This is a question that we encounter occasionally from members: “When the first of the month is a Saturday or Sunday—or it’s a federal holiday—why don't I get my pension (or other) payment until the following business day?”
  • How to Make Your Mobile and Online Payments Safer: There are a wide range of online and mobile payments services that operate both nationally and internationally. Some services are created by fintech (financial technology) companies, or individual banks, while others are independent service providers that may be supported by networks of banks. While the services differ in the features they offer—some may allow you to easily split a restaurant dinner payment between a group of friends, make purchases, or connect to a debit card (among other options)—they all offer a quick and easy way to move our money around. All mobile payment apps are not created equal, and you should understand the differences between them.
  • October is National Cybersecurity Awareness Month—Are You Cyber Insecure?: It's October, and that means there are two annual occasions to keep in mind—Halloween is at the end of the month, and its National Cybersecurity Awareness Month (NCSAM)! Did you know that there is a National Cybersecurity Awareness Month—is it new to you? Well, it may still be unknown to a lot of people, but for 17 years the federal government and U.S. industry have collaborated on NCSAM; together they create a yearly educational campaign to provide up-to-date, “how to” instructions and facts on cybersecurity to assist all Americans with the resources they need to be safer and more secure online.

Financial Status

As of August 31, 2020:
Assets: $7.4B | Deposits: $6.5B
Loans: $4.9B | Members: 424,802

Holiday Closings

Columbus Day
Monday, October 12
2020 Holiday Closings


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Contact Us

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


1. Rates expressed as Annual Percentage Rate (APR). Rates are based on creditworthiness and term of loan. Income verification may be required. APR available October 1 – October 31, 2020.
2. Restrictions apply. 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.From September 1, 2020 – October 31, 2020 (“Sweepstakes Period”) (1) use Delta Community’s Online Bill Pay service to (a) add a new payee and make a payment to the payee, (b) activate a new eBill or (c) set up a new AutoPay or (2) use Zelle connected to your Delta Community account to make an external transfer and you'll be automatically entered to win one (1) of five (5) prizes, each consisting of a $1,000 cash deposit into the winner’s Delta Community Savings Account as part of our Delta Community Pay and Get Paid $1,000 Sweepstakes! For complete contest rules and details visit www.DeltaCommunityCU.com/PayandGetPaidSweepstakesRules.
NO PURCHASE NECESSARY TO ENTER OR WIN. Alternative method of entry available, by way of mail-in entries postmarked during the Sweepstakes Period. Sweepstakes open to U.S. citizens at least eighteen (18) years of age who are either Delta Community Credit Union members as of August 31, 2020 or residents of the counties in Delta Community Credit Union’s field of membership. Residents of Florida are not eligible to enter this sweepstakes. Mail-in entries must be submitted on a 3x5 card to qualify for entry.
4. 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.
5. 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.
6. 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.