As of February 1, 2023, Carvana no longer offers a special referral rate discounts on car buying services to Delta Community members. However, Delta Community is committed to providing money-saving benefits and options to our members through our competitive rates on loans and related products to those looking to purchase a new or used vehicle.

How to apply for a loan.

Do I need additional accident insurance when renting a car with my Delta Community Visa?

Benefit Eliminated on Consumer Credit Cards: February 1, 2021

Business Credit Cards are still eligible for this benefit.

All cars rented with your Delta Community Visa Credit Card automatically have Auto Rental Collision Damage Waiver (ARCDW) coverage as secondary, as long as you decline the collision coverage at the time of rental from the car rental company. The ARCDW coverage reimburses cardholders for the repair or replacement of a damaged rental vehicle due to collision, theft, or other physical damages up to the actual cash value of most rental cars. The program covers rentals up to 15 days within the United States and 31 days outside the United States.

• The ARCDW is supplemental/secondary and will only cover loss in excess of any other insurance coverage(s) available from the cardholder.
• The ARCDW coverage is supplemental/secondary if a cardholder rents a vehicle within their country of residence.
• The ARCDW coverage is primary if a cardholder rents a vehicle outside their country of residence.
• Theft or damage from car rental transactions that originates in Israel, Jamaica, the Republic of Ireland or Northern Ireland are not covered.

A claim should be filed under the Auto Rental Collision Damage Waiver (ARCDW) only when you have filed with any personal insurance policy you have available.

For more details and claim information go to www.Visa.com/eclaims, call 866-390-9735 or email at eclaimsline@eclaimsline.com

*The Primary Loss Damage Waiver (LDW) coverage is no longer available.

What happens if I can't afford to pay for my car and want to surrender it in a non-bankruptcy account?

We would encourage you to try to sell the car on your own. When sold at auction, the recovery is usually minimal, and based on the condition of the vehicle, will sell at approximately 50% of the value (values are less if there is body damage, mechanical issues, or high mileage). Please keep in mind that you are responsible for any deficiency balance remaining on the car loan following liquidation of the vehicle. Once the car is sold at auction, the deficiency balance is charged off on the day the sale proceeds are applied to the loan. The loan will report to the credit bureaus as “Charged Off” for 7 years unless the balance is repaid or discharged in bankruptcy. Contact a Recovery Services Representative for a location near you to surrender your vehicle. Submit a message within Online Banking from Contact Us under Additional Services or call the Recovery Services Department at 404-677-8626, option 6.

Does running a credit check for an insurance quote affect my credit rating?

While credit checks made by an insurance carrier will appear on the credit report, they are clearly identified as insurance inquiries.

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, sent by mail to: Delta Community Credit Union, Attn Titles, PO Box 20541, Atlanta, GA 30320-2541 or emailed to titles@deltacommunitycu.com. 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.