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!!!
In the last year, or so, there has been a definite drop in the quality of service. Long time employees who were super friendly and community oriented are no longer with the company. Instead, I continue to be frustrated by employees who simply don't know what they are doing. I have spoken with a VP about my concerns. I don't get the impression he has ever worked in a branch because his answers are vague and he sounds unsure of what he is saying. I would go down the street and not subject yourself and your money to people who aren't competent.
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.
I've been using this CU for years, and I've always had good experiences. The customer service has always been good, they've always been very accommodating, and all of my physical encounters have been fine. A few of those that work at my local branch recognize me and are very kind- I would recommend them!
The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Delta Community Credit Union had $23.09 million in non-current loans and owned real-estate with $508.58 million in equity and loan loss allowances on hand to cover it. This gives Delta Community Credit Union a Texas Ratio of 4.54% 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 5.42% as of March 31, 2013 to 4.54% as of March 31, 2014, resulting in a positive change of 16.15%.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 $101.68 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 $4.64 billion in assets with $508.58 million in equity, resulting in a capitalization level of 10.97%, which is above average.
|Assets and Liabilities|
|Equity Capital||$478.87 million|
|Loan Loss Allowance||$29.71 million|
|Unbacked Noncurrent Loans||$21.04 million|
|Real Estate Owned||$2.06 million|
|Historic Data - March 2013|
|Equity Capital||$440.00 million|
|Loan Loss Allowance||$30.51 million|
|Unbacked Noncurrent Loans||$21.04 million|
|Real Estate Owned||$5.75 million|
|Profit Margin - Quarterly|
|Net Interest Margin||1.09%|
|Return on Assets||1.09%|
|Return on Equity||10.55%|
|Interest Income||$35.88 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|
|1.10%||$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|
|1.10%||$5k||-||60 Month IRA|
|0.80%||$5k||-||36 Month IRA|
|0.55%||$5k||-||24 Month IRA|
|0.40%||$5k||-||12 Month IRA|