Insights for October 2016

Delta Community Credit Union
Monthly newsletter INSIGHTS July 2016
Take Advantage of these Low Car Loan Rates

The best road trips begin with a great rate and Delta Community is offering just that! Starting October 1, we’re offering members Car Loan rates as low as 1.73% APR1 for well-qualified borrowers on new and used cars.

Members can take advantage of:
• The same low rate for new or used cars
• Easy online application process via Online Banking
• No pre-payment penalty 
• No application fee
Home Equity Pocket Your Appraisal Promo Kicks Off 
Starting October 1, the Delta Community Pocket Your Appraisal Promo offers members great Home Equity rates, flexible terms and no appraisal fee.2 Whether you need to finance home improvements, cover unexpected expenses or consolidate debt, a Delta Community Home Equity Loan or Line of Credit may be the right option for you.
Home Equity Loan benefits include:
• Competitive fixed Home Equity Loan rates
• Quick access to available funds
• No pre-payment penalty

Home Equity Line of Credit benefits include:
• Offers competitive variable interest rate
• Funds are available on an as-needed basis
• Borrow over an extended period of time

Take Advantage of the Home Equity Pocket Your Appraisal Promo before October 31, 2016!

Spelman College Student Awarded HBCU Scholarship
Kiss 104's Veronica Waters, HBCU Scholarship recipient Etienne Batiste and Hank Halter
Delta Community and Atlanta radio station KISS 104's scholarships for students attending Georgia’s Historically Black Colleges or Universities (HBCUs) continued in September, with a check for $2,000 being presented to Etienne Batiste of College Park, Georgia. 
Etienne is majoring in civil engineering and plans to use her degree to improve the city of Atlanta. She is very dedicated to her education as she earned 30 college credit hours while still in high school and she was selected as valedictorian. Etienne has been a member of Delta Community since 2015.
Throughout 2016, Delta Community will award a total of $8,000 in scholarships to students attending HBCUs in the state of Georgia.
Learn more about the Delta Community - KISS 104 HBCU Scholarship Program.
Mt. Zion Branch Celebrates 10 Years of Service
Pam Davis with the Mt. Zion Branch Team and the award commemorating the branch's 10-year anniversary
Delta Community recently celebrated the 10th anniversary of its Stockbridge - Mt. Zion Branch. In a ceremony commemorating this milestone, senior vice president Pam Davis thanked members for their support.

"As one of our busiest locations, Mt. Zion has contributed to our success over the past decade,” Pam said. “The support of our members and the hard work and dedication of this branch team are greatly appreciated."
The Mt. Zion Branch was the third free-standing location that Delta Community built after expanding its field of membership in 2005. Located in Henry County, the Mt. Zion Branch services 50,000 members and also supports the area with financial and volunteer investments in many organizations, schools and charities.
Chip Card Conversion Update
Our chip card conversion continues this month as chip Debit Cards are mailed to existing Debit Cardholders. 
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. Take a look at our blog to learn more about chip cards and the security they offer.  
National Cyber Security Awareness Month
October is known as National Cyber Security Awareness Month. One of the most common forms of cyber security related concerns is identity theft, which occurs when someone uses your personal information without your knowledge or consent for financial or other gain.

A few ways you can keep yourself safe from identity theft include:
• Review your credit report at least once a year
• Guard your personal information
• Regularly check bank statements
• Carefully dispose documents and mail with your personal information
• Protect your computer and smartphone with anti-virus software and challenging passwords


Learn more about National Cyber Security Awareness month and how to stay protected in our blog.

Financial Education Center - October Workshops
Delta Community’s comprehensive Financial Education Center offers members several free, on-site workshops. Join us in October for:

• Financial Planning for Women by Women
• Investing 101
• Rebuilding after a Financial Crisis

Individual Counseling Sessions, which provide one-on-one money management, budget and debt counseling from a certified financial planner, will also be available. Check out the Financial Education Center each month for one convenient listing of course details, an events calendar and a user-friendly registration process.

Financial Status
as of August 31, 2016 
Assets: $5.1B
Deposits: $4.5B
Loans: $4.0B
Members: 344,598

Holiday Closings
Monday, October 10
Columbus Day
All Branches Closed

2016 Holiday Closings

Contact Us


Home Loan Line

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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 October 31, 2016. Income verification may be required. 
2 Must apply between October 1 - October 31, 2016 and we’ll waive the appraisal fee for you Home Equity Loan or Line. Property insurance may be required. 
NCUA This credit union is federally insured by the National Credit Union Administration.
Copyright © 2016 Delta Community Credit Union. All Rights Reserved. This email was sent to you by Delta Community Credit Union located at 1025 Virginia Avenue, Atlanta, Georgia 30354.