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budget, credit, investment, savings

Making Tough Financial Choices in a Tough Economy

For those unemployed, financial hardship is a reality they are facing now or will soon face as their income has stopped or gotten smaller. Even the government’s Economic Impact Payments may provide only limited fiscal relief for Americans whose personal debt may be increasing while their funds are decreasing. With less money, it’s essential to be very careful with spending it, and to think about what you could do now to trim expenses.

budget, credit, investment, savings

Working from Home? Here Are 15 Financial Tasks You Can Do Now

From the privacy of your home, you can invest time in personal financial matters that you might not be able to focus on at a workplace. Every year you should take a look at your income, expenses, and budget and adjust them.

budget, credit, investment, savings

Important Financial Education for Select Employee Groups During the Pandemic

As the COVID-19 pandemic impacts all of us now—and may affect the world for months—improving your financial knowledge could be essential in helping sustain your financial well-being.  Key information may assist you in overcoming any setbacks that you may encounter during this unique and challenging time.

budget, credit, investment, taxes

2019 Tax Deadline Extension, IRA/HSA Contributions, and Paying Taxes

This March the Treasury Department and Internal Revenue Service announced that the federal income tax filing due date is automatically extended from April 15, 2020, to July 15, 2020; this date change also automatically extends the ability to contribute to Individual Retirement Accounts/Health Savings Accounts for the 2019 tax year to July 15.

budget, investment, retirement

How a CD Can Boost Your Savings

Do you have any CDs to go along with your savings and checking accounts? If not, then you should consider finding out more about them. For financial institutions, CDs are about Certificates of Deposit, and they are a pretty easy way of letting your money grow more than it might in a checking or savings account.

budget, credit, investment, real estate

How the Fed Cut Affects Current Consumer and Mortgage Loan Rates

Recently, the U.S. Federal Reserve Bank's (the Fed) Federal Open Market Committee announced it would cut interest rates to a historic low, with the basic—or benchmark”—U.S. interest rate now in a range of 0 to 0.25 percent. That's an incredibly low rate, and in response, there are a lot of very eager homeowners (or would-be new homeowners) intensely interested in refinancing their current loan or trying to get a new home loan right now.

budget, investment, taxes

Making the Most of Your 2019 Tax Refund, Commission or Bonus

An expected refund, commission or bonus can inspire exciting plans for spending our big check. But remember: tax refunds are your money to begin with and you worked hard to earn your bonus.

budget, credit, education, investment

New Year’s Financial Resolutions You Can Really Keep

For many people, one thing the new year always brings is new year's resolutions—promises to ourselves and others that will take actions to alter—and usually improve—some (or many) aspects of our life. It's common for people to want to change their weight and exercise program, modify a personal relationship, do something different with their job or career, travel more, begin (or invest more time in) a hobby or sport. Even though the new year has begun, it's not too late to make or revise resolutions for the rest of the year.

investment, real estate, retirement, taxes

2019 Tax Documents Are Ready to Download

Tax season is here, and Delta Community members enrolled in Online Statements can now access their 2019 tax documents in Online Banking and in the Mobile App. You can view and download your documents or print hard copies.

investment, retirement

Add an IRA to Your Tool Box

With each new year comes new opportunities to set goals to improve your habits, health or wealth. While we can’t help you hit the gym more often, we can offer tips for improving your finances. Opening an Individual Retirement Account, or IRA, is a great way to save for the future, and the earlier you get started, the more time your savings has to grow.

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