Featured Savings Rates
Featured Accounts

Delta Community Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.65%5-year CD60 Month CD
0.95%2-year CD24 Month CD
1.65%5-year IRA60 Month IRA (Traditional, Roth, CESA)

Overview / Commentary
404-715-4725
1025 Virginia Ave
Atlanta, GA 30354-1319

Delta Community Credit Union is headquartered in Atlanta and is the largest credit union in the state of Georgia. It is also the 25th largest credit union in the nation. It was established in 1940 and as of September of 2017, it had grown to 955 employees and 366,647 members at 27 locations. Delta Community Credit Union's CD rates are 67% higher than the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Membership in Delta Community Credit Union is open to residents of Cobb, Cherokee, Clayton, Coweta, Fayette, DeKalb, Forsyth, Fulton, Gwinnett, Henry, or Hall Counties in Georgia. Membership is also open to employees of Delta Air Lines, Inc., Amerifleet Transportation, Corporate Services Management America, and over 150 groups and organizations.
See current membership details

Related Posts

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Banking with DECU

DECU (Delta Community Credit Union) is a great way to bank. They offer friendly associates who are helpful and anticipated my needs since I joined.
Once I had my children we contacted DECU to create accounts for them. The bank assigned me a point of contact and a meeting time that worked with my schedule. During the meeting we discussed the best Saving options for my children. Once the accounts were created they presented a variety of piggy bank options that were a big win with my little ones. The cost fees are low or non existent and I am able to bank for me and my family with assurance that my money and time are respected. Banking with Checking, Savings and investments at DECU has provided me to focus on my short and long term goals for financial success. The only part of the DECU that is under improvement is the Web/Mobile area. They are fast improving this process and I am looking forward to the benefits.

Delta Community Credit Union Response

Posted by: LaoFluent | Sep 24, 2017

I've enjoyed my time with Delta Community Credit Union. I have been a customer with them for almost 7 years and have not had a poor experience with them. Every time I have had an issue with my accounts or, as of recently, my direct deposits for my new job, the customer service has always been easy to comply with and have gone over and beyond my expectations in helping to fix the problem. I enjoy the rewards program that comes with my debit card, and the prizes come in a wide variety including cash back. The biggest complaint (that I'm sure that many other credit union account holders have) come from the lack of options for banks when there is not a branch around. I lived far away from a DCCU branch for the past 4-5 years, and would have to drive to another credit union approximately 30 minutes away from my residence in order to deposit cash or checks, or avoid outrageous ATM fees. I also applied for a credit card, and feel as if this process goes a lot slower than many other financial institutions. Still, the benefits tend to outweigh these negatives.

Free checking account

After I graduated college, my bank started charging me a fee for my personal checking account. This is when I decided to look elsewhere, specifically in a credit union. I had heard good things through word-of-mouth about Delta Community Credit Union and decided to sign up. Their personal checking accounts were free, which was the main drawing point. After signing up, I saw there were many other benefits that have never existed at my old bank. The debit card I used offered reward points. Since I didn't have a credit card, earning rewards for purchases was a huge benefit and made me really love banking with Delta. The customer service was another strong point. Dealing with Delta with issues or mistakes on my part was met with sympathy. At my old bank they treated me like the number on my checking account. They rarely worked outside their strict guidelines or accommodated me with anything. At Delta, if I wanted to get free checks, they did that once a year. Overall, Delta showed they cared about me as a customer rather than just the money I deposited into their bank.

Absolutely HORRENDOUS!!!!

Posted by: Dcr9708 | Sep 1, 2017

Absolutely horrible!!! I will preface this by saying this was partly my fault. I had opened another checking account, transferred my money into it and left a little money in my other checking to cover coffee costs while I waited for my new debit card in the mail for my new account as I'm not near a branch. Well, I inadvertently went over. However, I caught the error of my mistake and called to explain hoping to resolve the issue only to be told we can't help you by a very rude customer service rep., including a manager. I was charged $585.00!!!!!!!!!!! in overdraft charges within a 3 day period. Was not contacted once about it because I had signed up for "Courtesy Pay" which covers you in case of overdraft. What they don't tell you is its $35.00 per transaction. Please explain to me, how the hell that is a Courtesy? Oh sure, we'll allow the $5.00 transaction but we'll bend you over on the overdraft. A "Courtesy CALL" would have been much better and would have stopped the bleeding. Was told they would reverse 2 charges but that there was nothing more they are "able" to do. These weren't $60-70-80 charges, no, these were $4-5-6 Dunkin Donut charges they were tacking on $35.00 to.

These are the people who are supposed to be looking out for your financial interest. No so. That is nothing more than "FINANCIAL RAPE and THEFT"

Again, horribly disgusting way to treat people!!!

Will DEFINITELY be looking elsewhere for a new credit union.

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Health
A+

Health Grade Components

Overall
NCUA #66357
Year Chartered1940
Employees955
Primary Regulator
Profit Margin
Return on Assets - YTD0.82%
Return on Equity - YTD6.94%
Annual Interest Income$136.1MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$5.56B$5.24B
LoansQ3 2017vs Q3 2016$4.36B$3.93B
DepositsQ3 2017vs Q3 2016$4.85B$4.57B
Equity CapitalQ3 2017vs Q3 2016$654.6MM$613.8MM
Loan Loss AllowanceQ3 2017vs Q3 2016$31.1MM$27.2MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$20.2MM$16.4MM
Real Estate OwnedQ3 2017vs Q3 2016$0$988.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Delta Community Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.48%*$100k*-Health Savings Account
OTHER TIERS: 0.23% Up to $1k | 0.31% $10k - $10k | 0.38% $25k - $50k | 0.43% $50k - $100k
0.48%*$100k*-IRA Account
OTHER TIERS: 0.23% Up to $1k | 0.31% $10k - $10k | 0.38% $25k - $50k | 0.43% $50k - $100k
0.18%--Savings Account
0.15%--Business Savings

Delta Community Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$100k*-Money Market Account
OTHER TIERS: 0.25% Up to $1k | 0.33% $10k - $10k | 0.40% $25k - $50k | 0.45% $50k - $100k
0.30%*$100k*-Business Money Market Account
OTHER TIERS: 0.20% Up to $25k | 0.25% $25k - $100k

Delta Community Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%*$1k*-Business Checking Account
OTHER TIERS: 0.05% Up to $1k
0.05%*$25k*-Checking Account
OTHER TIERS: 0.03% $5k - $25k

Delta Community Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.65%$1k-60 Month CD
1.50%$1k-12 Month CD
1.25%$1k-36 Month CD
0.95%$1k-24 Month CD
0.55%$1k-6 Month CD

Delta Community Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.65%$1k-60 Month IRA
1.50%$1k-12 Month IRA
1.25%$1k-36 Month IRA
0.95%$1k-24 Month IRA
Locations

Availability