Delta Community Insights

August 2023

CD Rates are on the Rise Again

Delta Community CD Rates

Our CD rates have increased! Now is the perfect time to open a CD at Delta Community and lock in your savings. If you’re looking for a short-term savings solution, consider our 6-month CD with a new, competitive 3.75% APY. And, our 12-month CD rates are now up to 4.85% APY.  Opening a new CD is one of the safest ways to invest in the future, and it’s easy. It’s also the perfect savings option for a loved one with big plans to come. Plus, when you choose Delta Community, you get more than attractive rates, we provide exceptional service and attention you deserve.

To get started, log in to Online Banking or our Mobile App, choose Add an Account from the menu, then select Certificate of Deposit (CD). You can also stop by any Delta Community branch, or if you have questions about our CDs or other savings products, call us at 800-544-3328.

Make sure to check our website for the most up-to-date rates.* Rates shown as of August 1, 2023.

HBCU Scholarship Application Period Open

Delta Community HBCU Scholarship

This year, Delta Community will award $20,000 in scholarships to students attending Historically Black Colleges and Universities (HBCUs). Our second HBCU Scholarship entry period is now 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 to learn more about previous winners and to apply. 

Teen $100 Deposit Match Promotion

Delta Community Teen Match Promotion

A Delta Community Savings Account is a fantastic opportunity for teens to begin forming healthy savings habits that will prepare them for a bright financial future, and we’re excited to announce the new Delta Community Teen $100 Deposit Match Promotion! This special limited-time offer is open now through August 31. When your teen between the ages of 13 and 18 opens a new Savings Account, we’ll match the opening deposit up to $100! Applicants must qualify for Delta Community membership and be listed as the primary accountholder. To open the Savings Account, apply online or visit your local Delta Community branch. Take advantage of this special deposit match before it ends on August 31! To learn more, visit

2024 Philanthropic Fund Still Open

young woman volunteering

The application period for the 2024 Philanthropic Fund grant awards is still open! This annual grant-making program provides financial support to registered 501(c)(3) non-profit organizations in our 16-county metro Atlanta region and in our out-of-state branch communities. Throughout 2024, the program will distribute a total of $150,000 to 20 non-profit organizations committed to the health and well-being of young people, financial literacy and educational programs focused on science, technology, engineering, arts and mathematics (STEM/STEAM).

Interested organizations can review the 2024 Philanthropic Fund grant guidelines and submit an application on our website by August 31, 2023.

Executive Insights Series

Delta Community Executive Insights series

Delta Community Credit Union is more than just a place to bank; we’re a resource for information that can help you make informed financial decisions in your day-to-day life. That’s why we’ve created new segments for our video series, Executive Insights, where the leaders of Delta Community delve into topics that are top of mind for savvy consumers.

This month, Bates, Managing Director of Delta Community Retirement & Investment Services speaks about the value of having professional guidance during major life events, ways financial planning has evolved over the years, and whether a 401k is enough for workers to rely on. Don’t miss these information-packed sessions with Delta Community’s executive leaders!

Love to Learn Youth Contest

Delta Community Love to Learn Contest

Our Sandy Savers and Cool Cash Kids are headed back to school! We strive to make learning about savings fun for kids of all ages, and the Delta Community Love to Learn Contest is a great way to start. Your child can share with us what they most look forward to learning this school year with a photo, drawing, poem, video or another creative way, and we’ll select 10 winners to receive a $100 deposit to their Youth Savings Account. To enter the contest, complete and return the contest entry form and creative entry for your saver(s) by August 31, 2023.

Get Rewarded with Our Visa® Platinum Rewards Card

two men sitting on couch on laptop

Enjoy the spending power of a Delta Community Visa Platinum Rewards Credit Card with no annual fee and a wide array of rewards to choose from! You’ll be automatically enrolled in our Reward Points Program with this card earning 1 point for each $1 spent on eligible purchases. As an added benefit, you can receive up to 10,000 Reward Points when you spend $2,500 in the first 90 days.You can also earn 1.5% Cash Backon Balance Transfers with no transfer fee.

To get started, log in to Online Banking or our Mobile App and select Apply for a Loan or Credit Card, or call our Loan Consulting Group at 844-544-9478. You may also have a personalized offer waiting for you, which you can check in Online Banking by clicking the Offers tab or in our Mobile App by selecting More and then Offers.

Build Your Career at Delta Community

Delta Community employees

Want to start your career at one of Atlanta’s Best Places to Work? Join the Delta Community team! We are regularly hiring for a variety of positions, including opportunities in our Member Care Center located in Vinings, as well as in our branch locations around metro Atlanta. You can apply online directly through your mobile phone or tablet in just minutes. Learn more about our current openings and apply today!

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.

Our August series will focus on Retirement. We’ll discuss the joys and challenges of retirement, what factors to consider when you’re planning to retire, how to maximize Social Security benefits, and how to be prepared for healthcare in retirement. 

  • August 8: Safeguarding Kids’ Identities and Online Privacy | Live Webinar by BALANCE
  • August 9: Retirement Readiness Part 1: What Everyone Needs to Know | Live Webinar
  • August 16: Retirement Readiness Part 2: Social Security | Live Webinar
  • August 17: Safeguarding Kids’ Identities and Online Privacy | Live Webinar by BALANCE
  • August 22: Retirement Readiness Part 3: Healthcare in Retirement | Live Webinar

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

Monthly Blogs

  • Five Actions to Protect Yourself Online: It’s essential to always be mindful of your online safety, whether you are on a computer, tablet, or cellphone. Scammers, infected and fake websites, phishing emails, predatory text messages—these are just some of the internet and cellphone threats that are always lurking to take advantage of unwary victims.
  • A Few Smart Money Tips for Your 20s: Smart money management is important throughout one’s life. While someone in their 50s may have several decades of financial knowledge, people in their 20s starting out with their careers might not have had been exposed to any information or training that’s prepared them for greater financial responsibility. Making money plans and saving and investing when you’re young can have benefits for the rest of your life.

Financial Status

As of June 30, 2023

  • Assets: $8.9B
  • Deposits: $7.7B
  • Loans: $5.7B
  • Members: 490,294

Holiday Closing

Labor Day

Monday, September 4

Contact Us

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


1. The 10,000 Reward Points will be awarded if you spend a net total of $2,500 in signature-based purchase transactions (without the use of a PIN) minus return transactions within 90 days of account opening. Balance transfers and cash advances do not count toward spend requirement. To qualify, purchases must post within 90 days of account opening. You will not qualify for this offer if you are in default of your Delta Community Visa Consumer Credit Card Agreement. To receive points, 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.

2. The minimum Balance Transfer amount is $500. This offer is valid for balance transfers on new credit card accounts within 90 days following account opening. Balance Transfers from loans or credit cards held at Delta Community do not qualify for this Cash Rebate. You will not qualify for this offer if you are in default of your Delta Community Visa Consumer Credit Card Agreement. The Cash Rebate will be calculated as 1.5% of the balance(s) transferred and will be credited to your Primary Savings Account after the balance(s) transferred has revolved for two consecutive billing cycles. See the Visa Credit Card Balance Transfer tool within Online Banking for additional Terms & Conditions.