- How to apply for a loan
How do I apply for a loan or to refinance a loan from a different lender?
To be eligible to apply for a loan, you must be a primary member of the credit union. Joint owners must obtain their own account before applying for a loan. Membership can be applied for online.
The fastest way to apply for a loan is online. Log into your Online Banking account choose Apply for a loan in the Tools & Services section on the MyCU page. If you have recently been upgraded to the new Online Banking, you will find the Apply for a loan or credit card under the Loans tab.
You may be preapproved within seconds. You can also speak to a representative at 1-800-544-3328 or apply at any Delta Community CU branch office.
- Applying for a pre-approval on a special order car
How soon should a member apply for a car loan if the car is a special order?
A pre-approval is valid for 30 days; however, if the vehicle has not arrived during that 30 day period, you can submit a copy of the special order to Delta Community CU, and we will extend the pre-approval for you. You may submit in person or fax to 404-677-4807.
- Car loan rates competitive with other financial institutions
- Are Delta Community CU car loan rates competitive with other financial institutions?
The Delta Community CU interest rates and dividend rates are competitive with most other lending institutions. There are 3 factors involved in determining the interest rates: 1) credit score, 2) term of loan, 3) loan type. Other financial institutions may use additional factors to determine rates. With so many variables, there is always an institution that will offer a lower rate on any given loan product, but overall, Delta Community CU tries to provide competitive rates on our portfolio as a whole, based on such criteria as mentioned above.
- Salvaged title for car loans
Does Delta Community CU accept salvaged titles for car loans?
We do not accept titles branded as salvaged, rebuilt or reconstructed for car loans.
If you qualify, you can take out a personal loan. You can apply for the personal loan by logging into your Online Banking account and choosing Apply for a Loan in the Tools and Services section. If you have recently been upgraded to the new Online Banking, select Apply for a Loan or Credit Card under the Loans tab.
- Register car title in new state
- I moved to another state, can I get my title to register in the new state?
You must go to your local DMV (Department of Motor Vehicles) or tag office in the new state and explain that you have a title issued by another state. The DMV will either complete the form and submit it to the credit union or give you a form to complete and send in to the credit union. The form can be faxed to 404-677-4809 or sent by mail to: Delta Community Credit Union, Attn Titles, 1025 Virginia Avenue, Atlanta, GA 30354. Once the request is received the Title Department will send the old title via certified mail to the new state's DMV office or tag office.