Insights for December 2015

December 2015
Volume 13 Issue 12
Archived Issues
Insights is a monthly newsletter for members of Delta Community Credit Union.
2016 Philanthropic Fund Recipients Announced 
Delta Community has announced that it will invest a total of $80,000 in 17 metro Atlanta non-profit organizations throughout 2016, as part of its third annual Philanthropic Fund program.

The Philanthropic Fund is one of the many ways Delta Community supports organizations committed to enhancing the physical and financial well-being of people living within the communities it serves.

Visit our website for a complete list of the organizations receiving grants next year and to learn more about the
Philanthropic Fund.
Delta Community will grant $80,000 to 17 metro Atlanta charities in 2016 through its Philanthropic Fund grant award program
Refer-A-Friend Promotion Shares the Love
Know someone who can benefit from all that Delta Community has to offer?

Refer eligible family members, co-workers or friends to Delta Community, and as referred members take steps to get more out of their finances with the Credit Union, members and referrals can each earn bonuses up to $30!
  • $10 - When referred members open Savings and Checking Accounts with Debit Cards (and make at least one purchase)
  • $10 - When new members establish Direct Deposits on their new accounts
  • $10 - When new members register for Online Bill Pay service
Visit our website to submit referrals or to learn more about the Refer-A-Friend promotion.
Holiday Loans Available Through Dec. 31, 2015
There is still time to apply for a Holiday Loan of $1,200 at a low, fixed rate of 12% APR* for 12 months through Dec. 31, 2015

With Holiday Loans, members can get the funds they need to be the best gift-givers of the season, while also ensuring monthly payments are easily budgeted next year.
In addition to Holiday Loans, Delta Community offers a variety of personal loan options to meet members' lending needs. To apply for a loan, log in to Online Banking and select Apply for a Loan under the Loans tab, call 800-544-3328 or visit one of our 26 branch locations.

*APR=Annual Percentage Rate. Rates subject to change. The $1,200/12 month/12% APR offer is based on creditworthiness at the time of offer acceptance. Estimated monthly payment of $106.94. Income verification may be required. This offer is available through Dec. 31, 2015.
Reward Points Expiration Reminder - Redeem Now!
Members with Reward Points expiring at the end of the year are reminded that now is the perfect time to redeem points for holiday gift-giving. 

Whether it is for gift cards to restaurants, merchandise, cash back or a variety of other redemption options, redeeming points can be a great way to get more out of your holiday spending.
To ensure delivery before Dec. 24, gift card redemptions must be received by
Dec. 14. Merchandise orders must be received no later than Dec. 7 for common carrier delivery and Dec. 16 for standard FedEx and UPS delivery.   
Bill Pay Promotion Gives Back During Holidays
It is the season of giving and Delta Community is helping members spread holiday cheer all over the world.

Between now and Dec. 31, 2015, Delta Community Bill Pay users who add and pay new merchants through Bill Pay will have $1 donated to a deserving charity from Fiserv, the Credit Union's Online Bill Pay partner. Good360, Fiserv's charitable organization, connects people in need with charities across the globe.
Learn more about Online Bill Pay and "The Season of Giving" promotion.
The Power of Your Personal Credit Card Benefits
Consumers are always looking for the best deals, including those for credit cards. Reward programs make card offerings attractive, and consumers are generally loyal to their bank or credit union issued cards.

Nevertheless, many cardholders are probably unaware of the additional benefits their credit cards offer, failing to understand or take advantage of some great security and consumer-protection features.
Read our blog to learn more about the power of personal credit card benefits you may be carrying around in your wallet.
EMV Chip Card Update
Delta Community has completed preparations for the rollout of its new EMV (Europay, MasterCard & Visa) chip-based cards in 2016. Merchants are installing the readers for these cards and the devices will become more common next year.

Members can expect to receive more information on the EMV chip cards in the weeks ahead. In the meantime, members can continue to use their Delta Community Visa cards with confidence.

Financial Status
as of Oct. 31, 2015 
Assets: $4.9B
Deposits: $4.3B
Loans: $3.5B
Members: 329,789

Holiday Closings
Thur., Dec. 24 
hristmas Eve
All branches open until 2 p.m.
Fri., Dec. 25
Christmas Day
All branches closed


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