December 2025
Smart Borrowing for Holiday Spending
You can count on us to offer helpful solutions during this holiday season. The Delta Community Holiday Loan is a responsible financial option to provide you with extra cash to help with your plans this season. Through December 31, apply for a 12-month Holiday Loan with rates as low as 8.25% APR1 for well-qualified borrowers with excellent credit. The application is quick and easy and the funds can go directly to your Checking Account. A Holiday Loan is great for travel expenses, gift giving, hosting family or whatever you need to make your holiday season special!
To apply, log in to Online Banking or our Mobile App 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.
Helping You Find the Right Health Coverage for 2026
There’s still time to review your health coverage options during Open Enrollment and choose a plan that fits your needs and budget.
Members Insurance Advisors, Delta Community’s wholly owned subsidiary, has teamed up with IHC Specialty Benefits, Inc. (IHC SB),a licensed insurance agency, to provide members access to licensed agents and a digital platform. Through this platform, you can compare ACA Major Medical plans, receive subsidy assistance and apply for coverage with ease.
Explore your options through January 15, 2026, and ensure you're covered for the new year. Visit DeltaCommunityCU.com/MyInsurance to learn more.
$100 for Every Friend Referred
It’s the most magical time of year when our Refer-A-Friend double bonus promotion is happening! Earn a limited-time double bonus of $100 for every qualified referral when you refer your friends, family or eligible coworkers to Delta Community until December 31.2 Celebrate with those most important in your life and give them the gift of credit union membership—plus, they can get a bonus of $100 when they join with this offer.3 Here's how to cash in:
- Get your personal referral link at DeltaCommunityCU.com/Refer
- Send your unique referral link to eligible friends via text, email or social media
- Get $100 for each friend who opens a Checking Account and meets a few simple requirements
That's not all! Make as many referrals as you can before December 31, 2025, and secure a spot as a top referrer! The top 10 referrers, during the promotional period, will receive a special gift card on top of their double referral bonus.4 Visit DeltaCommunityCU.com/TopReferrer for complete contest rules.
Take advantage of this opportunity to share Delta Community with your friends and earn extra holiday cash today!
Support Giving with Every Payment
Something wonderful will happen when you use Delta Community’s Zelle® or Bill Pay services this holiday season! Through December 31, each time you send a payment with Zelle®5 or make a qualified Bill Pay transaction, $1 will be donated to the non-profit support organization Good 360. Qualified transactions include sending $5 or more to a new contact using Zelle®, adding and paying a new biller ($10 minimum payment required), activating a new eBill or setting up an automatic payment. Don’t miss your chance to give back to a good cause. Use Bill Pay and Zelle® today!
The Delta Community Traditions Challenge Continues
The best traditions are the ones we share! Through December 31, our youth members can show off what makes their family traditions special by submitting a photo, video, drawing, story or any creative project. This season is all about family and fun. Whether it’s baking something sweet, decorating together, enjoying outdoor adventures or creating cozy memories at home, tell us what makes this time of year special for you. We’ll award ten $100 prizes—including a Grand Prize winner who will also receive a special Delta Community swag bag. Parents, submit your child’s entry form and creation by emailing DEPTMarketing@DeltaCommunityCU.com. Learn more and get a contest entry form at DeltaCommunityCU.com/Traditions.
Delta Community Partners with WSB-TV for Annual Coat Drive
This holiday season, Delta Community Credit Union is proud to partner with WSB for a coat drive to help keep our community warm. Together, we're collecting new and gently used coats to distribute to those in need during the chilly winter months. We invite our members to join us in this effort by donating coats at participating Delta Community branches. You can drop off your donations at select branches from December 15 through January 9. Check our Facebook page for updates on which branches will be participating in the coat drive.
Each donated coat will bring comfort to someone in need and reflect the caring spirit of our Delta Community members. Let's work together to spread warmth and kindness throughout the season.
Finish Strong: Smart Year-End Financial Moves
As 2025 winds down, take a few simple steps to strengthen your financial foundation and start 2026 with confidence.
Max Out Tax-Advantaged Accounts:6 Boost your savings and reduce taxes by contributing up to the limit in your IRA, 401(k), or Health Savings Account (HSA). If eligible, consider making a catch-up contribution before year-end.
Meet Required Minimum Distributions (RMDs): If you’re age 73 or older, be sure you’ve taken RMDs from all tax-deferred retirement accounts to avoid IRS penalties. Don’t need the funds? Ask your qualified tax professional or financial advisor about a Qualified Charitable Distribution (QCD)—a direct gift from your IRA to charity that may lower your taxable income.
Consider a Roth Conversion:7 If you expect higher income or tax rates ahead, talk with your tax professional about Roth IRA Conversion before December 31. This can provide future flexibility but does generate taxable income in the year of conversion.
Plan for Tax Efficiency: Work with your qualified tax professional to review your withholdings, deductions and credits to prepare for a smoother tax season ahead.
Use Year-End Gifting Opportunities: Generosity can be strategic too. You can give up to $19,000 per recipient in 2025 without gift tax, or make direct payments for education or medical expenses that don’t count toward that limit.
Take these steps now to make the most of your savings before the year ends. Finish the year strong with expert guidance from Delta Community Retirement and Investment Services CERTIFIED FINANCIAL PLANNER® professionals. Contact us today to create a plan that fits your goals for 2026 and beyond.
Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC).8
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.
Join us in December for our workshop series, Pathways to Financial Success. Now is the perfect time to review your finances and prepare for what’s ahead. You’ll learn how to assess your financial health, make informed borrowing decisions, teach your kids smart money habits and set the foundation for lasting financial success.
In addition, our financial coaching service, Balance, will share holiday budgeting strategies and practical tips to help you avoid year-end credit card crunches and future debt traps.
Check our Events & Seminars page for more information on upcoming seminars.
Monthly Blogs
- Some Essential Questions to Ask About a Loan—Part 1: At Delta Community we recognize that taking out a loan is a big decision—whether it's for education, buying a home, a vehicle or consolidating debt. The first installment of our “Essential Questions to Ask About a Loan” blog focuses on what every borrower should consider before signing on the dotted line.
- Making a Holiday Budget and Spending Less: The holiday season is here, and it’s a great time to aim for festive fun without financial stress. Start by listing all your anticipated holiday expenses—decorations, gifts, meals, travel—and then prioritize them from “must-haves” to “nice-to-haves.” Set a realistic spending limit and give yourself some flexibility to take advantage of good deals. Use reward points and compare prices to stretch your budget even further. Read this blog for more holiday budgeting tips.
Financial Status
As of October 31, 2025
- Assets: $9.0B
- Deposits: $7.9B
- Loans: $6.2B
- Members: 525,400
Holiday Closing
Wednesday, December 24
Christmas Eve, Closing at 2:00 p.m.
Thursday, December 25
Christmas Day, Closed
Contact Us
Member Care: 800-544-3328
Home Loans: 866-963-7811
Locations
EVERYTHING YOUR BANK SHOULD BE™
1. APR is based on creditworthiness and term of loan. The monthly payment for a $2,000 loan at 8.25% annual percentage rate with a term of 12 months would result in 12 monthly payments of $174.23.
2. Referrer must be a current Delta Community Credit Union member (Primary Account-holder) in good standing through the time of bonus fulfillment. Bonuses earned through this promotion are subject to IRS reporting. Refer-A-Friend bonus cannot be combined with other promotions and is not valid for previous offers or orders. The person you refer must be at least 13 years old to participate in the program. Bonus payments are made within 60 calendar days of program requirements being met. You can earn up to $500 per calendar year for successful referrals under this program.
3. Applicant must be at least 13 years old, eligible and qualify for membership, and be referred by a current Delta Community Credit Union member (Primary Account-holder) in good standing. To obtain the $100 bonus applicant must (1) become a member of Delta Community Credit Union by opening a consumer Savings Account with a minimum of $5; (2) open any consumer Checking Account within 90 calendar days of opening membership; and (3) deposit $50 to Checking Account and make a minimum of 10 (ten) Visa® Debit Card purchases which post and clear the account within 60 calendar days of Checking Account opening. ATM transactions will not be considered for bonus. Refer-A-Friend Promotion Code obtained through Delta Community Refer-A-Friend website must be applied online or in a branch at account opening. Offer not valid if not redeemed by one of these two methods. To receive bonus, account must be in good standing, with deposit balances above zero dollars, any applicable loan payments current, and all accounts in compliance with any other terms, conditions and governing requirements. Offer is valid for first-time Delta Community members only, is not transferable, and cannot be combined with other offers. Bonuses earned through this promotion are subject to IRS reporting. Offer may only be redeemed once per member. The Annual Percentage Yield for Savings is 0.25% and for Interest Checking is 010% as of October 1, 2025. Rates are subject to change. Fees may reduce earning. The bonus will be deposited to the Checking Account within 60 calendar days after deposit and transaction requirements are met. By participating in the promotion, you accept the Platform Terms and Conditions and the Refer-A-Friend Terms and Conditions available through DeltaCommunityCU.com/Refer.
4. Must be a Delta Community member, age 18 or older, to enter. Contest runs November 1 – December 31, 2025. Referrals must result in a new membership opened during the Contest Period. Ten (10) winners with the highest number of eligible referrals will each receive a $25 Amazon gift card. Void where prohibited. Additional terms and full Official Rules available at DeltaCommunityCU.com/TopReferrer.
5. To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Maximum donation is $25,000 total for all campaign participants throughout 2025. Rules are subject to change without notice. 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®.
6. This information is not intended to be a substitute for specific individualized tax or legal advice. We suggest that you discuss your specific situation with a qualified tax or legal advisor.
7. A Roth IRA conversion—sometimes called a backdoor Roth strategy—is a way to contribute to a Roth IRA when income exceeds standard limits. The converted amount is treated as taxable income and may affect your tax bracket. Federal, state, and local taxes may apply. If you’re required to take a minimum distribution in the year of conversion, it must be completed before converting.
To qualify for tax-free withdrawals, you must generally be age 59½ and hold the converted funds in the Roth IRA for at least five years. Each conversion has its own five-year period, and early withdrawals may be subject to a 10% penalty unless an exception applies. Income limits still apply for future direct Roth IRA contributions.
8. Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Delta Community Credit Union and Delta Community Retirement & Investment Services are not registered as a broker/dealer or investment advisor. Registered representatives of LPL offer products and services using the name Delta Community Retirement & Investment Services, and may also be employees of Delta Community Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from and not affiliates of Delta Community Credit Union or Delta Community Retirement & Investment Services.
Securities and insurance offered through LPL or its affiliates are:
