You'll Love These Great CD Rates

Delta Community has increased our Certificate of Deposit (CD) rates to the highest they’ve been in years. Opening a new CD is one of the safest ways to invest in the future, and it’s easy! A CD is 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’re here to help guide you with the exceptional service you want and the attention you deserve.

To take advantage of these great rates, open a new CD before March 31, 2023. 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 call us at 800-544-3328.

HBCU Scholarship Application Period Open

Delta Community will award $20,000 in scholarships throughout 2023 to students of Historically Black Colleges and Universities (HBCUs). Our first HBCU Scholarship entry period is now open and will run through April 30. 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 win a $5,000. Visit DeltaCommunityCU.com/HBCU for more information and to apply!

Earn Up to $100 With a New Youth Savings Account

We’re excited to announce the Delta Community Youth Savings Account deposit match promotion is back! This special limited-time offer is open now through April 30. Open a new Youth Savings Account and we'll match the opening deposit up to $100. Youth Savings Accounts are available to children ages 0 to 12 years old—this includes your child, grandchild, niece, nephew or cousin. Your kids are eligible even if they do not reside in Georgia! A Delta Community Youth Savings Account is the perfect opportunity to help your child get started on a lifetime of saving.

Youth accounts can be opened by sending your completed application via the secure messaging feature available in the Delta Community Mobile App or Online Banking. You can also mail or fax a completed Youth Savings Account application as noted on the document, or simply bring it to your nearest Delta Community branch location. Open a Youth Savings Account today before this special deposit match ends on April 30! To learn more, visit DeltaCommunityCU.com/YouthMatch.

Philanthropic Fund Grants Awarded in February

We recently presented the first four grants from our 2023 Philanthropic Fund, totaling $35,000 to the following organizations:

Breakthrough Atlanta (pictured) received $10,000 to support 7th through 12th grade students on their path to college and Breakthrough's incorporation of financial literacy work in all stages of its programming. The organization is dedicated to increasing opportunities for underserved students while inspiring and developing future educators.

Communities in Schools of Atlanta received $10,000 for their dropout prevention organization that partners with underperforming schools in economically challenged areas. The grant will help provide wraparound services and intensive case management to nearly 2,800 students, and support the organization’s College and Career Readiness program.

Big Brothers Big Sisters of Metro Atlanta received $10,000 to help with their mission of one-to-one mentoring relationships for local youth. The grant will go towards the organization’s “Big Futures” curriculum, which emphasizes college and career exploration for middle and high school students.

Mental Fitness 21^st Century Learning, an organization which engages students and families through STEAM learning. received $5,000. The grant will support its STEAM Academy, which enrolls many students who lack access to quality, affordable afterschool programs, and provides them with a curriculum that includes drones, robotics and educational software.

The Delta Community Philanthropic Fund will invest a total of $150,000 throughout 2023 to 20 metro Atlanta non-profit organizations that support the physical and financial needs of people who live within the communities we serve.

Max Out Your IRA Before April 18

Maxing out your Individual Retirement Account (IRA) is an important step towards building savings for the future. With tax season upon us, now is the perfect time to consider making additional contributions to your IRA.

Maxing out an IRA offers great tax benefits. The amount that you contribute may be deductible from your taxable income, meaning your savings can grow, tax-deferred, until you withdraw from the account in retirement. Another advantage of maximizing your contribution is the benefit of compounding growth. The combination of a maximum contribution and dividends can generate growth of your savings, allowing the account to reach its full earning potential. This is an easy way to get higher returns on your IRA and plan wisely for retirement.

The deadline to contribute to an IRA for the 2022 tax year is April 18, 2023, so there is still time to make a tax-deferred contribution. The maximum amount you may contribute for 2022 is $6,000 for individuals under age 50, and $7,000 for those over 50.

Delta Community Leader Honored in Corporate Citizenship Awards

Jai Rogers, Vice President of Business and Community Development at Delta Community, was recently honored by the Atlanta Business Chronicle with the Corporate Citizenship Award. The award highlights people who have embraced corporate social responsibility in their business strategies. Jai was recognized in the Top Practitioner category, awarded to individuals who have gone above and beyond to grow their organization’s impact in metro Atlanta through social responsibility, sustainability and philanthropy. Delta Community is committed to investing in the communities we serve and Jai has helped lead that effort by overseeing the annual investment of more than $925,000 in local charitable, civic and chamber organizations support programs that help improve the education and financial health and well-being of young people and their families. “I am honored to receive this award on behalf of my team and Delta Community,” Jai said. “When companies take care of the communities that help them succeed, it is a win-win situation for everyone involved.” Congratulations, Jai!

Share and Save Youth Challenge Winners

During the holidays, we invited our youngest members to participate in our “Share and Save” challenge for a chance to win some cash for their Youth Savings Accounts. Kids were asked to share their family’s favorite holiday traditions in creative ways like drawings, stories or videos. Congratulations to Royal B., Xola H., Austin B., Curtis P. (pictured here with his parents), Makena H., Mollie C., Motasim A., Morghan T., Katalyn J. and Everett L., who were all awarded $100 for their creations! To see their submissions, visit our Facebook page. Thank you to all those who participated!

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 workshop series for March will focus on Credit & Borrowing. We’ll discuss how to understand credit reports, strategies for improving credit scores, the proper use of credit cards, and how to make wise decisions when borrowing money.

• March 7: 101: Understanding Credit Reports | Live Webinar
• March 9: 201: Ways to Improve Credit | Live Webinar
• March 14: Understanding Credit | Live Webinar by BALANCE
• March 15: 301: Borrowing Wisely | Live Webinar
• March 21: Using Credit Cards Wisely | Live Webinar
• March 23: Understanding Credit | Live Webinar by BALANCE

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

Monthly Blogs

• Resources for Getting the Car You Want: The car search process can be made considerably faster and easier with a variety of online tools or services that may speed up the process. A number of these services provide detailed information on car features, prices, the condition of used cars, and act as a database for inventories of vehicles held by car dealers and other sellers. Different services provide different benefits, and it’s important to understand what they offer and for what cost.
• Hang Up on Imposter Scams—Part 1: Imposter scams seem to never stop, and no one is immune to being victimized by them. But you can know more about imposter scams—how they operate, what are some of the imposter scam variations, and actions you can take if you’re contacted by a fraudster posing as someone else.
• What to Do with a Financial Windfall: Suppose that unexpectedly you find yourself with a financial windfall; a surprise (and perhaps surprisingly large) amount of money that you weren’t aware was coming to you. The money could be an inheritance, a lottery win, a payment from the settlement of a lawsuit, a prize from a contest, a gift from a relative, the result of the sale of possessions or investments—or it could originate from some other situation. Regardless of its origin, if you suddenly have a new, sizable chunk of money, then you now have decisions on what to do with it.