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Celebrating 85 Years! Left: Credit Union employees in 1946. Right: CEO Hank Halter with WXIA-TV’s Atlanta & Company host Cara Kneer.
Dear Members,
This month, we proudly celebrate Delta Community Credit Union’s 85th anniversary, a milestone made possible by you—our valued members. Since our founding in 1940, we have focused on delivering exceptional service, superior value and trustworthy advice on the essential banking and lending services every household needs.
Delta Community was originally established by eight Delta Air Linesemployees who wanted to ensure their co-workers and neighbors had access to fairly priced credit. They purposely organized as a credit union given the not-for-profit, cooperative structure of the charter. Their purpose and principles continue to guide everything we do.
Over the decades, Delta Community has grown into Georgia’s largest credit union, now with more than $8.7 billion in assets and serving more than 513,000 members. We operate 32 branches—with two additional locations opening soon in Conyers and Locust Grove—and employ a team of 1,350 professionals dedicated to serving you. As the 37th largest credit union in the United States, we are proud to offer membership to those who live or work in 16 metro Atlanta counties or are employed by one of more than 140 businesses.
Unlike for-profit banks and credit card companies, credit unions focus solely on providing return to their member-owners, not institutional or private investors. While credit unions pay many federal, state and local taxes, we are not subject to federal income tax since our earnings are retained and leveraged for the benefit of our membership as a whole. We reinvest earnings by offering lower loan rates, higher savings yields and reduced fees. In point of fact, Delta Community members save thousands of dollars over the life of their loans and benefit from our consistently competitive deposit rates. Delta Community also allocates two percent of annual earnings to fund youth development, college scholarships and financial education programming in our local communities.
As Congress considers cost reductions, spending limitations, tax reform and other broad fiscal policy changes this year, the traditional, for-profit banking industry is likely to lobby for elimination or new restrictions on our long-standing federal income tax exemption. Such a change would fundamentally alter how credit unions operate, jeopardizing our ability to offer the financial benefits and community investments that set us apart. Elimination of this exemption would adversely impact more than 140 million consumers who rely on credit union services today to manage their personal finances.
To protect the credit union charter, Delta Community actively participates in advocacy efforts at both the state and federal levels. In addition, we believe educating our members and the community about the credit union difference is essential. I recently spoke with Cara Kneer from Atlanta & Company about Delta Community, and I invite you to tune in to the segment airing at noon (ET) on Wednesday, March 5 on WXIA-TV—just ahead of Delta Community’s milestone anniversary date on March 8.
We remain as committed as ever to serving our members and strengthening our community. With your continued support, we will reach our 100th anniversary and beyond. Thank you for the trust you place in us.
Sincerely,
Hank Halter
Chief Executive Officer
Youth and Teens Savings Match
Helping kids and teens build good savings habits is easier when they have a little boost to get started! This spring, Delta Community is bringing back our Youth & Teen Savings Match promotion.1
When kids and teens 19 and under open a new Savings Account between March 1 and April 30, 2025, Delta Community will match their deposits up to $100! It’s a great way to jumpstart their financial future.
Have a child, grandchild, sibling, niece, nephew or cousin? They may be eligible for a Delta Community Savings Account! To participate, open a new Youth or Teen Savings Account between March 1 and April 30, 2025, and start making deposits. Delta Community will match deposits made in the first two weeks—up to $100—with the bonus deposited within 60 days.
Our first HBCU Scholarship entry period of 2025 is now open and will run through April 30. We’ll award $25,000 in scholarships to five deserving students of historically Black colleges and universities (HBCUs). 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. This contest period, Delta Community will select three winners to each win a $5,000 award from among the most compelling submissions.
Boost Your Retirement Savings: Max Out Your IRA Before the Deadline
Maximizing your Individual Retirement Account (IRA) contributions is a smart move for securing your financial future. With tax season in full swing, now is the perfect time to ensure you're taking full advantage of your IRA’s benefits.
Contributing the maximum amount to your IRA offers valuable tax advantages. Whether making prior-year or current-year contributions, you may be able to deduct2 eligible amounts from your taxable income, allowing your savings to grow tax-deferred until retirement. Additionally, maximizing your contributions helps you harness the power of compounding growth, increasing the long-term potential of your savings.
For the 2024 tax year, the contribution deadline is April 15, 2025. The IRS limits for 2024 and 2025 allow contributions of up to $7,000 for individuals under age 50 and $8,000 for those 50 and older.
If you’re a Delta Community IRA owner, you can conveniently make both prior-year and current-year contributions using Online Banking. Don’t miss out on this opportunity—act now to take full advantage of your IRA benefits before the deadline!
Philanthropic Fund Grants Awarded in February
We recently presented four grants from our 2025 Philanthropic Fund, totaling $32,500 to the following organizations:
BlazeSports America, pictured, received $5,000 for their adaptive sport programs which empower youth with physical disabilities through comprehensive, year-round multi-sport offerings like wheelchair basketball, swimming, track and field and tennis. Their mission is to change the lives of individuals with physical disabilities through increased access to adaptive sports and recreation.
Aurora Day Camp received $7,500 for their HOPE Child Savings Account (CSA) & Financial Wellness Education program. The grant will fund their Support for Children with Cancer and their Siblings Program. Aurora Day Camp is a response for families dealing with these devastating medical crises. The organization brings hope, strength and joy to children with cancer and their siblings in greater Atlanta.
Silence the Shame, Inc. received $10,000 for their Youth Mental Wellness COPE Clinic. This grant will increase mental health awareness and knowledge among young people. In addition, the grant will help to enhance vocational and stress management skills and foster leadership and advocacy among young people and caregivers. Their mission is to empower and educate communities about mental health and wellness.
Atlanta Court Appointed Special Advocates (CASA), Inc. received $10,000 for their Volunteer Recruitment, Retention and Engagement Program. This grant will help to invest in 30 new volunteers who must satisfy the required 40-hour pre-service training and engage current volunteers in the required 12-hours per year continuous learning and development opportunities. This ensures they are equipped with the latest skills and knowledge to effectively advocate for children in challenging circumstances.
The Delta Community Philanthropic Fund will invest a total of $150,000 throughout 2025 to 20 metro Atlanta non-profit organizations that support the physical and financial needs of people who live within the communities we serve.
Maximize Your Potential this Bonus and Refund Season
It’s that time of year to make plans for your annual bonus, tax refund or other extra cash you may have received. Saving is always a great option, and our Certificates of Deposit (CD) offer high yields to make your money grow faster. You can earn 4.05% APY on a 12-month CD and 3.35% APY on a 24-month CD, and it’s one of the safest ways to invest. 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 call us at 800-544-3328. Make sure to check our website for the most up-to-date rates and details.
Turn Plans Into Reality with a Delta Community Personal Loan
If you can think of it, a Delta Community Personal Loan can help make it happen. Consolidating post-holiday debt3 may be a priority right now—or it could be time to start a new home improvement project. A Personal Loan can deliver a lump sum of money quickly, for whatever you have planned.
The benefits of a Personal Loan go beyond having extra cash. They include a super-fast approval process and quick access to your funds—all from a lender you can trust. Log in to Online Banking or our Mobile App to apply, or call our Loan Consultants at 844-544-9478 today!
Delta Community Branch of the Year
We’re thrilled to congratulate our Canton Branch on being named Delta Community’s 2024 Branch of the Year! For 16 years, this dedicated team has provided outstanding service to Canton and the surrounding communities from inside the Hickory Flat Kroger.
This prestigious award recognizes excellence in member service, community engagement and overall performance. We’re happy to celebrate their hard work and well-deserved recognition—way to go, Canton Branch!
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.
Join us for our March workshop series, Investing with Confidence. We’ll cover the importance of investing, different types of investment accounts, the building blocks that form basic investment principles, real-world financial situations and the importance of a personalized investment roadmap. These presentations are stand-alone portions of a three-part series. It is not necessary to attend all presentations.
Check our Events & Seminars page for more information on upcoming seminars.
Monthly Blogs
4 Money Resolutions Now—That Could Help for Years: Managing money is an essential activity that for some is enjoyable but a chore for others. Certain individuals may want to automate common financial actions such as contributions to retirement and investment accounts or withdrawals from savings or checking accounts; they may also be able to leave some of their decisions to a financial or investment advisor. Read our blog for money resolutions.
Your 2024 Tax Documents are Ready to Download: It’s March and the 2025 income tax season is in full swing, which means that Delta Community members may now access their 2024 federal tax documents in Online Banking and the Mobile App with Online Statements.
Member Care: 800-544-3328
Home Loans: 866-963-7811 Locations
EVERYTHING YOUR BANK SHOULD BE™
1. Offer valid only for first-time Savings Accounts opened between March 1, 2025 and April 30, 2025 by members aged 0 through 19 at the time of account opening. Delta Community will match (a “Bonus Match”) the lesser of (1) total aggregate Savings deposits made within the first 14 days after account opening (the “Funding Period”), (2) the available balance of the Savings Account at the time of bonus fulfillment or (3) $100. The Bonus Match will be deposited into the Savings Account within 60 days of the new Savings Account Funding Period ending. A $5 minimum deposit is required for Delta Community membership, which will be included in the total aggregate deposits. To receive the Bonus Match, applicant must be eligible and qualify for membership and the account must be in good standing with deposit balances above zero, any applicable loan payments current and all accounts in compliance with any other terms, conditions and governing requirements until bonus fulfillment. An adult joint account owner is required for applicants under 18 years old. Offer can only be redeemed once per member and cannot be combined with other offers. Bonuses earned through this promotion are subject to IRS reporting. The Annual Percentage Yield for Savings is 0.25% as of March 1, 2025. Rates are subject to change. Fees may reduce earnings on account.
2. Consult a qualified tax professional for personalized advice tailored to your financial situation.
3. For debt consolidation, even with a lower interest rate or lower monthly payment, paying debt over a longer period of time may result in the payment of more in interest.
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EHL
Equal Housing Lender
NCUA
National Credit Union Administration, a U.S. Government Agency
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
