Delta Community Credit Union
 
Monthly newsletter INSIGHTS November 2016
 
Car Loan Promotion Extended to November 15

The best road trips begin with a great rate and Delta Community is offering just that! We will continue offering members Car Loan rates as low as 1.73% APR1 for well-qualified borrowers on new and used cars until mid-November.

 
Don’t miss your chance to take advantage of:
  • The same low rate for new or used cars
  • Easy online application process via Online Banking
  • No pre-payment penalties
  • No application fee
Don't Forget to Activate your Chip Card
All chip Credit and Debit Cards have been mailed to existing cardholders. As a reminder, you should activate your chip card as soon as you receive it in the mail and destroy your old card as it will soon be deactivated.
 
When used at chip-enabled terminals, smart chip technology creates a unique, one-time code for each transaction, so it is virtually impossible to replicate in a counterfeit card. Chip cards offer enhanced fraud protection, are accepted worldwide and are easy to use. Read our blog to learn more about chip cards and the security they offer.  
Holiday Loan Promotion 
Happy family celebrating holidays
Make your holiday story a memorable one – and let us help. Apply now through December 31, 2016 for your 12-month Holiday Loan for as low as 6% APR2 for well-qualified borrowers. Holiday Loans are quick and easy to apply for and the funds conveniently go directly into your Checking Account.

Apply via Online Banking or ask a Delta Community representative for more information today. 
2016 Season of Giving and Receiving Sweepstakes
Family with dog
With this year's Season of Giving and Receiving Sweepstakes3, make a qualifying payment using Delta Community’s Bill Pay service online or on a mobile phone during the months of November and December and you'll be entered for a chance to win $10,000 through Fiserv, our Bill Pay service provider! To participate, simply make bill payments in both November and December and one winner will be selected each month. With each winner, a matching amount of $10,000 will also be sent to charity through the non-profit organization Good 360. 
IVR Improvements Coming This Month
Starting early November, we will be implementing enhancements to Delta Community’s 24-Hour Account Access Line (800-544-3328) in order to improve member experience. Our toll-free Interactive Voice Response (IVR) line allows members to self-service their accounts by performing functions such as accessing account information and balances, applying for loans or credit cards, activating cards, making loan payments and much more. Our Member Care Center is also available via the toll-free line to assist members with their accounts.
Updates to our IVR line include:
  • Streamlined navigation, making it easier to access your accounts in less time
  • More precise menu language 
  • A personalized telephone access PIN, which can be managed within IVR and/or Online Banking, for security and convenience
Philanthropic Check Presentation
Matthew handing out Philanthropic Check
Our 2016 Philanthropic Fund program wrapped up in October with a final $5,000 grant awarded to CASA of Hall-Dawson. CASA is a non-profit organization that provides representation and advocacy to abandoned and abused children going through the court system.
 
The Delta Community Philanthropic Fund invested a total of $80,000 throughout 2016 to 17 metro-Atlanta non-profit organizations, which support the physical and financial needs of people who live within the communities we serve. We are excited to announce our 2017 Philanthropic Fund recipients in the next issue of Insights. Please visit our Philanthropic Fund page for more information on how your organization can apply for a grant. 
Financial Education Center - November Workshops
Delta Community’s comprehensive Financial Education Center was 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, on-site workshops. Join us in November for Investing 101 and the Psychology of Spending
 
Be sure to check the Financial Education Center each month for one convenient listing of course details, an events calendar and a user-friendly registration process.
 
Recent Blogs
  • Shred Days: With the end of the year approaching, there is no better time than now to shred those sensitive documents.
  • Where Not to Stash Your Cash: From gift cards to apps to your mattress, there are many place you should not keep your cash. Take a look at our list of the worst places to stash your cash. 
  • IRA Benefits That Impact Young Adults: It’s never too early to start planning for retirement. Here are a few facts about the benefits of IRAs.
 
 
Financial Status
as of September 30, 2016 
Assets: $5.2B
Deposits: $4.5B
Loans: $4.0B
Members: 345,937
 
Holiday Closings
Friday, November 11
Veterans Day
Closed
(Delta Air Lines’ General Offices
and TOC Open)

Thursday, November 24
Thanksgiving Day Closed

(Delta Air Lines’ General Offices and
TOC Closed Friday, November 25)

2016 Holiday Closings

Websites
Homepage
Members Insurance
 
Contact Us

800-544-3328

Locations
  
Home Loan Line
866-963-7811

 
 
To make sure this goes to your inbox, just add  Marketing@DeltaCommunityCU.com to your address book.
1 Must apply on or after October 1. Rates expressed as Annual Percentage Rate (APR). Rates are based on creditworthiness and term of loan. APR available through November 15, 2016. Income verification may be required. 
APR=Annual Percentage Rate. Rates subject to change. This offer is based on creditworthiness at the time of offer acceptance. Income verification may be required. This offer is available November 1 - December 31, 2016.
3 The Season of Giving and Receiving Sweepstakes. NO PURCHASE OR PAYMENT NECESSARY TO ENTER OR WIN. A PURCHASE WILL NOT INCREASE YOUR CHANCES OF WINNING. Sweepstakes starts on 11/1/16 at 12:00:01 a.m. ET and ends on 12/31/16 at 11:59:59 p.m. ET. Open to legal residents of the 50 United States and D.C. who are 18 years of age and older. Void where prohibited. See Official Rules for details on prizes, notifications and how to enter by mail. Sponsor: Fiserv, Inc. 255 Fiserv Drive Brookfield, WI 53045.
NCUA This credit union is federally insured by the National Credit Union Administration.