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Insights February


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									      For the members of                                                                                             VOLUME 5 ISSUE 2
      Delta Community Credit Union                                                                                    February 2007

Compare Loan Rates And Save
Make Delta Community Credit Union your financial partner for life. Whether
you’re in need of a safe place to invest your savings dollars or you’re looking for a
loan that offers great rates and flexible repayment terms, your credit union is here
for you through all the stages of your life.

Our car loan rates are very competitive, starting at just 4.25% APR. Plus, when you apply online, you’ll receive an
additional .25% off your rate! Compare and you’ll see that our car loans are priced to let you drive the car you’ve
always wanted. Our convenient repayment options along with flexible financing terms make our car loan one you can’t
pass up.

Because we know you’re busy with life’s demands, we offer an online application that’s simple to use and returns most
decisions in just minutes. Being pre-approved for a loan takes some of the added pressure off when it’s time to shop for
a car. You’ll know exactly what you can spend – you’ll even know the amount of your monthly payment.

If you’re hesitant about buying through a dealership, contact Car Solutions, our car-buying service at 1-800-226-5152
or 404-530-9000, and they’ll take you through a hassle-free, smooth car-buying process.

Letter From Rick                                                                                                                 1-404-530-9000

Dear Member,

We’ve celebrated the New Year and wished all our friends, family and co-workers Happy New Year many times over. We’ve made New
Year’s Resolutions – some we’re working on and some may already be broken. Now it’s February and time to make sure 2007 is going
your way. This issue is filled with helpful articles on how to make some good financial moves that will improve your life. Whether
you’re interested in retirement planning or simply filing your taxes electronically, we’ve got something of interest for you.

If you’re house hunting, be sure to read about our Helper (HLPR) Loan, an ARM with a twist, on page 2. If you’re not in the
market for a house, but you’re looking for a car, you’ll want to check out the article on loan rates. No time to shop?
Why don’t you just let Car Solutions, our car-buying service, know what you want and let them do all the legwork
for you?

Be sure to take time to read about our debit card, which is convenient, easy and above all, safe to use. If you’re
still tied to your check book, it’s time to kick that habit and adopt a better one, using a Delta Community
Check Card.

I do want to take this opportunity to mention that the credit union now offers CDs
with very competitive rates. Check them out at www.DeltaCommunityCU.com.

See the back page for details regarding our $8.5 million Patronage Rewards and Refunds.
Have a great month, and we’ll look forward to helping you online or in our branches.


Rick Foley
Your                                          Plan For A
                                              Secure Retirement
Union                                         Most of us don’t want to work for the rest of our
                                              lives, so saving for the future is an important part
                                              of our financial planning. Retirement will come
Advantage                                     much sooner than most of us expect and to be ready,
                                              it’s a good idea to have a plan. Today, because of
                                              medical advances and healthier lifestyles, most of us will live
                                              longer than our parents and grandparents did, so we’ll probably spend a longer time in
                                              retirement. Generally, pension benefits and Social Security will cover only a portion of
                                              what you need to retire, the rest will have to come from what you do on your own, how
                                              much you save and how well you invest. Retirement planning can help you manage your
                                              financial situation, so that when you decide to quit working you can maintain a regular
                                              income, enjoy life and retire with confidence. A secure, comfortable retirement is every
                                              worker's dream and achieving that dream is much easier when you have a financial plan
                                              for the future.

                                              One of the easiest ways to enhance your retirement is with a Delta Community Credit
ONLINE FILING                                 Union IRA. Our Traditional and Roth IRAs offer a safe home and a high yield for your
PRODUCT MAKES TAX                             retirement savings. We have qualified specialists on site to provide you with
TIME STRESS-FREE                              comprehensive information about our IRAs. Whether you want to open an IRA, make a
                                              contribution or roll over funds from another IRA, Delta Community representatives are
It’s tax time again, but there’s no need to   here to help you. Our specialists, however, do not take the place of your tax advisors.
stress. We’re going to help make your tax     That’s why it’s so important for you to review your retirement options with them to help
process easier!                               you determine which IRA best fits your investment goals.

We’re once again offering TurboTax            When you open an account with Delta Community, there are no set up fees and no
on our web site. When you log on to           annual administration fees, which can save you money right from the start. Once your
www.DeltaCommunityCU.com, and click           account is opened, you can make your contributions online simply by logging into your
the TurboTax icon, you can use this great     account at www.DeltaCommunityCU.com. Maximum annual contributions for 2006
software to prepare your taxes, and even
                                              are $4,000 and you also have a catch-up contribution of $1,000 if you’re 50 years of age
submit your taxes online. The forms are
                                              or older. Safety and security are always first with the credit union. You can feel confident
easy to download and complete, and the
directions are simple to follow.              knowing your funds are safe because they are savings-based and insured up to $250,000
                                              by the National Credit Union Administration (NCUA).
The TurboTax basic package is $14.95 if
completed before April 15, 2007, but prices   When should you start planning and saving for your retirement? It’s never too early
range based on the package you choose.        or too late to begin saving and investing for your future, but the earlier you start
Plus, this year you can download your         your savings plan, the sooner you’ll see the rewards for a secure and comfortable future.
Delta Community CU dividend income            For convenience, versatility and security, you can’t beat the choices available at
directly into TurboTax.                       Delta Community Credit Union, and you know you can trust us to provide you with
                                              the information you need to plan a successful retirement.
So, now you can breathe easier and coast
right through tax time, because it can be
stress-free when you file with Turbo Tax.

                                              Take Advantage
                                              Of An ARM With
                                              A Helping Hand
                                              We’re reaching out with a
                                              unique first mortgage loan
                                              that can help make your dream
                                              of homeownership come true.

                                              There are many programs available that help
                                              first time homebuyers get into the house that’s
                                              right for them based on their financial means.
                                              With this in mind, Delta Community offers a
                                              HLPR Loan, a unique home loan product
                                              available to qualified first time homebuyers or
                                              anyone who meets the underwriting criteria.

                                              The HLPR or “Helper” Loan is a three-year Adjustable Rate Mortgage with a starting
                                              rate at one percent below the national average. After three years, the rate will adjust
                                              annually to market rates capped at one percent per year and five percent over the life of
                                              the loan. Loan eligibility is based on household income relative to the county of

                                              This product helps qualified members substantially lower the costs of their home loan,
                                              providing the opportunity to invest the savings and build wealth as the equity in their
                                              home increases. Delta Community also helps by taking $500 off the closing costs for
                                              the HLPR loan.**

                                              Continued on back page...
                                                                                                                                                                                 RATES AS OF 1/1/07
Is Your Retirement
                                                                                                                                                                                 New and Used Cars (0 – 7 years)
Plan On Track?                                                                                                                                                                                                     Instaloan Rate††              Rates†
                                                                                                                                                                                 Up to 24 months                   4.00% to 10.25%               4.25% to 10.50%
A Message from the Delta Community                                                                                                                                               36 months                         4.25% to 10.50%               4.50% to 10.75%
                                                                                                                                                                                 48 months                         4.50% to 10.75%               4.75% to 11.00%
Investment & Insurance Services Program                                                                                                                                          60 months                         4.75% to 11.00%               5.00% to 11.25%
                                                                                                                                                                                 61 – 72 months
Do you know how much you can expect from Social Security                                                                                                                         (over $25,000)                    5.25% to 11.50%               5.50% to 11.75%
in retirement – or from any pension plan you have? Or how                                                                                                                        73-84 months
                                                                                                                                                                                 (over $35,000)                    5.25% to 11.50%               5.50% to 11.75%
much you need to save to make up the shortfall in your
desired retirement income?                                                                                                                                                       Older Used Cars (8 years+)
                                                                                                                                                                                                                   Instaloan Rate††              Rates†
Are you up-to-date on all the tax-favored retirement                                                                                                                             Up to 24 Months                   6.00% to 15.50%               6.25% to 15.75%
savings options? And are your retirement investments                                                                                                                             36 months                         6.25% to 15.75%               6.50% to 16.00%
                                                                                                                                                                                 48 months                         6.50% to 16.00%               6.75% to 16.25%
adequately diversified?                                                                                                                                                          60 months                         6.75% to 16.25%               7.00% to 16.50%

Whether your retirement is far off or just around the corner, now’s                                                                                                              New & Used Other Collateral**
the time to get answers to all these questions and to put your retirement                                                                                                                            Instaloan Rate††                            Rates†
plan on track.                                                                                                                                                                   Up to 24 months     5.50% to 11.75%                             5.75% to 12.00%
                                                                                                                                                                                 36 months           5.75% to 12.00%                             6.00% to 12.25%
                                                                                                                                                                                 48 months           6.00% to 12.25%                             6.25% to 12.50%
For more information about retirement planning and personalized assistance, please                                                                                               60 months           6.25% to 12.50%                             6.50% to 12.75%
contact Terry Anderson or Howard Brown, the Delta Community Investment &                                                                                                         61 – 144 months**** 6.75% to 13.00%                             7.00% to 13.25%
Insurance Services Representatives serving the members of Delta Community Credit
Union, at 404-677-4890.                                                                                                                                                          Other Loan Types
                                                                                                                                                                                                                   Instaloan Rate††              Rates†
                                                                            Terry Anderson • Howard Brown                                                                        Protection Loan                   9.00% to 16.25%               9.25% to 16.50%
                                                                        VP, Financial Advisors Trust Liaison Officers                                                            Personal Loans                    8.25% to 16.25%               8.50% to 16.50%
                                                                       404-677-4890 • 800-544-3328, option 2 then 4                                                              Personal
                                                                                     Fax 404-677-4921                                                                            Line of Credit                    9.00% to 16.25%               9.25% to 16.50%
                                                                            terry.anderson@cunamutual.com                                                                        Secured Loan***                   N/A                           5.87%
                                                                             howard.brown@cunamutual.com                                                                         Visa Platinum
    Terry Anderson               Howard Brown                                                                                                                                    Rewards Credit Card               N/A                           9.80%
                                                                                                                                                                                 Visa Gold
                                                                                                                                                                                 Credit Card                       N/A                           11.80%
                                                                                                                                                                                 Visa Classic
Representatives are registered, securities are sold, and investment advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member NASD/SIPC, a registered       Credit Card                       N/A                           13.80%
broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free (866) 512-6109. Nondeposit investment and insurance products are not federally           Stock Loans                       N/A                           9.00% to 15.75%
insured, involve investment risk, may lose value and are not obligations of or guaranteed by the financial institution. CBSI is under contract with the financial institution,
through the financial services program, to make securities available to members.
                                                                                                                                                                                 New Teacher Loans                 8.25% to 16.25%               8.25% to 16.25%

1385-P1819F1                                                                                                                                                                     Real Estate Loans
                                                                                                                                                                                 1st Mortgages – Fixed and ARMs
                                                                                                                                                                                 For rates, visit www.DeltaCommunityCU.com
                                                                                                                                                                                 or call 1-866-472-4071
There’s No Debate …                                                                                                                                                              Closed End Home Equity Loans – Available in all 50 states
                                                                                                                                                                                 Home Equity Lines of Credit – All states except Texas
                                                                                                                                                                                 Lot/Land Loans – Available in all 50 states
Delta Community CU Visa® Check Cards Are Safe                                                                                                                                    For rates, visit www.DeltaCommunityCU.com
                                                                                                                                                                                 or call 1-888-243-2629
If you’re still writing checks, it’s time to learn about the benefits of a check card.
                                                                                                                                                                                 Checking Accounts
They’re accepted at millions of locations, including online merchants, shopping outlets
                                                                                                                                                                                 Tier Range                        Rate                          APY #
and even fast food restaurants. And today check cards are more convenient and safer to
                                                                                                                                                                                 $0.01 >                           .500%                         .50%
use than ever.
                                                                                                                                                                                 Savings Accounts (minimum balance of $5.00)
There are four big reasons for selecting a Delta Community Visa Check Card as your                                                                                               Tier Range                                 Rate                 APY #
preferred method of making payments.                                                                                                                                             $0 – 500.00                                1.00%                1.00%
                                                                                                                                                                                 $500.01 – 10,000.00                        3.170%               3.22%
                                                                                                                                                                                 $10,000.01 – 25,000.00                     3.320%               3.37%
Convenience. Check cards are now the most practical way to pay. Make transactions                                                                                                $25,000.01 – 50,000.00                     3.470%               3.53%
fast, easy and safe. Plus with a Delta Community Visa Check Card, you can set up                                                                                                 $50,000.01 – 100,000.00                    3.620%               3.68%
online bill pay transactions with one of the thousands of companies now accepting                                                                                                $100,000.01 >                              3.870%               3.94%
Visa Bill Payment.
                                                                                                                                                                                 Individual Retirement Accounts
                                                                                                                                                                                 Tier Range                                 Rate                 APY #
Security. With Visa’s Zero Liability protection, check cards are now safer than                                                                                                  $0 – 500.00                                3.590%               3.65%
carrying cash. Verified by Visa gives you added protection when shopping online, and                                                                                             $500.01 – 10,000.00                        3.590%               3.65%
when you sign rather than use your PIN, you authenticate the transaction giving you the                                                                                          $10,000.01 – 25,000.00                     3.840%               3.91%
right to dispute fraudulent activity.                                                                                                                                            $25,000.01 – 50,000.00                     3.840%               3.91%
                                                                                                                                                                                 $50,000.01 – 100,000.00                    4.090%               4.17%
                                                                                                                                                                                 $100,000.01 >                              4.090%               4.17%
Budgeting. Check cards give you real-time access to your checking account. You no
longer have to deal with the delays of waiting for checks to go through as most check                                                                                            Certificate of Deposit Accounts##
                                                                                                                                                                                 (minimum opening deposit of $5,000.00)
card transactions clear your account within hours.
                                                                                                                                                                                 Tier Range                                 Rate                 APY #
                                                                                                                                                                                 12 Month                                   5.22%                5.35%
Rewards. Earn one point for every $2 you spend with your Delta Community Visa                                                                                                    24 Month                                   5.22%                5.35%
Check Card on qualifying transactions.* Plus, if you have Delta Community                                                                                                        36 Month                                   5.27%                5.40%
Visa Credit Cards you can pool your Reward Points balances to redeem for                                                                                                         60 Month                                   5.51%                5.65%
better rewards, faster.
                                                                                                                                                                                 Rates are subject to change. Your Annual Percentage Rate will be based on the
                                                                                                                                                                                 number of years your loan is financed plus your credit history.

Now you know when using a Delta Community Visa Check Card you’re                                                                                                                  *Annual Percentage Rate
                                                                                                                                                                                  **Aircraft, boats, jet skis, motor homes, motorcycles, snowmobiles, farm tractors
safe, you save time, and you even earn rewards. Don’t wait any longer!                                                                                                               (Minimum 20hp), wave runners, travel trailers, pop-up campers, four wheelers,
                                                                                                                                                                                     horse trailers, golf carts.
Visit www.DeltaCommunityCU.com and apply today.                                                                                                                                   ***Annual Percentage Rate. Variable Rate. Rate is 2% above highest savings dividend
                                                                                                                                                                                 ****Loan amounts >$35,000. Available for boats, RVs and aircraft loans only.
*PIN based transactions do not accumulate points. No points are earned for purchases of travelers checks, balance transfers, interest or service                                 †
                                                                                                                                                                                  All rates shown include an automatic repayment method (payroll deduction, ACH or
charges, cash advances, or ATM withdrawals. Questions as to what constitutes a qualifying transaction, as well as any exceptions, are at the sole                                 automatic transfer). If an automatic repayment method is not chosen, then 1.00% will
discretion of Delta Community Credit Union.                                                                                                                                       be added to the loan rates shown above.
                                                                                                                                                                                   Instaloan rates shown include .25% discount offered by applying through the internet.
                                                                                                                                                                                   Instaloan discount can not be given in conjunction with any other promotions.
                                                                                                                                                                                   Promotion does not include credit card or real estate loans.
                                                                                                                                                                                  Annual Percentage Yield
                                                                                                                                                                                    Call 800-544-3328 for a complete set of Truth in Savings Account disclosures.
      1025 Virginia Avenue                       Take Advantage Of An ARM
      Atlanta, GA 30354
      Atlanta Area:                              With A Helping Hand (continued)
      Toll Free: 1-800-544-3328                  Changes in interest rates or fluctuations within the housing market are factors to
      Hours: 8:00 a.m. - 4:30 p.m., M-F          consider when buying a home. The HLPR loan is a “no-gimmicks,” low-rate home
      Drive-thru:                                loan product that qualifies eligible members for real savings when they need it most.
                 7:00 a.m. - 5:30 p.m., M-F
                                                 For more information about this special, low interest home loan. talk with one of our
      ATLANTA AIRPORT                            Home Loan Specialists:
      Hartsfield-Jackson Atlanta Int'l Airport
      Atlanta, GA 30320
                                                 Rhonda Dearing – Fayetteville, Summit Point: 404-677-4105
      DELTA HEADQUARTERS                         Mattie Ford – Main Office: 404-677-4938
      1050 Delta Boulevard
      Atlanta, GA 30320                          Robin Webb – Main Office: 404-677-4587
                                                 Robin Wright – Eagles Landing: 404-677-4129
      1775 Aviation Boulevard                    And if you live outside of the state of Georgia, please call 1-866-472-4071.
      Atlanta, GA 30320
                                                 Your credit union is committed to helping you find the perfect home loan, and the
      FAYETTEVILLE – SUMMIT POINT                HLPR Loan is just another example of how you’ll always be at home with us.
      140 South Highway 92
      Fayetteville, GA 30215                     *HLPR loan qualification based on additional criteria.
                                                 **Other closing costs apply and rates and fees may vary and are subject to change. This is a limited time offer.

      Braelinn Village Shopping Center
      472 Crosstown Drive
      Peachtree City, GA 30269

      285 Center Pointe Parkway
      Stockbridge, GA 30281

      5006 Mt. Zion Parkway
      Stockbridge, GA 30281

      4885 Houston Road
      Sibcy Cline Building, Ste. 102
      Florence, KY 41042

      Southlake Corners
      100 North Kimball Avenue, Ste. 103
      Southlake, TX 76092

      Salt Lake City Int'l Airport
      P.O. Box 22003, Dept. 930
                                                                  FROM WHO ELSE, BUT DELTA COMMUNITY?
      Salt Lake City, UT 84122                                          This January 2007, Delta Community’s 162,000 members received $8.5 MILLION in a savings
                                                                        Patronage Dividend and a loan interest Patronage Refund as part of the CREDIT UNION’S EFFORT to
      See www.DeltaCommunityCU.com                                      SHARE our FINANCIAL SUCCESS.
      for branch and drive-thru hours.
                                                                        When YOU’RE PART of Delta Community Credit Union, the rewards are countless. We just thought
                                                                        we’d give you one you CAN COUNT.

                                                                                                                                                        Editorial Inquiries: E-mail us at
                                                                                                                                                        Jeff Deck, Hesper Hall and Kem Pastorino
                                                                                                                                                        Contributing Writers – Madge Brady,
                                                                                                                                                        Editor - Autumn Davis
                                                                                                                                           Marketing Dept. 930, ATG.
                                                                                                                                           of Delta Community Credit Union by the
                                                                                                                                           Insights is a monthly publication for the members

                                                                                                                                                                    Mon. Feb. 19, 2007 | Presidents’ Day
                                                                                                                                                                                 HOLIDAY CLOSINGS
                                                                                                                                                         Web Site | www.DeltaCommunityCU.com
                                                                                                                                                         Mortgage Line | 1.866.472.4071
                                                                                                                                                         Audioline | 404.715.4627 or 1.800.334.7536
                                                                                                                                                         Loan Line | 1.888.243.2629
   92799                                                                                                                                                                       GREAT CONNECTIONS
U.S. Postage                                                                                                                               Members: 163,000                        Loans: 1,383,000,000
 Standard                                                                                                                                  Deposits: 1,850,000,000                 Assets: 2,280,000,000
                                                                                                                                       FINANCIAL STATUS AS OF DECEMBER 31, 2006

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