Delta Community Insights

October 2023

Fast Financing on Cruise Control

young woman driving car

Delta Community is offering members low rates on new and used CarVehicle Loans through November 30! Well-qualified borrowers with excellent credit can get rates as low as 5.09% APR on new and used Car Loans and as low as 6.79% APR on loans for boats, motorcycles, RVs and more!

To apply now, log in to Online Banking or our Mobile App and select Apply for a Loan, or call our Loan Consultant Group at 844-544-9478.

Save on Closing Costs with a Delta Community Home or Equity Loan

young woman stretching on couch

Bring your dreams to life with a Delta Community Home Equity Loan or Home Equity Line of Credit.

Our Home Equity Specialists can help you determine the best solution for your situation. Apply for a Home Equity Loan or HELOC now through October 31, 2023, and pay no closing fees.2 You can use your home’s equity for home renovations, debt consolidation, a dream vacation, unplanned expenses or whatever you need! For more information, or to apply, visit DeltaCommunityCU.com/HomeEquity.

In addition, members looking to buy their first home, upgrade or refinance can make the experience easy and affordable with low rates on a variety of Delta Community Home Loans. Our experienced team of Home Loan Specialists are ready to guide you toward the very best home solutions and quickly answer any questions all the way through closing and beyond. Apply for a Fixed or Adjustable-Rate Home Loan through November 30, 2023 and receive $1,000 off closing costs.

For more information, or to apply, visit DeltaCommunityCU.com/ComeHome, call 866-963-7811 Select Option 1, email Home.Loans@DeltaCommunityCU.com or schedule an appointment with a Home Loan Specialist today.

HBCU Scholarship Application Period Open

Delta Community HBCU Scholarship

This year, Delta Community will award $20,000 in scholarships to students attending Historically Black Colleges and Universities (HBCUs). Our second HBCU Scholarship entry period is still open and will run through October 31! If you know an exceptional student attending an HBCU or a graduating high school senior who has received an official acceptance letter to one, tell us why they deserve to receive a $5,000 scholarship. You may also nominate yourself. Delta Community will select two winners from among the most compelling submissions to each receive a $5,000 award. Visit DeltaCommunityCU.com/HBCU to learn more about previous winners and to apply. 

Win Your School's Share of $15,000 When You Give Back

Delta Community Give Back Giveaway

The seventh annual Give Back Giveaway with Jenn Hobby and Star 94 is accepting applications through October 29! The contest invites metro Atlanta students to organize a service project with their classmates to bring hope, joy and positive change to their communities. Past winners include school groups that have supported children and families in need, humane societies, cancer patients, the elderly and more.

Projects from five schools will be selected for awards as follows: three finalists will receive $1,000 each, one runner-up will receive $2,000 and one grand prize winner will receive $10,000. Organizations can use the prize money to help with virtual learning, books, school supplies, a class trip or whatever else they need. Visit Star 94’s website to learn more and apply!

Executive Insights Series

Delta Community Executive Insights series

Delta Community Credit Union is more than just a place to bank; we’re a resource for information that can help you make informed financial decisions in your day-to-day life. That’s why we’ve created new segments for our video series, Executive Insights, where the leaders of Delta Community delve into topics that are top of mind for savvy consumers.

In this year’s final installment of the series, Vice President of Information Security, Abdul Hussain sits down with Jai Rogers to discuss recent fraud trends to be aware of, how we protect our members’ data, and why safety and security is a vital part of our commitment to exceptional service.

Delta Community's Pay and Get Paid $5,000 Sweepstakes

Couple looking at tablet

Sending money to a friend or paying bills could really pay off! Each time you send a qualifying transaction with Zelle® or with Delta Community’s Bill Pay through October 31, you’ll be entered for a chance to win the Delta Community Fall 2023 Pay and Get Paid $5,000 Sweepstakes3, where five recipients will win $1,000! Qualifying transactions include sending $5 or more to enrolled family and friends using Zelle®, adding and paying a new biller ($10 minimum payment required), activating a new eBill and setting up an automatic payment.. Don’t miss your chance to win $1,000. Use Bill Pay and Zelle® today!

Delta Community Named #1 Best Place to Work in Atlanta

Delta Community Best Place to Work in Atlanta

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

If you’d like to build your career at a Best Place to Work, we’d love for you to join the Delta Community team! 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. You can apply directly through your mobile phone or tablet in just minutes. Learn more about our current openings and apply today.

Financial Education Center Honored with Desjardin Awards

Delta Community Desjardin award

Delta Community’s Financial Education Center was recently honored with two Desjardins Awards from the League of Southeastern Credit Unions & Affiliates (LSCU). These honors are presented to credit unions that show leadership in adult and youth financial literacy education and initiatives.

This is the seventh consecutive year our Financial Education Center has won the statewide Desjardins Award for Adult Financial Education and the sixth consecutive year it received a statewide Desjardins Award for Youth Financial Education. We are proud to support and strengthen our community through education.

October in Financial Planning Month

couple with financial advisor

You have money goals and we can help you meet them. This October, we want to celebrate Financial Planning Month by reminding you that as a Delta Community member, we’re here to help you meet all of your financial needs. We can help with things like getting your money in order, investing, creating a budget or planning for retirement. Take advantage of Financial Planning Month by making a move towards your money goals! To learn more, visit DeltaCommunityCU.com/FinancialPlanningMonth.

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.

This month, our workshop series will address Security and Privacy. We’ll discuss how to safeguard your personal and financial information, ways to prevent identity theft, cybersecurity and online safety tips, and how to protect yourself or your loved ones from financial abuse as you age.

We’re also hosting our Teens & Money Night workshop to help teens prepare for their financial future, and explore ways to pay for a college education. 

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

Monthly Blogs

  • How Credit Reports and Scores Can Affect the Cost of Your Insurance: Without a strong, positive, credit-based insurance score, an insurance policy applicant may only be offered policies with higher premiums or a higher monthly rate to pay. To the insurer, the lower credit score of a potential policyholder means that they are an increased risk for making claims, and consequently they must pay more money to the insurance company to offset the likelihood of future claims on the policy. Having to pay higher premiums or rates could increase insurance costs hundreds of dollars a year for an indefinite number of years, either until a consumer’s reports and scores are more robust or, possibly, if the insurer determines that the consumer is less risky based on some other criteria.
  • Only Make Digital Payments to People You Know and Trust : Digital payments can make life faster and easier, but they can also be untraceable and non-recoverable, making it difficult or impossible to either retrieve money sent to a crook or have the funds reimbursed by a financial company that unwittingly participated in the fraudulent transaction. If you make electronic payments, be extra careful when transferring funds. Read our latest blog to learn more!

Financial Status

As of August 31, 2023

  • Assets: $8.7B
  • Deposits: $7.5B
  • Loans: $5.7B
  • Members: 493,321

Holiday Closing

Columbus Day

Monday, October 9

Contact Us

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

EVERYTHING YOUR BANK SHOULD BE™

1. Rates expressed as Annual Percentage Rate (APR) for well-qualified borrowers with excellent credit. Rates are based on creditworthiness and term of loan. APR available October 1 – November 30, 2023. Income verification may be required.

2. Offer valid for Home Equity Loans and Home Equity Lines of Credit applied for between August 15 – October 31, 2023. Borrower will be responsible for prepaid interest, taxes, insurance (including state intangible tax where required) and attorney fees where required by state law to be paid by borrower.

3. 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®