A Message from Our Chief Operating Officer

Dear Valued Members,

On behalf of all Delta Community employees, I extend warm greetings and express our sincere appreciation for your patronage and loyalty.

Time continues to fly, and we are amazed to find ourselves halfway through 2026 already. We know the past six months have brought unanticipated economic challenges from spikes in inflation and other pressures on everyday affordability. Our focus on providing you with exceptional value, support and advice on the financial services you rely on to manage your household needs remains unwavering as well as motivating. We deliver on this commitment, in part, by offering consistent, highly competitive deposit and loan rates. Our six- and 12-month CD rates continue to present an excellent way to optimize savings and preserve flexibility—especially when staggering maturity dates through a practice known as laddering. 

I want to use this letter to briefly address another compelling topic: Generative AI. You cannot open a publication, scan a news site or tune into a radio or TV program today without seeing or hearing this technology mentioned. Our own Julie Bates, Vice President of Retirement & Investment Services, was interviewed in early June on WXIA/11-Alive relative to a national survey that reported 66% of consumers have queried Generative AI applications for insight into financial planning. Julie shared good guidance and caution on smart usage of such tools, and you can access her segment through WXIA’s online archive for “Money Moves” stories.

Given the role I am privileged to hold, I am increasingly asked by members, neighbors and other interested parties about the implications of Generative AI and Large Language Models (LLMs) for the banking industry broadly and Delta Community specifically.

At Delta Community, we have two clear objectives when considering Generative AI usage:

1. To empower our employees toward ever greater effectiveness, so we can raise the level of our personalized service and responsiveness even higher. We are augmenting with the technology, not automating to replace people and reduce staff.
2. To accomplish more with our employees through efficiency and productivity gains, which can allow us to invest more of our shared capital in free services; additional conveniences; and attractive deposit and loan rates.

Our members can also rest assured of our steadfast commitment to the operating principles of:

• Accountability
• Data privacy and protection
• Governance and compliance
• Integrity and transparency
• Safety and security

We have established an executive oversight committee to approve, monitor and manage Generative AI activity. Usage is limited to well-defined, internal business cases that align with our strategic objectives; conducted via authorized, licensed applications that have been tested to meet our strict data privacy, information security and IT standards; and conditioned on continuous human review and validation.

Delta Community was founded in 1940 on a cooperative, not-for-profit basis. We have always sought to develop personal connections and lifelong member relationships. We recognize the trust that you place in us and never take your confidence for granted. Our employees will always be easy to reach; grateful to serve; and equipped with specialized training and the latest technology and tools.

Again, thank you for your support of Delta Community. We wish you a fun, safe Fourth of July weekend and much pride in the 250^th anniversary of America’s founding.

Matthew Shepherd
Chief Operating Officer

Score Big with Double Referral Bonuses this Summer

This summer, every referral is a chance to win. Invite your friends, family and eligible coworkers to join Delta Community and earn a limited-time $100 bonus for each qualified referral through July 31, 2026. Your friend gets a $50 bonus when they join and meet a few requirements, so everyone wins!¹

Ready to get in the game? It’s easy: grab your personal referral link at DeltaCommunityCU.com/Refer, share it by text, email or social and start scoring. For every friend who joins, opens a new Checking Account and completes a few simple steps, you earn $100.

Don’t sit on the sidelines. For complete details, visit DeltaCommunityCU.com/Refer and start scoring your summer bonus today!

2027 Philanthropic Fund Now Open

We’re pleased to announce that the application period for Delta Community’s 2027 Philanthropic Fund is now open. Each year, this grant program provides financial support to registered 501(c)(3) nonprofit organizations serving communities throughout the 20-county metro Atlanta area, as well as the communities served by our three branch locations outside of Georgia.

In 2027, Delta Community will award a total of $150,000 in grants to 10 nonprofit organizations that are creating meaningful impact through programs that promote the health and well-being of young people, advance financial literacy and financial education, and support education in science, technology, engineering, arts and mathematics (STEM/STEAM).

Organizations whose missions align with these focus areas are encouraged to review the 2027 Philanthropic Fund grant guidelines and submit an application by August 31, 2026. To learn more and apply online, visit DeltaCommunityCU.com/PhilanthropicFund.

Help Delta Community "Stuff the Bus" with WSB-TV

Get ready to “Stuff the Bus” for kids in need! Delta Community is proud to once again join WSB-TV, Atlanta’s local ABC television station, in supporting the annual “Stuff the Bus” school supply drive, helping collect essential supplies for children in foster and group homes across metro Atlanta. Donation bins are available at many of our local branches to gather much-needed items, including:

• New youth and adult backpacks, preferably clear
• Pencils, pens, markers, crayons, mechanical pencils
• Planners
• Erasers
• Rulers
• Small calculators
• Spiral notebooks
• Glue sticks
• Highlighters
• Pencil sharpeners and pencil boxes
• Two-pocket folders and three-ring binders
• Index cards
• Safety scissors

Donations will be accepted at our branches until Saturday, July 11. If you miss this date, you can still contribute by bringing your donations to the Stuff-the-Bus event at our Stockbridge (Eagles Landing) Branch on Saturday, July 25, from 10:00 a.m. to 2:00 p.m. Join us in helping children start the new school year with everything they need!

$15,000 Awarded to Three HBCU Students

Last month, Delta Community and Atlanta radio station V-103 presented our first HBCU Scholarships of 2026, awarding $5,000 each to Camille Johnson, Taylor Harper and Tyler Lawrence. We were honored to meet them at a special on-site ceremony at Delta Community’s headquarters, where we presented their checks in person. 

Camille Johnson, a rising senior at Hampton University, is pursuing a degree in Strategic Communications with a minor in Marketing while maintaining a GPA above 4.0. An Honors College student and Gracie Award recipient, Camille combines creativity and service through projects like “Color My Future,” an HBCU-themed coloring book designed to inspire young students to pursue higher education.

Taylor Harper, a graduate of Charles R. Drew Charter School, maintained a 4.1 GPA while serving as Student Body President and co-founding Atlanta Mind Project, a nonprofit focused on teen mental health awareness. As she begins her studies at Spelman College, Taylor will continue to advocate for student wellness, leadership development and greater access to mental health resources.

Tyler Lawrence, a graduate of Union Grove High School, earned a 4.2 GPA while taking AP and dual enrollment courses. This fall, he will attend Morehouse College, where he plans to pursue a career in healthcare and become a Certified Registered Nurse Anesthetist. Through leadership with the Henry County NAACP Youth Council, mentoring programs and more than 300 volunteer hours, Tyler has demonstrated a strong commitment to serving his community.

To learn more about each of these exceptional students, visit DeltaCommunityCU.com/HBCU.

Delta Community awards a total of $50,000 in scholarships each year—$25,000 through our general scholarship program and $25,000 specifically for students attending historically Black colleges and universities (HBCUs). In 2026, the HBCU Scholarship will support a total of five recipients—three already awarded and two more to be announced this fall. Learn more about the scholarships we offer at DeltaCommunityCU.com/Scholarships.

Activate Your Bonus Categories and Boost Your Rewards

Maximize your rewards from July through September with Delta Community’s Bonus Reward Points.

Visa^® Platinum Rewards Credit Card holders can earn extra points on everyday purchases in select categories when they enroll each quarter.

This July through September, cardholders can earn 3x Reward Points on eligible purchases at restaurants and fast food locations, wholesale clubs, discount stores and department stores. Cardholders can also earn 2x Reward Points on eligible purchases at gas stations and grocery stores, and 1x Reward Points per $1 spent on all other eligible purchases.²

Enrolling in your quarterly bonus categories is quick and easy. Simply log in to Online Banking or our Mobile App  and choose Reward Points under the Loans & Credit Cards tab, then click the link to enroll for the current or upcoming quarter.

When you’re ready to redeem, you can choose from a variety of rewards, including Cash Back, Gift Cards, Merchandise and Travel. Activate your bonus categories today and start earning more on purchases you’re already making.

Delta Community-Sponsored Series Recieves Emmy and Telly Awards

We’re proud to celebrate the success of My Money Mentors, the financial literacy television series produced by WABE Studios with support from Delta Community, which recently earned a Southeast Emmy Award and multiple Telly Awards.

Designed to help Millennials and Gen Z build confidence in managing their finances, My Money Mentors follows financial advisor Jacqueline Schadeck and financial literacy coach Chris Corinthian as they help young adults navigate real-life financial challenges. Through practical advice and relatable stories, the series explores topics such as  budgeting, debt management, entrepreneurship and long-term financial wellness.

The show received a Southeast Emmy Award for its episode “Combatting Credit Card Debt.” It was also recognized with multiple Telly Awards, honoring excellence in television and video production.

These awards reflect the impact of My Money Mentors and its mission to make financial education accessible, engaging and actionable. Delta Community is honored to support initiatives that empower people to make informed financial decisions and build stronger financial futures.

Congratulations to WABE Studios and everyone involved in creating this award-winning series!

Financial Education Center Seminars

At Delta Community, we believe that knowledge is the key to reaching your financial goals and building strong financial habits. That’s why we offer a series of monthly workshops focused on different aspects of personal finance. This year, we’re proud to celebrate the 10th anniversary of our Financial Education Center—continuing a decade-long commitment to providing the tools and guidance you need to achieve financial success, whether you’re planning for a major milestone or simply looking to better manage your finances.

Build financial confidence with our July workshop series, Taking Control of Your Money. Learn the core principles of financial success, create a household budget, manage and reduce debt, and grow your savings. Join us for a guided in-person session to put it all together and develop your own personalized plan.

• July 7: Mindful Budgeting: Aligning Spending with Your Values | Live Webinar by Balance
• July 8: 10 Principles for Financial Success | Live Webinar
• July 14: Budgeting Made Easy: How to Create Your Personal Spending Plan | Live Webinar
• July 16: Mindful Budgeting: Aligning Spending with Your Values | Live Webinar by Balance
• July 16: Effective Strategies for Managing Debt | Live Webinar
• July 28: Effective Strategies to Build Savings | Live Webinar
• July 30: Guided Budgeting: Creating a Financial Roadmap | In-Person Workshop

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

Monthly Blogs

• How to Avoid Credit Card Debt Relief Scams: If you're struggling with credit card debt, be cautious of companies that promise quick fixes or guaranteed results. Debt relief scams often target consumers facing financial challenges and can leave them in an even worse situation. Learn how to recognize common warning signs, protect your finances and find legitimate resources for managing debt in this blog.