Delta Community Insights

Delta Community Insights for October 2021

Get Out There with a Delta Community Car or Vehicle Loan 

Young woman sitting on bed of truck

It’s the journey that matters, and we can help you get there with a Delta Community Car or Vehicle Loan. During the months of October and November, we will offer well-qualified borrowers with excellent credit Car Loans starting as low as 1.78% APR1 and Recreational Vehicle Loans as low as 3.98% APR.2 As an added bonus, members who finance with us and purchase a car through Carvana will receive an extra .25% off their already low rates! To learn more or 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.

Give Back Giveaway: Last Chance to Win $10,000 for Your School

give back giveaway logo

The fifth annual $10,000 Give Back Giveaway with Jenn Hobby and Star 94 is accepting applicants through October 29! The contest invites metro Atlanta students to organize a service project with their classmates to bring hope, joy and positive change to their communities.

Projects from five schools will be selected for awards as follows: three finalists will receive $1,000 each, one runner-up will receive $2,000 and one grand prize winner will receive $10,000. Organizations can use the prize money to help with virtual learning, books, school supplies or whatever else they need.  Listen to Star 94 for all of the details and learn more about last year’s winner!

HBCU Scholarship Presented to Spelman College Student

HBCU Scholarship recipient Leslie Cox

In September, Delta Community and Atlanta radio station V-103 awarded our third HBCU Scholarship of 2021 to Leslie Cox, a junior at Spelman College.

Leslie is pursuing a degree in Political Science, with a minor in Public Health, and plans to pursue Civil Rights Law. In addition to excelling academically, she is very active on her campus and committed to serving her community. She is a member of the National Society of Leadership and Success and participates in Spelman’s Student Success Peer Lead Program, where she serves as a student advisor and hosts study sessions and academic support groups for freshman. As a member of SpelREADS, she helps elementary school students improve their reading comprehension. Leslie is also involved in Spelman’s NAACP Chapter and helps execute voter education and outreach initiatives.

Throughout 2021, we will award a total of $10,000 in scholarships to students attending Historically Black Colleges and Universities in the state of Georgia. We will begin accepting nominations for our fourth quarter HBCU Scholarship on October 4. If you know an exceptional student currently attending a Georgia HBCU or a graduating high school senior who has received an official acceptance letter to one, tell us why they deserve to receive a $2,500 scholarship. We will select a winner from among the most compelling submissions. The HBCU Scholarship is part of our Annual Scholarship Program. Visit our website to learn more about all of the scholarships that we offer.

Delta Community's Pay and Get Paid $1,000 Sweepstakes

woman and child using electronic devices

Making payments could really pay off! Each time you make a qualified transaction with Delta Community’s Bill Pay or send a payment with Zelle® through October 31, you’ll be entered for a chance to win the Delta Community 2021 Pay and Get Paid $1,000 Sweepstakes!3 Qualifying transactions include adding and paying a new biller ($10 minimum payment required), activating a new eBill,setting up an automatic payment5 and sending $5 or more to anyone using Zelle.6 Don’t miss your chance to win $1,000. Use Bill Pay and Zelle today!

Philanthropic Fund Grants Awarded in September 

Philanthropic Fund recipients

We recently presented two more grants from our 2021 Philanthropic Fund, totaling $10,000 to the organizations listed below:

  • Good Shepherd Clinic, pictured left, received a grant of $7,500 to go towards their mission of providing free ––primary medical care to uninsured residents of Clayton County who have limited financial resources. The clinic offers patients free access to medical professionals, laboratory and EKG services, assistance with pharmaceutical needs and health education classes.
  • Together Friends Organization, pictured right, was awarded $2,500 for their School-Based Program to aid middle school students in discovering STEAM and entrepreneurial career opportunities. They will use their funds to cover the cost of materials and help fund the cost of training and development for staff, teachers and volunteers.

The Delta Community Philanthropic Fund will invest a total of $125,000 throughout 2021 in 20 metro Atlanta non-profit organizations that support the physical and financial needs of people who live within the communities we serve.

Activate This Quarter's Bonus Rewards

Woman shopping in bookstore

Each quarter, we offer an opportunity for participating Credit Cards to earn Bonus Reward Points for purchases in select categories from restaurants to retail. Be sure to enroll each quarter to earn 2x or 3x the Reward Points on the purchases you make every day. Activate bonus categories for October through December to earn:

  • 3x Reward Points for eligible purchases at Wholesale Clubs, Retail, Discount, Book and Department Stores
  • 2x Reward Points for eligible purchases at Gas Stations and Grocery Stores
  • 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. Click the link to enroll for the current quarter or an upcoming quarter. 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.

Stoked for School Contest Winners 

Stoked for School contest winners

In August, we invited our youngest members to participate in our “Stoked for School” contest for a chance to win some cash for their Youth Savings Accounts! Kids were asked to get creative and tell or show us what they were most looking forward to this school year by way of a photo, drawing, poem, letter or collage. Congratulations to Ava S., Aylin I., Lillian D., Luke M., Mollie C., Hudson P., Everett L., Rydell W., Austin B. and Kori J., who were all awarded $100 for their creations! To view more of their submissions, visit our Facebook page. Thank you to all those who participated, and make sure to stay tuned for future youth challenges.

Delta Community Named Among Best Places to Work

Atlanta Business Chronicle Best Places to Work

For the seventh consecutive year, Delta Community Credit Union has been honored in the Atlanta Business Chronicle’s Best Places to Work in Atlanta Awards. We placed third among companies with more than 500 employees. We are proud of this recognition and want to thank all of our employees for their hard work and passion, and for providing superior service to our members every day.

If you’d like to build your career at a Best Place to Work, we’d love for you to 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 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 October series will focus on Security and Privacy. We’ll discuss how to safeguard your personal and financial information, ways to prevent identity theft, cybersecurity and online safety tips, and how to protect yourself or your loved ones from financial abuse as you age.

In addition, we will be hosting our semi-annual Teens & Money Night workshop to help teens prepare for their financial future, and featuring an on-demand webinar from BALANCE on protecting kids’ identity and online privacy.

  • October 5: Identity Theft Solutions Part 1: What You Need to Know | Live Webinar
  • October 14: Identity Theft Solutions Part 2: Cybersecurity | Live Webinar
  • October 20: Protecting Aging Adults from Financial Abuse | Live Webinar
  • October 28: Teens & Money Night | Live Webinar
  • All Month: Safeguarding Kids’ Identity and Online Privacy | On-Demand Webinar

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

Monthly Blogs

  • Only Scammers Get Paid with Gift Cards or Cryptocurrency: Crime is as old as civilization, and it’s always wise to be on the alert for anyone who may target you as a potential victim. Fraudsters may contact you randomly or target you specifically based on some personal information they have about you, such as an email address, phone number or the name of a company where you have an account. Here are some tips to help protect you from scammers.
  • Living Your Best Life…Insurance—Term vs. Perm: Basically, life insurance is a legal and financial contract—a policy—between an insurance policyholder (an individual or organization) and an insurer, which is usually an insurance company. In the contract, the policyholder pays money—known as the premium—either over time in installments or in a single payment to the insurer. In exchange for the premium, the insurer promises at a later time to pay a specific person (a designated beneficiary) a lump sum of money known as the death benefit upon the death of an insured person, which is often, but not always, the policyholder. Read our blog to learn more about life insurance options.

Financial Status

As of August 31, 2021

  • Assets: $8.7B
  • Deposits: $7.7B
  • Loans: $4.9B
  • Members: 454,426

Holiday Closing

Columbus Day
Monday, October 11

Contact Us

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


1Rates expressed as Annual Percentage Rate (APR) for well-qualified borrowers with excellent credit. Rates are based on creditworthiness and term of loan. APR available October 1 – November 30, 2021. Income verification may be required. Insured by NCUA.

2Services offered through Carvana are separate and distinct from any business conducted with Delta Community and are not guaranteed by or obligations of the Credit Union. Additional .25% APR discount is only available for Carvana car purchases made through December 31, 2021.

3 From September 1, 2021 – October 31, 2021 (“Sweepstakes Period”) (1) use Delta Community’s Bill Pay service to (a) add a new payee and make a payment to the payee, (b) activate a new eBill or (c) set up a new AutoPay or (2) use Zelle connected to your Delta Community account to make an external transfer of $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 2021 Pay and Get Paid $1,000 Sweepstakes! For complete contest rules and details visit
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 U.S. citizens at least eighteen (18) years of age who are either Delta Community Credit Union members as of August 30, 2021 or residents of the counties in Delta Community Credit Union’s field of membership. Residents of Florida are not eligible to enter this sweepstakes. Mail-in entries must be submitted on a 3x5 card to qualify for entry.

4 eBill is an electronic version of a paper bill sent directly to you when a new statement is made available. eBills are sent from a biller to your Delta Community Bill Pay account the same way a paper bill arrives to your home mailbox. Our Bill Pay allows you to view all your eBills—as well as account balances, transactions and statement information—in one convenient place. Also, for additional convenience, you can set up email notifications for when a new eBill arrives in your Bill Pay account. You can set up eBills for any payee that displays an active eBill link in the Bill Pay Payment Center. Just click eBill and follow the simple steps.
5 AutoPay is a means to set up repeating payments in Online Bill Pay. You can set up AutoPay for any company or person you pay regularly. You can set up and manage AutoPay and Reminders from the Payment Center. You can set up payments to be made based on a schedule that works best for you. You can change or stop AutoPay at any time.
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.