Delta Community Insights

October 2025

Conyers Branch Now Open

Delta Community Conyers Branch staff

We’re excited to announce the official opening of our newest full-service Delta Community branch in Conyers! Located at 1446 Old Salem Road Southeast, right next to Floor & Décor, this marks our 31st metro Atlanta location and our very first in Rockdale County. This modern branch is designed to deliver the convenient, personalized experience our members expect, offering the full range of Delta Community’s financial products and services in a welcoming, member-focused environment.

To make banking even easier, our Conyers Branch features two 24-hour ATMs, plus Live Teller access during extended hours—so you can bank when it’s most convenient for you.

We’re proud to expand our footprint to Rockdale County and look forward to building strong relationships in this vibrant community. Stop by and see us—we’re ready to serve you!

The Road Ahead Looks Brighter with Delta Community

two women in car

If you're in the market for a car or ready to explore in a new recreational vehicle, now’s the perfect time to finance your next ride with Delta Community.

Now through October 31, 2025, we have a limited-time offer on New and Used Car Loans, as well as Recreational Vehicle Loans.1 Qualified borrowers with excellent credit can enjoy rates as low as 3.79% APR,2 helping you save more and drive with confidence.

Applying is quick and easy. Simply log in to Online Banking or our Mobile App and select Apply for a Loan. Don’t miss this opportunity to save—lock in your low rate today and enjoy the ride ahead!

Nominate a Student for Our HBCU Scholarship

Delta Community HBCU Scholarship

This year, Delta Community will award $25,000 in scholarships to students attending historically Black colleges and universities (HBCUs). Our second HBCU Scholarship entry period is still open and will run through October 31! If you know an exceptional student attending an HBCU or a graduating high school senior who has received an official acceptance letter to one, tell us why they deserve to receive a $5,000 scholarship. You may also nominate yourself. Delta Community will select two winners from among the most compelling submissions to each receive a $5,000 award.

Visit DeltaCommunityCU.com/HBCU to apply and learn more about previous winners. 

Get Settled and Save with Delta Community Home Loans

couple sitting in home being renovated

Whether you're planning home improvements, buying your first home or refinancing, Delta Community offers smart, affordable financing options—along with limited-time savings to help you get started.

Now through October 31, 2025, members can apply for a Home Equity Loan or Home Equity Line of Credit (HELOC) and pay no closing fees.³ Whether you're updating your home, consolidating debt⁴ or covering a major purchase, our Home Equity Specialists will help you find the right solution—and keep more money in your pocket. Learn more at DeltaCommunityCU.com/HomeEquity.

If you're looking to buy your first home, upgrade or refinance, apply for a Fixed or Adjustable-Rate Home Loan by November 30, 2025, and receive $1,000 off closing costs.5 Our experienced Home Loan Specialists are here to guide you through the process, from application to closing.

For more information or to apply, visit DeltaCommunityCU.com/ComeHome, call 866-963-7811 (select Option 1) or email Home.Loans@DeltaCommunityCU.com to connect with a Home Loan Specialist.

Let Delta Community help you make the most of your home while saving more this season.

Pay and Get Paid $1,000 Sweepstakes

woman laying on couch and looking at phone

Sending money to a friend or paying bills could really pay off! Each time you send a qualifying transaction with Zelle® or with Delta Community’s Bill Pay between September 1 and October 31, you’ll be entered for a chance to win the Delta Community Fall 2025 Pay and Get Paid $1,000 Sweepstakes,5 where five recipients will win $1,000! Qualifying transactions include sending $5 or more to enrolled family and friends using Zelle®, adding and paying a new biller ($10 minimum payment required), activating a new eBill and setting up an automatic payment . Don’t miss your chance to win $1,000. Use Bill Pay and Zelle® today!

Boost Your Rewards—Activate Your Bonus Categories

friends dining at restaurant

Maximize your earnings each quarter with Bonus Reward Points! If you have a Visa® Platinum Rewards Credit Card, you have the opportunity to earn extra points on everyday purchases in select categories.

Be sure to enroll each quarter to take advantage of 2x or 3x the Reward Points on eligible purchases. From October through December, earn:

  • 3x Reward Points on purchases at Restaurants & Fast Food, Wholesale Clubs, Discount Stores, and Department Stores.
  • 2x Reward Points on purchases at Gas Stations and Grocery Stores.
  • 1x Reward Point per $1 spent on all other eligible purchases.

Activating your bonus categories is quick and easy! Simply log in to your account, go to Reward Points under the Additional Services tab (or select More in our Mobile App), and click the link to enroll for the current or upcoming quarter. When you're ready to redeem your points, choose from a variety of rewards, including Cash Back, Gift Cards, Merchandise and Travel—without blackout dates. Start earning more today and activate your bonus categories now!

October is Financial Planning Month

Couple with financial advisor

You have money goals and we can help you meet them. This October, we’re recognizing Financial Planning Month by reminding you that as a Delta Community member, we’re here to help you meet all of your financial needs. We can help with things like getting your money in order, creating a budget or planning for retirement. Take advantage of Financial Planning Month by making a move towards your money goals! To learn more, visit DeltaCommunityCU.com/FinancialPlanningMonth.

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.

This month, our workshop series focuses on Protecting Your Financial Well-Being. We’ll cover how to protect your identity, stay safe online, understand and prevent elder financial abuse and what you need to know about credit reports and scores. In addition, our financial coaching service BALANCE will review key differences between federal and private student loans. 

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

Monthly Blogs

  • How to Pay Off Credit Card Debt—Part 2: In the latest installment of our series, we share more practical ways to reduce or eliminate credit card debt. This post explores using a lower‑interest personal loan, cutting non‑essential expenses, boosting income and making lifestyle adjustments to free up extra funds.
  • 12 Warning Signs of a Potential Foreclosure Assistance Scam: In this blog, we highlight warning signs to watch out for when seeking help with foreclosure. We also point you to legitimate resources, including HUD‑approved counselors, Delta Community’s Member Assistance Program and the free financial guidance offered by BALANCE™, so you can get help you can trust.
  • 5 Simple Steps to Help Stay Safer Online: October marks National Cybersecurity Awareness Month, and we’re sharing five simple yet powerful tips to help protect your personal information. The blog also highlights common scams, how to spot them and the importance of staying vigilant online year-round.

Financial Status

As of August 31, 2025

  • Assets: $8.9B
  • Deposits: $7.9B
  • Loans: $6.0B
  • Members: 522,526

Holiday Closing

Monday, October 13

Columbus Day, Closed

Contact Us

Member Care: 800-544-3328
Home Loans: 866-963-7811
Locations

EVERYTHING YOUR BANK SHOULD BE™

1. Recreational Vehicle Loans are loans for aircraft, boats, motorcycles and RVs.

2. Annual Percentage Rate (APR) available September 1 – October 31, 2025. Rate is based on creditworthiness and terms of the loan.

3. Offer valid for Home Equity Loans and Home Equity Lines of Credit applied for between September 1 – October 31, 2025. Borrower will be responsible for prepaid interest, taxes, insurance (including state intangible tax where required) and attorney fees where required by state law to be paid by borrower Adequate property and flood insurance required, if applicable. All loans subject to credit approval and acceptable property. HELOCs have a variable Annual Percentage Rate (APR) and are based on an index plus a margin. It is subject to change monthly with the Prime Rate (the index) as published in the Wall Street Journal.  As of October 30, 2025, the APR ranges from 7.25% to 8.25% depending on creditworthiness and loan to value. The APR will never be lower than 3.00% or higher than 15.00%.

4. For debt consolidation, even with a lower interest rate or lower monthly payment, paying debt over a longer period of time may result in the payment of more in interest.

5. Receive $1,000 off closing costs when you close a First Mortgage Home Loan. Offer valid for applications submitted October 1, 2025 through November 30, 2025. The offer will be reflected as a lender-paid credit on the closing documents. Offer is not valid on Home Equity Loans, Home Equity Lines of Credit or Lot/Land Loans.

6. During September 1, 2025 - October 31, 2025 (“Sweepstakes Period”) (1) use Delta Community’s Online Bill Pay service to (a) add a new payee and complete a payment to the payee of at least $10, (b) activate a new eBill or (c) set up a new AutoPay or Recurring Payment or (2) use Zelle® connected to your Delta Community account to schedule and send $5 or more and you'll be automatically entered to win one (1) of five (5) prizes, each consisting of a $1,000 cash deposit into the winner’s Delta Community Savings Account, as part of our Delta Community Fall 2025 Pay and Get Paid $1,000 Sweepstakes! For complete sweepstakes rules and details visit www.DeltaCommunityCU.com/PayandGetPaidSweepstakesRules.

NO PURCHASE NECESSARY TO ENTER OR WIN. Alternative method of entry available, by way of mail-in entries postmarked during the Sweepstakes Period. Sweepstakes open to citizens who are at least 18 years of age and eligible for membership in Delta Community Credit Union. Mail-in Entries must be submitted on a 3x5 card to qualify for entry.

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®.