Delta Community Credit Union

Delta Community Credit Union

Type	Credit Union
Industry	Banking, Financial services
Founded	1940
Headquarters	Atlanta, Georgia U.S.
Area served	Cobb, Cherokee, Clayton, Coweta , DeKalb, Fulton, Fayette , Forsyth, Gwinnett , Henry, Hall
Key people	Hank Halter (CEO & President) Jay Gratwick (CFO) Matthew Shepherd (COO) Robert Walsh (Chief Lending Officer) Robert Manning (General Counsel)[1]
Services	Checking Account Savings Account Credit Card CD Account Money Market Account New Car Loan Used Car Loan Home Loan Retirement Planning Mobile Banking Online Banking Insurance
Number of employees	1,000+[2]
Website	deltacommunitycu.com

Delta Community Credit Union is a credit union headquartered in Georgia, a state in the United States. Delta Credit Union has $5.79B in assets and 378,000 members. USA Credit Unions has ranked DCCU as among the top 25 largest credit unions in the U.S.^[3] Their members come from the 11 Atlanta metro area counties. Some of the companies the credit union serves are: Delta Air Lines, Chick-fil-A, RaceTrac and UPS. As a not-for-profit credit union, their earnings must be returned to their customers and local communities. Delta Community is a state-chartered credit union organized under the Georgia Department of Banking and Finance and federally insured by the National Credit Union Share Insurance Fund.^[4] There are currently 27 branch offices.^[2] It is a member of CO-OP, formerly known as CU Service Centers, a nationwide cooperative. DCCU's members can bank at their 3,500 credit unions with +5,000 branches.

The routing number is 261071315.^[5] Delta Community has several ATM locations and members may use ATMs operated by other member CO-OP credit unions.

History

In February 1940, Delta Employees Credit Union was formed in Atlanta, Georgia by eight Delta Air Lines employees, each with a stake of $45 in share capital. On March 8, 1940, Delta Employees Credit Union received a charter entitling it to 20 years of operation. One month later, the first board of directors was composed. The board voted that membership was open to all Delta employees. By the end of 1940 assets were approximately $2,000.

In 1960, the board granted a renewal of the credit union's charter. By 1983, assets were +$200M. Delta Employees Credit Union was then and is now the largest credit union in Georgia.

On March 8, 1990, Delta Employees Credit Union held its 50th anniversary.

In July 1994, the credit union implemented a policy of "Once a member, always a member," thus eliminating the stipulation that an individual had to be an active Delta employee to be a member. Membership was also extended to the parents of active and former Delta employees in good standing.^[6] In 1995 the Delta Employees Credit Union's total number of members exceeded the 100,000 mark. Membership privileges were offered to children, grandparents, grandchildren, brothers and sisters of the member and their spouses. In 2001, domestic partners of members were added.^[4]

In October 2005, Delta Employees Credit Union changed their name to Delta Community Credit Union to describe that they were open to more people, not just Delta employees.^[4]

In 2008, more counties and companies became eligible for membership. At that time DCCU's assets were +$2.8B and they had 181,000 members. Delta Community Credit Union contracted with LEVEL5 to build its 12th branch in Newnan, GA.^[7] In 2010, with over 200,000 members and more than $3B in assets, Delta Community's mission is to provide quality, fairly priced financial services.^[8] Mobile Banking was made available to members in early June 2010 which provides the flexibility to complete a variety of financial transactions at any time and anywhere through their cell phone, smartphone or other mobile device.^[9]

In 2013, Hank Halter was appointed President and CEO of Delta Community Credit Union and named one of Atlanta's top 100 leaders in finance by the Atlanta Business Chronicle.^[10]

In September 2015, 2016 & 2017, Delta Community was recognized as one of Atlanta's Best Places to Work by the Atlanta Business Chronicle.

In February 2018, Delta Community Credit Union was named “Georgia’s Best Credit Union” by Atlanta Business Chronicle in their Book of Lists.

Membership

Membership is open to anyone who lives or works in Georgia's following counties: Cherokee, Clayton, Cobb, Coweta, DeKalb, Fayette, Forsyth, Fulton, Gwinnett, Hall or Henry. Current, former or retired employees of various companies throughout the U.S. may also join. All eligible companies are listed on the Delta Community website.^[11] Members of the following associations are also eligible for membership: Atlanta Air Cargo Association, Constitutional Officers Association of Georgia, Creflo Dollar Ministerial Association (CDMA), Georgia Society of Rheumatology, Georgia Tank & Environmental Contractors Association, Independent Freight Forwarders and Customs House Brokers Association, Morehouse College National Alumni Association, Northern Kentucky Alumni Association, Physicians' Alliance, Inc., PIAG (Printing and Imaging Association of GA), Universal Retail Wholesale Association, and Universal Trucking Benefits Association.

Branch locations

Delta Community Credit Union Branch

Delta Community Credit Union has branch locations in the states of Georgia, Kentucky, Texas and Utah. Delta Community Credit Union branch locations include: Atlanta, Buford, Canton, Decatur, Duluth, Fayetteville, Gainesville, Johns Creek, Marietta, Newnan, Peachtree City, Sandy Springs, Snellville, Stockbridge and Suwanee. City locations outside of Georgia include: Florence, Kentucky; Southlake, Texas and Salt Lake City, Utah.^[12]

Their newest branch opened May 24, 2017, in Alpharetta, GA.

Delta Community Credit Union expanded its administrative offices. In November 2017, Delta Community Credit Union opened administrative offices and a multi-use Conference Center in the newly-constructed Riverwood 200 Building, located at 3300 Riverwood Parkway in the Vinings area.

In January 2018, Delta Community Credit Union announced that it would be relocating and expanding its Snellville branch as of Summer 2018.

Services

Delta Community Credit Union offers personal banking services and business banking services such as checking accounts, savings accounts, health savings accounts, credit card accounts, online banking, online bill pay, new car loans, used car loans, student loans, personal loans, vacation loans, RV loans, boat loans, home equity loans, home mortgages and consumer loans. Commercial banking and services offered are: commercial real estate lending, SBA 504, equipment and vehicle financing, and lines of credit. The credit union also provides financial planning services in their Delta Community Retirement & Investment Services division and insurance through Members Insurance Advisors, LLC, a subsidiary.^{[13][14][15][16]}

Community involvement

Delta Community Credit Union is involved in the communities it serves through a variety of programs and initiatives. In 2018, Delta Community Credit Union, will increase the total support provided by its Philanthropic Fund to a total of $105,000. The additional $5000 recognizes the Fund’s 5^th anniversary. Organizations impacted by the Philanthropic Fund include Big Brothers Big Sisters of Metro Atlanta. At the end of 2018, Delta Community Credit Union’s Philanthropic Fund will have invested $430,000 since 2014 in non-profit organizations throughout metro Atlanta. The application period for 2019 grants opens July 1, 2018.

The credit union offers scholarships to students attending a U.S. college. Their annual Scholarship Program awards five scholarships totaling $20,000. Through a partnership with KISS 104.1FM, Delta Community awards $8,000 per year to students attending HBCUs. Recipients of the $2,000 scholarships are selected quarterly.

The credit union provides financial education via its Financial Education Center, which has online courses, financial counseling services, and in-person seminars and workshops at its branches.

Delta Community offers educational support through its support of Junior Achievement BizTown, a program to help middle school students build financial literacy.

Through their membership and financial support to 14 chambers of commerce and involvement with Children’s Healthcare of Atlanta, Delta Community Credit Union contributed $600,000 to all of their philanthropic ventures in 2016.

Delta Community Credit Union sponsors Children's Miracle Network through Credit Unions for Kids. Credit Union staff members volunteer in these fundraisers.

Delta Community Credit Union is an sponsor of several Chambers of Commerce.

References

External links

• Official website
• dbf.georgia.gov
• NCUA website
• USA Credit Unions