Eligibility dependent upon select counties or select employers.
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
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!!!
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???
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.
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.
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 September 30, 2013 Delta Community Credit Union had $23.96 million in non-current loans and owned real-estate with $485.04 million in equity and loan loss allowances on hand to cover it. This gives Delta Community Credit Union a Texas Ratio of 4.94% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
The Texas Ratio for Delta Community Credit Union decreased slightly from 5.52% as of September 30, 2012 to 4.94% as of September 30, 2013, resulting in a positive change of 10.59%.This indicates that the balance sheet and financial strength for Delta Community Credit Union has improved slightly in recent periods.
In the past year, Delta Community Credit Union has increased its total deposits by $133.14 million, resulting in 3.44% 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 excellent.
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 $485.04 million in equity, resulting in a capitalization level of 10.77%, which is above average.
|Assets and Liabilities|
|Equity Capital||$453.06 million|
|Loan Loss Allowance||$31.98 million|
|Unbacked Noncurrent Loans||$22.02 million|
|Real Estate Owned||$1.94 million|
|Historic Data - September 2012|
|Equity Capital||$420.09 million|
|Loan Loss Allowance||$31.41 million|
|Unbacked Noncurrent Loans||$22.02 million|
|Real Estate Owned||$4.69 million|
|Profit Margin - Quarterly|
|Net Interest Margin||3.34%|
|Return on Assets||0.81%|
|Return on Equity||8.05%|
|Interest Income||$106.29 million|
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|0.30%||$100k||-||Health Savings Account|
|0.30%||$100k||-||Roth IRA Account|
|0.33%||$100k||-||Money Market Account|
|0.30%||$100k||-||Business Money Market Account|
|0.10%||$1k||-||Business Checking Account|
|1.00%||$5k||-||60 Month CD|
|0.70%||$5k||-||36 Month CD|
|0.55%||$5k||-||24 Month CD|
|0.40%||$5k||-||12 Month CD|
|0.25%||$5k||-||6 Month CD|
|1.00%||$5k||-||60 Month IRA|
|1.00%||$5k||-||60 Month Roth IRA|
|1.00%||$5k||-||60 Month CESA|
|0.70%||$5k||-||36 Month IRA|
|0.70%||$5k||-||36 Month Roth IRA|
|0.70%||$5k||-||36 Month CESA|
|0.55%||$5k||-||24 Month IRA|
|0.55%||$5k||-||24 Month Roth IRA|
|0.55%||$5k||-||24 Month CESA|
|0.40%||$5k||-||12 Month IRA|
|0.40%||$5k||-||12 Month Roth IRA|
|0.40%||$5k||-||12 Month CESA|