Insights
November/December 2013 • Volume 11 Issue 6
Letter From
The CEO
Dear Valued Delta Community Member,
Thanks to your continued business and the dedicated efforts of our employees
serving your financial needs, we’ve had another outstanding year. We’re also
finishing 2013 with strong financial results due in large part to the success of our
SWITCH & SAVE campaign, which ran from mid-July through the end of September.
During the campaign, many of our members benefited greatly by refinancing high-interest loans held at other financial institutions with us
instead. The campaign attracted new members, too, strengthening the Credit Union. The SWITCH & SAVE campaign generated record loan
growth for Delta Community, with over $64 million in new Auto, Personal and Visa® Credit Card loans.
I’m delighted to share these results with you, not just for their numeric value alone, but because each loan we open gives us the opportunity
to help valued members like you save more of their hard-earned money. This is a priority for us, and I’m sure it’s important to you as well –
especially as we approach the holiday shopping season. Know that your Credit Union is sensitive to the need to always help you get the most
out of your finances, regardless of the time of year.
While the SWITCH & SAVE campaign has ended, the theme of the campaign continues, that is finding out if you, too, can benefit by having
more of our financial products and services. I encourage you to find out if we can reduce the interest rate and monthly payment on loans you
may have with another financial institution. We welcome that conversation. And remember that you and your family can also benefit from having
access to our full suite of products built around your changing financial needs, like Quarterlife, our financial program for young adults, as well
as insurance, retirement planning and investments, home loans and more.
As a member of Delta Community, I also hope you’ve come to recognize and appreciate our on going commitment to provide you with a
superior service experience. One of the ways we do this is by offering you better value and honest advice. Our success as a financial institution
is built upon the bedrock of trust, earned over time, by providing members with good counsel and honest advice on what’s best for them and
not necessarily the Credit Union. Advocating your best interests sets us apart from other financial institutions, and this is something you can
always rely on us to do as your financial partner.
I hope you encourage your eligible family and friends to consider Delta Community as a financial partner. I know the gift of membership is
something that will benefit them for a lifetime. And as your family and friends become more familiar with the real value available to them as
members of Delta Community, I’m sure they’ll be appreciative of your consideration to help them save more money or improve their financial lives.
As we close 2013, I want to personally thank you for giving us the opportunity to serve your financial needs
throughout the year. We know there are many competing voices in the financial services marketplace today,
so your support, loyalty and membership in Delta Community Credit Union are most appreciated.
Hank Halter
Where Life Comes Together
In This issue
•Put More Under Your Tree With A Delta Community
Holiday Loan
• Stocking Stuffer Social Spree Spreads Holiday Cheer
•Bank Anywhere. Anytime. With Any Device.
•Maximize Your Purchases With A Delta Community Visa® Credit Card
•Give The Gift Of Membership
• Protect Your Identity This Holiday Season
• Ashley’s Money-Saving Tips For The Holidays
• Dallas Metro Branch Caps Outstanding Member Service
TM
Metro Atlanta
Atlanta
Hartsfield-Jackson Atlanta
International Airport
Atlanta, GA 30320
(Located on Concourse A)
Atlanta
80 Peachtree Place, NE
Atlanta, GA 30309
Atlanta
1025 Virginia Avenue
Atlanta, GA 30354
Buford (in Kroger)
3300 Hamilton Mill Road
Buford, GA 30519
Canton (in Kroger)
6766 Hickory Flat Highway
Canton, GA 30115
DECATUR
245 West Ponce de Leon
Decatur, GA 30030
E
S
Marietta
Newnan
1825 Highway 34, East
Newnan, GA 30265
Peachtree City
We know buying gifts for family and friends while trying to manage your
everyday bills isn’t always easy. It can be stressful on your pocketbook, too.
That’s why we’re making it easy for you to survive the 12 days of gift-giving so
you can put more under the tree – and maybe even keep more for yourself.
Peachtree City
Put us at the top of your holiday task list and apply for our Holiday Loan now
through December 31. You can apply for as little as $500 and pay it off over 12
months.* It’s easy and simple to do, and with our low, competitive rates and
easy payment terms, you won’t be paying for your purchases 12 years from now!
Braelinn Village
Shopping Center
472 Crosstown Drive
Peachtree City, GA 30269
315 Highway 74, North
Peachtree City, GA 30269
Sandy Springs
1100 Hammond Drive
Suite 100
Sandy Springs, GA 30328
Duluth
1980 Satellite Boulevard, NW
Duluth, GA 30097
Snellville (in Kroger)
Presidential Commons
Shopping Center
1670 Scenic Highway, North
Snellville, GA 30078
Fayetteville
Stockbridge
140 Highway 92, South
Fayetteville, GA 30215
Gainesville
Village Shoppes at Gainesville
891 Dawsonville Highway
Suite 140
Gainesville, GA 30501
Johns Creek
6700 McGinnis Ferry Road, NE
Johns Creek, GA 30097
Marietta
2627 Dallas Highway, SW
Marietta, GA 30064
4885 Houston Road
Sibcy Cline Building
Suite 102
Florence, KY 41042
•
Contact us at 1-800-544-3328 between 7:00 a.m. and 7:00 p.m. weekdays
•
Visit any of our branch locations
Suwanee (in Kroger)
2121 LawrencevilleSuwanee Road
Suwanee, GA 30024
N
Vinings
3250 Riverwood Parkway
Atlanta, GA 30339
W
Southlake, TX
(Dallas Metro)
*Monthly payments of $89.28
per $1,000 borrowed for
stated term at 12.0%
Annual Percentage
Rate (APR). Payment
may vary based on
due date selected.
APR available through
December 31, 2013.
APR = Annual Percentage Rate.
E
S
Southlake Corners
100 North Kimball Avenue
Suite 103
Southlake, TX 76092
E
S
N
W
1775 Maynard H. Jackson
Service Road
Atlanta, GA 30354
•
Log in to Online Banking, choose Apply for Loan under the Tools and
Services menu and select Holiday Loan on the application
5006 Mt. Zion Parkway
Stockbridge, GA 30281
Delta Air Lines
Atlanta (Technical
Operations Center)
To apply for a Holiday Loan, follow these easy steps:
Stockbridge
Salt Lake City, UT
Salt Lake City
International Airport
765 North Terminal Drive
Delta Terminal 2
Salt Lake City, UT 84122
(Located behind airport security)
So get going because Black Friday and Cyber Monday
are approaching fast!
285 Center Pointe Parkway
Stockbridge, GA 30281
Out of State
Florence, KY
(Cincinnati Metro)
Put More Under Your Tree
With A Delta Community
Holiday Loan
1205 Johnson Ferry Road
Suite 108
Marietta, GA 30068
Atlanta (World
Headquarters)
1030 Delta Boulevard
Atlanta, GA 30320
Visit our website for branch and drive-thru hours.
Stocking Stuffer
Social Spree Spreads
Holiday Cheer
Starting in late November through Christmas, “Like
us” on Facebook or “Follow us” on Twitter and we’ll
donate $1 to Children’s Miracle Network! Look for
more details on this unique way to spread holiday
cheer through the gift of giving on Delta Community’s
Facebook and Twitter social media sites.
Page 2
Bank Anywhere. Anytime. With Any Device.
Life is busy, and you don’t always have time to stop by your branch. That’s why
we offer convenient online and mobile banking services that keep you moving
and give you more time to do the things you really want to do.
Our robust Online Banking has just about everything you need to keep your
banking going 24 hours a day, 7 days a week.
Features include:
Online Bill Pay – Pay anyone at any time by scheduling one-time or
recurring payments sent to participating merchants electronically or via paper check
mailing. Best of all, the service is FREE and easy to use.
Online Transfers – Send funds electronically to other members and to accounts that you have outside
the Credit Union. Account-to-Account and Member-to-Member transfers are processed quickly to make it easy for you.
eAlerts – Get up-to-date information on your account. Stay current on changes to your account by setting up email or text
message notifications to let you know when your balance reaches a certain threshold, when your credit card balance gets too high
or even when a name, address or email has been updated on your account. This simple setup will enable you to define alerts that
are important to you. eAlerts provides you with the peace of mind in knowing that your account is secure at all times.
eStatements – Retrieve and view your monthly account statements and your Visa® statements from your computer. Once your
statements have been made available, simply log into your Online Banking account and access your most current statement, as
well as statements from as far back as when you first opened your account with the Credit Union. eStatements are totally free.
An email alert will be sent to the email address that you have on file with the Credit Union when your statement is available.
Mobile Banking – Like Online Banking, Mobile Banking is easy to use and extremely convenient. Enjoy accessing your account
securely from just about anywhere at anytime with Delta Community’s free* Mobile Banking service. With Mobile Banking, you have
more control over your money because your account information is literally within reach whenever you need it. You can check your
balance, pay a bill, transfer funds, receive account alerts, locate surcharge-free ATMs and Delta Community branch locations and
view account transaction history whenever you wish. The Short Message Service (SMS) allows you to text short codes to 2DCCU
(23228) and receive account information quickly and safely. Apple iPhone, Android and Blackberry users can download the
Credit Union’s Mobile Banking App for free.
To get started, visit our Online Banking pages at www.deltacommunitycu.com, and let us help you open up a world of
convenience today!
*Delta Community does not charge a fee for the use of our Mobile Banking service. Depending on your service data plan, you may incur web charges or text
messaging fees. Check with your mobile service carrier to get more information.
Page 3
Maximize Your Purchases With A
Delta Community Visa® Credit Card
There are hundreds of credit cards to choose from today. Choosing the right one is not only important when trying to build and
establish credit, it’s also essential in making sure you have the right payment tool that fits both your lifestyle and purchasing needs.
Here are some important things you should consider when picking a credit card for your everyday – or holiday purchases:
Spending Habits – Think about how you’re going use your credit card. Are you going to use it for everyday purchases or just
big-ticket items? Also, will you pay the balance off each month?
Grace Period – The grace period is the amount of time you have to pay your balance in full before a finance charge is added. The
period is usually expressed in days from the billing date. Longer grace periods are better because they give you more time to pay
your bill without incurring a cost for the convenience of using credit.
Annual Percentage Rate – The annual percentage rate, or APR, is the percentage applied to balances that
you carry beyond the grace period. The higher the APR, the higher your finance charge will be when you have
a revolving balance and the more you’ll pay for using your credit card. Most credit cards have a different APR
for purchases, balance transfers and cash advances. Make sure you know the APR for each.
Fees – Know the type of fees a credit card issuer may charge. Common assessments are annual fees,
charges for late payments, balance transfers, cash advances and sometimes, payment by phone.
Rewards – Rewards are a great benefit, but look for incentive programs that offer flexibility,
such as multiple rewards versus just one type such as cash back or travel. Also, keep in mind the
restrictions, ease of redeeming and point value. It’s important to understand the math behind
how much you have to spend to earn a point, cash back or air mile.
The Delta Community Visa Platinum Rewards and Young Adult Credit Cards have no annual
fee, rates as low as 9.75% variable APR* and a free rewards program that offers a
variety of redemption options such as Cash Back, Travel with no blackout dates,
Last day to request
Gift Cards and Merchandise. Learn more about our Visa Credit Card suite of
Gift Cards from your
products and apply today by visiting us at www.deltacommunitycu.com/visa.
*APR = Annual Percentage Rate. Offer subject to normal underwriting standards, including creditworthiness
and income requirement. For card rates and terms, visit us at www.deltacommunitycu.com/visa. Fees may
apply, including $3 cash advance fee and up to 1% foreign transaction fee on consumer Visa card accounts.
Reward Points for
delivery by Christmas
is December 15!
Give The Gift Of Membership
‘Tis the season for joy and sharing. So, why not give the gift of membership to an eligible family member, co-worker or friend this holiday
season? Just refer your family and friends to share in all the benefits you enjoy as a member of Delta Community Credit Union! And when
you do, we’ll show our appreciation with some extra gifts for each of you.
When the new member joins, you’ll each earn:
$10 When the referred member opens a Delta Community Savings and Checking Account with Check Card* (and makes at least one purchase)
$10 When the new member establishes Direct Deposit on the new account
$10 When the new member registers for Online Bill Pay
Talk about a gift that keeps on giving. To qualify for the bonus, the new member must sign up for the above products and services within
the first 60 days of account opening.
Ready to spread the word about Delta Community? Visit us online at www.deltacommunitycu.com/refer, and you’ll be directed to a form to
enter the names and email addresses of those you’d like to give the gift of membership. We’ll send them an email to help them get started.
*New member must be eligible under Delta Community CU’s field of membership. For details see www.deltacommunitycu.com/eligibility. $5 of the total cash earned by new
member will be used as the required $5 share in Delta Community Credit Union. Checking Account with Check Card is a requirement for this promotion. Referred member must
qualify for a Checking Account within Delta Community CU guidelines. Total money earned will be credited 8-12 weeks from referred member’s account opening date. Bonus
earned through this promotion is subject to IRS reporting. Existing member and referred member must be 18 years or older. Existing member must be in good standing at
Delta Community Credit Union.
Page 4
Protect Your Identity This Holiday Season
You can never be too safe when it comes to protecting your personal information. Delta Community
Credit Union can help you minimize risk with Identity Theft Protection from Members Insurance
Advisors, our wholly owned subsidiary – especially during the holidays.
As we use our check cards, credit cards and checks to make holiday purchases, we open up the
opportunity for identity thieves to steal personal information. This could not only be costly, but it can
ruin your credit as well. Fortunately, whether you’re shopping online or at the local mall, there are
many ways you can protect yourself. Here are some suggestions to help you protect your identity.
Online Shopping
Shopping in Stores or Malls
• Keep your computer software and antivirus programs updated.
•
Be aware of your surroundings at all times and carry your
purse/wallet securely.
•
Only use secure websites with “https” rather than “http” in the URL.
•
Copy the front and back of each of your credit and debit cards
and keep it in a secure location.
• Choose strong passwords with numbers, letters and symbols.
•
Be cautious when opening messages from unknown sources.
• Do not carry your Social Security card in your wallet.
•
Block unapproved access to your credit files with the
credit bureaus.
• Check your credit card and/or bank statements carefully.
• Avoid using public “WiFi” with online banking or web email.
To learn more about affordably priced Identity Theft Protection provided by
Members Insurance Advisors, email [email protected] or call 1-866-941-4547 today!
Ashley’s Money-Saving Tips
For The Holidays
This holiday season, before you give your wallet a hangover, consider these money-saving tips that
will help you stay focused and in holiday cheer!
Get Rewarded. If you’re going to stand in long lines for purchases, spend extra gas money driving
from store to store or stay online for hours to find the best deals, get rewarded for it. Get Reward
Points for spending money during the holidays, or any day for that matter, with Delta Community’s
Young Adult Visa Credit Card! This holiday, get rewards such as Cash Back, Gift Cards, Travel Discounts,
Merchandise and more. Earlier this year, I took the Cash Back option for my accumulated points. Overall,
it’s a win-win situation; a pretty sweet deal, if you ask me.
Research the Best Online Deals Before Buying. Shopping online is not only convenient but it can save you tremendously.
Cyber Monday, the Monday after Thanksgiving, is where retailers unleash some of the best online deals of the latest fashions, gadgets and
products. These online prices are usually cheaper than store prices and often save you a bundle. Here’s more good news: most retailers
offer free shipping on this day. What’s not to love about waiting for your package to arrive while you relax?
Do It Yourself (DIY). During these financial times, you have to become creative. Low on funds? No problem! Try using your talent or
arts and crafts ideas to make some of your gifts instead of buying them. Fortunately for us, we live in the era of YouTube. You can a find
a “how to” video on almost anything. If you can sew, make your loved one a hand-crafted sweater. If you’re a hairstylist, give a friend a
voucher for a new look. Own a business? Make your own coupons or gift cards offering your services for free or discounted rates. There
are plenty of DIY gift ideas for the holidays online. Choose one and save.
Make this holiday season financially epic! Say “NO” to overspending and “YES” to deal scouting. Check out all my holiday shopping
tips on my blog at www.deltacommunitycu.com/ashleyblogs. Also, if you haven’t already, find us on Facebook and Twitter
@ConnectwithQ. We would love to know your favorite holiday shopping tips; use #QRAshley when posting.
Page 5
Financial Status as of October 31, 2013
Assets: $4,492,000,000 Loans: $2,722,000,000
Deposits: $3,987,000,000
Members: 289,259
Great Connections
Delta Community Credit Union | 404-715-4725 or 1-800-544-3328
Loan Line | 1-800-544-3328
Audioline | 404-715-4627 or 1-800-334-7536
Websites | www.deltacommunitycu.com, www.membersia.com,
www.deltacommunitycu.com/quarterlife
Holiday Closings
Thurs., November 28 | Thanksgiving Day (World Headquarters and
Technical Operations Center Branches also closed on Fri., November 29)
Tues., December 24 | Christmas Eve (Closing at 2:00 p.m.)
Wed., December 25 | Christmas Day
Wed., January 1 | New Year’s Day
Mon., January 20 | Martin Luther King, Jr. Birthday
Insights is a bi-monthly publication for the members of
Delta Community Credit Union. Issues are archived on our
website for easy reference.
Managing Editor – Autumn Davis
Editor – Jeffrey Deck
Contributing Writers – Kem Henderson, Renee Jones,
Kate Kauffman, Ollie Moore and Ashley Bell (Quarter Reporter)
Editorial Inquiries: Email us at [email protected]
Dallas Metro Branch Caps
Outstanding Member Service
Our Southlake, Texas branch has a very special member. He’s special because he just turned
97 years old … and Delta Community Credit Union is his preferred financial institution!
Employees at the branch look forward to his visits – and the energy he brings along.
Mr. Eli Sobat joined Delta Community earlier this year. He now visits the Dallas Metro branch
with his daughter Sandy on a regular basis. Our relationship with Mr. Sobat began as a matter of
convenience, with him visiting the branch to do Service Center transactions. He was treated so
kindly that eventually he decided to open an account with the Credit Union.
Mr. Sobat in his Delta Community cap, pictured with
(L-R) Amy Halcomb, Lucretia Wallace, Eleanor Snow
and Alicia Debord from our Southlake, Texas branch.
“Mr. Sobat is the sweetest man, and we all love him,” Southlake Branch Manager Eleanor Snow
said. “He’s remarkable for his age, and he truly brightens our day whenever he comes in.”
On a recent visit to the branch, Eleanor and the Dallas Metro team gave Mr. Sobat a new Delta Community golf hat for his 97th birthday. He
was thrilled with the gift and very appreciative of the gesture. He always wears a hat whenever he’s out, so our gift was a perfect fit. Amazingly,
he still goes to the driving range to hit golf balls – now in his Delta Community Credit Union cap!
Mr. Sobat’s experience is a great example of how superior service is making a difference with our members and strengthening the Credit Union,
not just in Atlanta, but in places like Dallas, Texas, too.
Thank You For Your Membership And Your Support This Past Year.
We Welcome The Opportunity To Serve You, Your Family And Your Friends in 2014!
Where Life Comes Together
TM