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
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
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
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
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.
Your Plan For A
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.
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%
email@example.com Secured Loan*** N/A 5.87%
firstname.lastname@example.org Visa Platinum
Terry Anderson Howard Brown Rewards Credit Card N/A 9.80%
Credit Card N/A 11.80%
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.
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
DELTA TECH-OPS CENTER
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.
PEACHTREE CITY – BRAELINN
Braelinn Village Shopping Center
472 Crosstown Drive
Peachtree City, GA 30269
STOCKBRIDGE – EAGLES LANDING
285 Center Pointe Parkway
Stockbridge, GA 30281
STOCKBRIDGE – MT. ZION
5006 Mt. Zion Parkway
Stockbridge, GA 30281
4885 Houston Road
Sibcy Cline Building, Ste. 102
Florence, KY 41042
100 North Kimball Avenue, Ste. 103
Southlake, TX 76092
SALT LAKE CITY, UTAH
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
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