Delta Community Insights

May 2024

Know the Road You're On

young woman in car

Delta Community is offering members low rates on New and Used Car and Vehicle Loans through May 31. Well-qualified borrowers with excellent credit can get rates as low as 4.99% APR on New and Used Car Loans and as low as 6.79% APR on loans for boats, motorcycles, RVs and more!To apply now, log in to Online Banking or our Mobile App and select Apply for a Loan, or call our Loan Consultant Group at 844-544-9478.

Refer Your Friends and Earn a Double Bonus

three friends smiling and looking at phone in cafe

Don't miss out on our limited-time double bonus Refer-A-Friend offer. When you refer friends, family and eligible coworkers to Delta Community, they can enjoy all the benefits of credit union membership that you know and love.2 As a bonus, you'll receive $100 for each qualified referral through June 30. Plus, your referred friends and family can receive a $50 bonus when they join.3

Here's how to take advantage of this limited-time bonus:

  • Visit to get your personal referral link.
  • Share your referral link with eligible friends via text, email or social media.
  • Get $100 for each friend who opens a Checking Account and meets a few simple requirements.

Don't wait any longer! Head over to to share all the great benefits of being a Delta Community member and start earning some extra cash today!

Time to Make Your Move

couple sitting on porch at home

Members looking to buy their first home, upgrade or refinance can make the experience easy and affordable with a variety of Delta Community Home Loans.4 Our experienced team of Home Loan Specialists are ready to guide you toward the very best home solutions and quickly answer any questions from the application process all the way through to closing on your home. Apply through May 31, 2024 and receive $1,000 off closing costs on Fixed and Adjustable-Rate Home Loans.5

For more information, or to apply, visit, call 866-963-7811 Option 1, email or schedule an appointment with a Home Loan Specialist today.

2024 Scholarship Winners Announced

Delta Community scholarship recipients

We recently announced the 2024 recipients of our annual Scholarship Program! Now in its 19th year, the program awarded a total of $25,000 to the following five students based on academic achievement, community service and submission of an essay.

  • Gargi Telang, a senior at Pope High School in Marietta, Georgia, will be attending the Georgia Institute of Technology to major in Mechanical Engineering with a focus on sustainability.
  • Jalen Johnson is a senior at Westlake High School in Atlanta, Georgia. He will be attending Georgia State University and majoring in Chemistry and Physics. His career plans are to chemically redevelop opioids to remove the addictive side effects while maintaining pain relief.
  • Joshua Zyzak, a senior at Beechwood High School in Lakeside Park, Kentucky, will be attending Harvard University with plans to major in Mechanical Engineering. His career goal is to use autonomous systems-related research to innovate food sustainability/supply chains.
  • Maximus Stetter, a senior at Dunwoody High School in Dunwoody, Georgia, will be attending the University of Georgia and majoring in Mechanical Engineering. He aspires to be a Marine Corps or Navy Officer and fighter pilot, and/or a commercial pilot.
  • Simone Walker is a senior at Dutchtown High School in Hampton, Georgia, and will be attending Spelman College to study Biology. Her career goal is to become a pediatric dentist so she can help children grow up to have beautiful smiles.

For more information about each of these exceptional students and additional program details, visit

Philanthropic Fund Grants Awarded for April

Delta Community philanthropic recipients

We recently presented four more grants from our 2024 Philanthropic Fund, totaling $30,000 to the following organizations:

Kidz2Leaders (pictured) provides no-cost, long-term programs for children with incarcerated parents beginning at age eight and continuing through young adulthood. They received a grant of $5,000 which will allow the organization to expand its program. Kidz2Leaders serves children of inmates in more than 20 counties around Atlanta, primarily in Cobb, Gwinnett, Fulton and DeKalb counties.

Wellroot Family Services received $10,000 to go towards their Healthy Families program, which supports new moms and babies. The program focuses on the well-being of low-income mothers and babies through a home visiting program to ensure they have the resources needed to create a stable home.

Global Growers Network was awarded a $7,500 grant to help provide financial literacy to growers in its Experiential Commercial Farmer Training Program. People in the program are growers aiming to start a small-scale agricultural business, and they are provided access to financial education, business management training, agricultural training and capital resources.

ArtsBridge Foundation received $7,500 for its 2023-2024 ArtsBridge Field Trip Subsidy Program. The Financial Aid Subsidy Program provides reduced cost or free tickets for arts-related educational experiences to those identified as Title I or underserved, and also reimburses round-trip transportation costs for Title I schools that have difficulty affording the cost.

The Delta Community Philanthropic Fund will invest a total of $150,000 throughout 2024 to 20 metro Atlanta non-profit organizations that support the physical and financial needs of people who live within the communities we serve.

Positively Impact a Child’s Life with Zelle® and Bill Pay

doctor and patient

Looking for a way to make a difference in a child’s life? Delta Community is working with Children’s Healthcare of Atlanta (CHOA)6 giving our members an opportunity to help one of Atlanta’s best hospitals. When you make a qualifying Zelle® or Bill Pay transaction now through June 30, $1 will be donated to CHOA, where doctors, nurses and staff are trained to care for children under the age of 21.

Qualifying transactions include adding and paying a new biller, activating a new eBill, setting up an automatic payment and sending $5 or more to a new person using Zelle®. Experience the convenience of Zelle® and Bill Pay and help Children’s Healthcare of Atlanta today.

Activate Your Bonus Rewards

coouple dining at restaraunt

Each quarter, we offer an opportunity for members who have our Visa® Platinum Rewards Credit Card to earn Bonus Reward Points for purchases in select categories from restaurants to retail.

If you’re a Platinum Rewards Credit Card holder, be sure to enroll each quarter to earn 2x or 3x the Reward Points on the purchases you make every day. Activate bonus categories now through June 30 to earn 3x Reward Points for eligible purchases at Restaurants and Fast FoodWholesale Clubs, Discount and Department Stores, 2x Reward Points for eligible purchases at Gas Stations and Grocery Stores, and 1x Reward Points for every $1 spent on eligible purchases in categories outside the bonus categories.

To activate, log in to your account and select Reward Points under the Additional Services tab or More in our Mobile App. Then select the Enroll Visa Platinum Rewards Credit Card for current quarter’s Bonus Rewards link. When you’re ready to redeem your points, you can choose from a wide variety of Cash Back, Gift Cards, Merchandise and Travel with no blackout dates.

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 May workshop series will focus on Buying and Owning a Home. We’ll discuss steps for buying your first home, what costs to expect with homeownership, what to consider before refinancing or using home equity and how to financially prepare for selling your home, along with insights into understanding your credit report.  

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

Monthly Blogs

  • Be Suspicious of Malicious Apps for Your Mobile Devices: One type of attack by fraudsters is creating mobile phone (and tablet computer) software applications (“apps”) that are either entirely malicious or secretly harmful to the user’s phone, allowing the phone to be hijacked by scammers. These malicious apps—also called malware—can look perfectly helpful and authentic, but looks can be quite misleading. Read this blog for tips on identifying and avoiding malicious apps.
  • Why You Should Consider Retaining Some Tax Documents After Your Taxes are Filed: All your taxes are completed and filed and everything seems in order. Why would you want to keep this or previous years’ tax forms and any related documents? Read our latest blog to find out.

Financial Status

As of March 31, 2024

  • Assets: $8.6B
  • Deposits: $7.6B
  • Loans: $5.6B
  • Members: 504,860

Holiday Closing

Memorial Day, Closed

Monday, May 27

Contact Us

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


1. Rates expressed as Annual Percentage Rate (APR). Rates are based on creditworthiness and term of loan. This offer is for new and used cars and vehicles. Income verification may be required. APR available April – May 31, 2024.

2. You can earn up to $500 per calendar year. Referrer must be Primary Accountholder with Delta Community. Bonuses earned through this promotion are subject to IRS reporting. Refer-A-Friend bonus cannot be combined with other promotions and is not valid for previous offers or orders. The person you refer must be at least 13 years old to participate in the program. Bonus payments are made within 60 days of program requirements being met. Referrals made during the special offer period of May 1-June 30, 2024 (“Special Offer Period”) will receive a $100 bonus if the applicant opens a Membership/Savings Account during the Special Offer Period and meets other criteria to earn bonus as described herein.

3. Applicant must be at least 13 years old, eligible and qualify for membership. To obtain the $50 bonus applicant must (1) Become a member of Delta Community Credit Union by opening a consumer Savings Account with a minimum of $5. Refer-A-Friend Promotion Code must be applied online or in a branch at account opening. Offer not valid if not redeemed by one of these two methods; (2) open any consumer Checking Account within 90 days of opening membership; and (3) deposit $50 to Checking Account and make a minimum of 10 (ten) Visa® Debit Card purchases which post and clear the account within 60 days of Checking Account opening. ATM transactions will not be considered for bonus. To receive bonus, 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. Bonuses earned through this promotion are subject to IRS reporting. The Annual Percentage Yield (APY) for Savings is 0.25% as of April 1, 2024. The APY for Interest Checking is 0.10% as of April 1, 2024. Rates are subject to change. Free Checking and SpendSafe Checking do not pay dividends. The bonus will be deposited to the Checking Account within 60 days after deposit and transaction requirements are met. Offer is valid for first-time Delta Community members only and cannot be combined with other offers. Offer may only be redeemed once per member. See full program terms at for additional information.

4. We will lend within our lending footprint. Qualification restrictions apply.

5. Receive $1,000 off closing costs when you close a First Mortgage Home Loan. Offer valid for applications submitted April 1, 2024 through May 31, 2024. The offer will be reflected as a lender-paid credit on the closing documents. Offer not valid on Home Equity Loans, Home Equity Lines of Credit or Lot/Land Loans.

6. 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®.cations submitted April 1, 2024 through May 31, 2024. The offer will be reflected as a lender-paid credit on the closing documents. Offer not valid on Home Equity Loans, Home Equity Lines of Credit or Lot/Land Loans.