Money Under 30

Financial options for young adults.

Delta Community knows that as you get older, your financial needs change. So, we've made it easy for you by putting together the products, services and resources you need (or at least need to be thinking about) at each important stage in your life. From free Savings Accounts and Checking Accounts, 24/7 account access with Online Banking and our cool Mobile App, rewarding Credit Cards and flexible loans for cars, your first home or anything you may need, Delta Community is here to help.

• High School - you're probably still the number one customer at the Bank of Mom and Dad, but you still need the basics. Check out products like our free Savings Accounts and apply for our Scholarship Program if you’re close to graduation.
• College - we have the products and tools you need to help you avoid the financial traps that are so common when you get out on your own. From free Checking Accounts to our Visa Platinum Credit Card, we have your financial needs covered.
• Young Professionals - you may not feel like a grown up, but you should start acting like one (at least financially). Find out which products and services you need to play the part. Products like our investment and insurance options will help your money work harder.
• Life Starters - by now you're either on cruise control or totally in over your head (or both depending on the day). We've put together the products you know you need and some you may not have thought of. Start the next stage of your life with our First-Time Home Buyer Program and Car Loan options.

Resources

We’ve organized some of the best resources just for you as you consider life’s major financial decisions. Check out these links to the latest websites, apps and tips from experts around the nation.

Car Buying

• Auto Calculators - Free, easy to use calculators to help answer your car buying questions offered by Delta Community Credit Union.
• www.carvana.com - Want to get a great deal on a car without the hassle? Carvana will find the right car for you and your budget and you'll never have to step foot on a car lot!
• www.autotrader.com - Featuring more than 3 million vehicles, AutoTrader lets you research and compare new, certified and used cars by searching for body type, mileage, price and numerous other criteria.
• www.cars.com - Use this site to search 2.6 million new & used car listings or get a dealer quote. It also offers easy-to-use online tools that will put you a step ahead in your next vehicle purchase.
• www.edmunds.com - Check out new and used car listing in your area. Edmunds also provides reviews and other helpful tips and advice.
• www.kbb.com - Before buying or selling a car look up its Kelley Blue Book trade-in, private party, certified pre-owned and retail values.
• www.nadaguides.com - Get new and used car pricing, specs, ratings, reviews, videos, photos and much more.

Budgeting

• Cash Flow Calculators - Free, easy to use calculators to help answer your cash flow questions offered by Delta Community Credit Union.
• www.mint.com - Use Mint to manage your budget with easy to use personal finance tools and calculators. Also, track spending and monitor your online banking account. It's free to get started.
• www.daveramsey.com - Dave Ramsey is the host of a nationally syndicated radio program discussing personal finance topics. Check out the variety of tools on his site to keep your budget on track and focused.
• www.clarkhoward.com - Clark Howard is a popular talk radio host of a nationally syndicated consumer advice program. Visit the Personal Finance and Credit div of the site for helpful budgeting tips.
• Personal Financial Management Tool – FinanceWorks is conveniently located right in your Online Banking account. Use it to manage your money, create budget charts and track spending for long-term financial planning.
• Savings Calculators - Free, easy to use calculators to help answer your savings questions offered by Delta Community Credit Union.

College

• College Calculators - Free, easy to use calculators to help answer your questions about paying for college offered by Delta Community Credit Union.
• www.coursera.org - Higher education that overcomes the boundaries of geography, time and money. Learn with videos and quizzes at your own pace for free.
• www.edx.org - an open online course platform founded by Massachusetts Institute of Technology and Harvard University to offer university-level courses in a wide range of disciplines to a worldwide audience at no charge.
• www.khanacademy.org - Totally free site that offers a library of over 3,000 video tutorials covering everything from arithmetic to physics, finance and history.
• www.udacity.com - Learn. Think. Do. Free Online Classes in Programming, Computer Science, Math, Sciences and Entrepreneurship from Top University and Industry Instructors.
• www.udemy.com - an online learning platform featuring some 4,000 courses hosted by instructor-experts. Course fees range from $10-$1,000.
• www.studentaid.gov - Everything you want to know about federal student aid along with some guidance on preparing for college.
• US News Rankings Best Colleges - Get exclusive rankings of 1,600 schools and tools to search for your perfect fit. And find details on scholarships, loans, and grants.
• US News Rankings Best Graduate Schools - Continuing your studies into graduate school? US News provides rankings of over 1,200 graduate programs. Also get information on financial aid and find job listings.
• US News Rankings Best Online Programs - Does the convenience of online learning appeal to you? US News provides the top online bachelor's programs.

Credit

• www.annualcreditreport.com - The official site to get your free annual credit report for all three credit bureaus. (The report is free, but there's a charge for your actual credit score)
• Balance - Delta Community members benefit from this site which offers free money management information and assistance. Look for topics from credit report review and debt management to home buying and helpful financial tools.
• Credit Calculators - Free, easy to use calculators to help answer your credit and debt questions offered by Delta Community Credit Union.
• www.creditkarma.com - Instantly receive your free credit score and free credit report data online. This site also has free credit tools to track and optimize your credit score.
• www.equifax.com - One of the three main credit reporting agencies. Find educational information about credit and info on how to dispute any inconsistencies in your credit report.
• www.experian.com - Another of the three main credit reporting agencies. Check your credit report and credit score with toll-free support and learn about identity theft protection.
• www.freecreditreport.com - Another resource to check and review your credit history. Even though it has catchy commercials and free in its name, be careful not to get tied in to a subscription with this site.
• Members Insurance Advisors Identity Theft Protection - Don't be a victim of identity theft. Find affordably priced ID Theft Protection products, offered by Members Insurance Advisors, a subsidiary of Delta Community Credit Union.
• www.transunion.com - Another of the three main credit reporting agencies. Check your credit report and credit score online.

Housing

• Balance - Delta Community members benefit from this site which offers free money management information and assistance. Check out their free housing counselors that can give you advice on a variety of topics both over the phone and via online chat.
• Mortgage Calculators - Free, easy to use calculators to help answer your home buying questions offered by Delta Community Credit Union.
• U.S. Department of Housing and Urban Development - This site offers great resources like home buying resources, rental assistance and tips on avoiding foreclosure.

Insurance

• www.healthcare.gov - Top things young adults need to know about the Affordable Care Act.
• Insurance Calculators - Free, easy to use calculators to help answer your insurance coverage questions offered by Delta Community Credit Union.
• www.membersia.com - Members Insurance Advisors, a subsidiary of Delta Community Credit Union, will help find the right insurance policy for you at the most competitive price.

Investing

• Delta Community Retirement and Investment Services - Delta Community offers its members access to experienced financial advisors who offer an objective view of the best way to get where you’re planning to go.
• Investing for Beginners - Brought to you by About.com, this site offers a compilation of articles and tools to help you learn how to put more money aside so you can build your net worth.
• Investing Calculators - Free, easy to use calculators to help answer your investing questions offered by Delta Community Credit Union.
• Qualified Plans Calculators - Free, easy to use calculators to help answer your questions about qualified plans offered by Delta Community Credit Union.
• Retirement Calculators - Free, easy to use calculators to help answer your retirement questions offered by Delta Community Credit Union.
• Savings Calculators - Free, easy to use calculators to help answer your savings questions offered by Delta Community Credit Union.
• U.S. Securities and Exchange Commission - The SEC's Roadmap to Saving and Investing provides basic information and considerations for getting started investing.
• Wall Street Journal - Important financial news and headlines. Check out the Market Data Center for real time tracker of stock market results.

Taxes

• Georgia Department of Revenue - This site provides forms and information on filing, payments, refund status, etc. for your Georgia state tax return.
• www.irs.gov - The official IRS website. This link provides forms and information on filing, payments, refunds, refund status, etc. for your federal return.
• www.taxslayer.com - an online tax preparation software for individuals to use to prepare and electronically file their federal and state income tax returns.
• www.turbotax.com - Easily prepare your tax return and file income taxes.