Delta Community Credit Union is headquartered in Atlanta and is the largest credit union in the state of Georgia. It is also the 28th largest credit union in the nation. It was established in 1940 and as of June of 2023, it had grown to 1,289 employees and 490,294 members at 32 locations. Delta Community Credit Union's CD rates are 6X the national average, and it has a B health rating.
Field of Membership Restrictions
Membership in Delta Community Credit Union is open to those who live or work in the Georgia counties of Butts, Cherokee, Clayton, Cobb, Coweta, DeKalb, Douglas, Fayette, Forsyth, Fulton, Gwinnett, Hall, Henry, Paulding, Rockdale or Spaulding. Membership is also open to current, former, or retired employees of more than 125 businesses, including Delta Air Lines, Inc., Amerifleet Transportation, and Corporate Services Management America. Members of 13 organizations, including Morehouse College National Alumni Association, are also eligible to join.
See current membership details
Related Posts
11/9/10 - Competitive 5-Year CD Rate at Delta Community Credit Union - Easy Membership
7/9/10 - Top 24-Month CD Rate at Delta Community Credit Union - Easy Membership
4/29/10 - Competitive CD Rates at Delta Community Credit Union - Easy Membership
11/7/09 - Competitive Money Market Account at Delta Community CU - Easy Membership
9/1/09 - 2.35% 12-Month CD at Delta Community Credit Union - Easy Membership
5/25/09 - 2.85% 12-Month CD & Other Competitive CD Rates at Delta Community Credit Union - Easy Membership
2/26/09 - 3.00% 12-Month CD at Delta Community Credit Union - Easy Membership
12/12/08 - Delta Community Credit Union's 4.50% 12-month CD Ending on Dec 13th
11/2/08 - 4.50% 12-Month CD at Delta Community Credit Union - Easy Membership
11/1/08 - 5.65% 60-Month CD at a Georgia CU - Easy Membership (Delta Community)
Not A Solid Credit Union
Lines are always long anytime you visit a branch, and the employees do not really seem to care about their members. Delta Community is such a large credit union that you tend to have the "big bank" feel anytime you deal with them. They are very very conservative with their lending, and any time I have checked rates with them they are not competitive at all. Really the only reason that I keep my account open is so if I need a local bank to cash a check at I am able to do so. Delta Community has lost all respect from me a long time ago, and has not been my primary bank for a long time.
Frustrating
I've had one frustrating problem after another since switching to Delta Community Credit Union. Their online banking system is PLAGUED with problems, and their tech support's response is basically "Oh well. Sorry."
At one time, I had ~$35,000 in their money market from which I transfer money monthly to pay bills. If I schedule a transfer on the same day a payment from their Bill Pay system goes out, I get dinged with a "overdraft" fee because the transfer is credited AFTER the bill payments are deducted. The. Same. Freaking. Day.
I'm on this site looking for somewhere else to bank that won't give me so much trouble.
Horrible Bank. Will Ruin Your Credit
This bank is terrible. I used them years ago for 2 loans and the whole process is a nightmare. They ran my credit way too many times for the same thing. They need an extreme amount of documentation. I recently went to just see what their personal loan rates were and with no warning at all they ran my credit. Zero disclaimers. I didn't even want to use them unless they had a really low rate (which they weren't) and they told me to bad. There is no vocabulary about their loan rates what's so ever when you click to apply for a loan. It is hidden somewhere else on their website. It's the worst customer service with no response to anything at all. No one takes any blame for all the mistakes they make and all complaints fall on deaf ears. Never use this bank for anything.
Love This Credit Union
I have been banking with DCCU for 21 years. I love how my husband and I can link all accounts over the web, how a rep calls if there is any suspicious activity on our credit cards, reps are always professional and helpful when I call. The reps in the bank are are friendly and take care of our needs. I recommend DCCU to anyone looking for a new bank.
Data as of Q2 2023
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 66357 |
| Year Chartered | 1940 |
| Employees | 1289 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.48% |
| Return on Equity - YTD | 6.57% |
| Annual Interest Income | $150.1MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2023vs Q2 2022 | $8.85B$9.29B |
| Loans | Q2 2023vs Q2 2022 | $5.74B$5.64B |
| Deposits | Q2 2023vs Q2 2022 | $7.66B$8.28B |
| Equity Capital | Q2 2023vs Q2 2022 | $655.6MM$679.7MM |
| Loan Loss Allowance | Q2 2023vs Q2 2022 | $0$42.1MM |
| Unbacked Noncurrent Loans | Q2 2023vs Q2 2022 | $14.1MM$9.3MM |
| Real Estate Owned | Q2 2023vs Q2 2022 | $0$0 |
