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1025 Virginia Ave
Atlanta, GA 30354

Eligibility dependent upon select counties or select employers.

Field of Membership Restrictions

Credit union membership is open to members of the GettingAhead Association. This appears open to people from any state who pay a $5 membership fee. You can be immediately eligible for credit union membership if you're a resident of one of several Georgia counties in the Atlanta metro area, work for one of their Select Employer Groups, or via family (not just immediate family). Please see the credit union's eligibility page for the full details. - See Details

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They offer no protection for fraudulent charges on your account and have the worst customer service of any bank I have ever used in 30 years...I have told all friends and family to close their accounts.  They do not respond to calls, requests, and lose any disute information you fax or mail...Caveat emptor!!!  I wish I had never started banking with them and actively qorking to find a better CU like wings financial!  I cannot stress how awful they are in every way!  Heaven help its members...I have also heard numerous stories fromother Delta employees...they also share personal information with your employer...or at least Delta...I am filing complaints with state of GA office of thrift supervision and suing them!!!

Terrible Service & Support

After my wife and I married we decided to merge our separate bank accounts.  She had used a credit union several years ago (in an adjoining) state and was very happy with it, so we decided to open accounts with DCCU because it was near our home (for convenience).  We should have paid attention to the warning signs when we first went in - the place was set up like the old "Wa-Mu" (Washington Mutual) open concept/design where you had a central desk to clear first and then went to separate teller desks (we both HATE that operation and look).  Once we waited for nearly 1 hour to see someone about opening an account we nearly left because they couldn't "find" my SSN in the "system" (we were told something was wrong with my credit report - later I found out that there was nothing wrong with it), so we used my wife's (without any issues).  After setting up everything and getting the bill-pay accounts set up I noticed how bad their online software was (compared to other "big" banks like Wachovia or Fidelity Bank) - it looked amateurish and was very clunkly to navigate.  Next problem was their "system" kept cancelling our login and we had to reset it 7-8 times in the first 2 months.  My wife decided to inquire about a car loan and wound up getting 3 different quotes from different people (2.5% to 13.75% rates - HOW does that happen??). The last straw just happened - their bill pay system did not pay a credit card (the system shows a date and an amount, but nothing was processed AND they did not notify us) - I found out when my delinquent credit card statement showed up. I called their online/bill pay 800# only to be told that they couldn't access my account without a SSN - when I inquired why they couldn't just use our account number the operator said they were an outsourced call center. I finally had to call the general 800# and was switched to 4 different people just to find out what happened (the last person was going to call me back because their "IT people were in a meeting").  

We're done. We're moving our account to a "real" bank. How are these clowns still in business???

Wonderful Credit Union

I have a daughter who lives in Atlanta. I had her set-up a checking and savings account at Delta Community CU. Then, once she was a member, I was then eligible and I also set-up a savings account there. They have an office in the Cincinnati area since Delta USED to have a big presense in Cincinnati.

But I can easily do most banking using the Internet. While their system is not the greatest, it is very adequate. When I am visiting in Atlanta, I can go to one of the branches there and conduct business. They have a lot of branches in the Atlanta area.

Plus, I can transfer funds from my account to my daughter's accounts when the grandchild needs something.

I also have a Visa card with them that provides rewards for using it.

The service has been friendly and excellent. BTW, right now at .25%, their savings interest rate is one of the highest around on a basic savings account.

Really Outdated Banking Site And Services, Poor Customer Service, Only Here For The Great Rate That We Got On Home Equity Line Of Credit.

The application process is slow.  The staff is based out of Georgia and is slow to return calls.  Everything is done manually, on paper.  The worst part of this is the terribly outdated website and online banking system.  When I questioned the staff on this one of them had the audacity to disagree with me!  Hello Delta Community Credit Union, please join us in the year 2011 and update your banking website.  I don't doubt there are security holes in the site.  I tried several times to get auto transfers set up on the site to pay my loan and only got it working when I spent an hour on the phone with a "customer service rep" who was the one who disagreed with me.  Hmm, I would bet I was hitting some bug that was "nudged through" when I complained about the issue.




Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Delta Community Credit Union had $25.46 million in non-current loans and owned real-estate with $496.46 million in equity and loan loss allowances on hand to cover it. This gives Delta Community Credit Union a Texas Ratio of 5.13% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Delta Community Credit Union experienced no significant changes from 4.97% as of December 31, 2012 to 5.13% as of December 31, 2013, resulting in a negative change of 3.29%. This indicates that the balance sheet and financial strength for Delta Community Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Delta Community Credit Union has increased its total deposits by $98.06 million, resulting in 2.52% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Delta Community Credit Union has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Delta Community Credit Union has $4.5 billion in assets with $496.46 million in equity, resulting in a capitalization level of 11.03%, which is excellent.

Institution Statistics

NCUA #66357
Year Chartered1940
Primary Regulator
Assets and Liabilities
Assets$4.50 billion
Loans$2.76 billion
Deposits$3.99 billion
Equity Capital$465.84 million
Loan Loss Allowance$30.62 million
Unbacked Noncurrent Loans$23.04 million
Real Estate Owned$2.43 million
Historic Data - December 2012
Assets$4.37 billion
Equity Capital$431.48 million
Loan Loss Allowance$30.19 million
Unbacked Noncurrent Loans$23.04 million
Real Estate Owned$4.25 million
Profit Margin - Quarterly
Net Interest Margin4.39%
Return on Assets0.94%
Return on Equity9.07%
Interest Income$142.63 million

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Delta Community Credit Union Savings Account Rates

0.30%$100k-Health Savings Account
0.30%$100k-IRA Account
0.30%$100k-Roth IRA Account
0.30%$100k-CESA Account
0.15%--Savings Account
0.15%--Business Savings

Delta Community Credit Union Money Market Rates

0.33%$100k-Money Market Account
0.30%$100k-Business Money Market Account

Delta Community Credit Union Checking Account Rates

0.10%$1k-Business Checking Account
0.05%$25k-Checking Account

Delta Community Credit Union CD Rates

1.10%$5k-60 Month CD
0.80%$5k-36 Month CD
0.55%$5k-24 Month CD
0.40%$5k-12 Month CD
0.25%$5k-6 Month CD

Delta Community Credit Union IRA Rates

1.10%$5k-60 Month IRA (Traditional,Roth,CESA)
0.80%$5k-36 Month IRA (Traditional,Roth,CESA)
0.55%$5k-24 Month IRA (Traditional,Roth,CESA)
0.40%$5k-12 Month IRA (Traditional,Roth,CESA)

Delta Community Credit Union has 26 locations. Click to view all Delta Community Credit Union locations.