Overview / Commentary
404-715-4725
3250 Riverwood Pkwy Se
Atlanta, GA 30339

Delta Community Credit Union is headquartered in Atlanta and is the largest credit union in the state of Georgia. It is also the 26th largest credit union in the nation. It was established in 1940 and as of June of 2018, it had grown to 1,006 employees and 378,836 members at 27 locations. Delta Community Credit Union's money market rates are 93% higher than the national average, and it has 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.
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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.

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.

Delta Community Credit Union: Much Better Than a Bank

Posted by: Asha | Oct 17, 2015

My first experience with Delta Community Credit Union was in 2011. At the time, I was working over 30 miles away from my home, and it was the closest credit union to my job. Although I had credit union relationships elsewhere, Delta Community Credit Union is part of the CUNA (Credit Union National Association) network which allows members (of other credit unions) to utilize their services. This means that anyone who has an account with a CUNA-affiliated credit union, can utilize Delta branches to do deposits, withdrawals, and wire transfers. In addition, they handle balance inquiries. At one point in time, one had to be a Delta Airlines employee in order to setup a Delta Community Credit Union account so, the accommodations that they provide for CUNA members is wonderful. To date, I have received excellent service from the employees at 3 Delta branches all located throughout the Georgia metro region. I am pleased with Delta and highly recommend them. I think they are much better than a bank.

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Health

Health Grade Components

Overall
NCUA #66357
Year Chartered1940
Employees1006
Primary Regulator
Profit Margin
Return on Assets - YTD1.09%
Return on Equity - YTD9.27%
Annual Interest Income$98.9MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$5.79B$5.51B
LoansQ2 2018vs Q2 2017$4.58B$4.40B
DepositsQ2 2018vs Q2 2017$5.05B$4.83B
Equity CapitalQ2 2018vs Q2 2017$684.6MM$641.4MM
Loan Loss AllowanceQ2 2018vs Q2 2017$29.8MM$31.2MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$18.0MM$17.1MM
Real Estate OwnedQ2 2018vs Q2 2017$5.1MM$563.00K
Rates
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Always verify rates and promotions with the bank or credit union. We are not Delta Community Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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
0.83%*$100k*-Health Savings Account
OTHER TIERS: 0.50% Up to $1k | 0.60% $10k - $10k | 0.70% $25k - $50k | 0.75% $50k - $100k
0.83%*$100k*-IRA Account
OTHER TIERS: 0.50% Up to $1k | 0.60% $10k - $10k | 0.70% $25k - $50k | 0.75% $50k - $100k
0.35%--Savings Account
0.20%--Business Savings

Delta Community Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.85%*$100k*-Money Market Account
OTHER TIERS: 0.53% Up to $1k | 0.63% $10k - $10k | 0.73% $25k - $50k | 0.78% $50k - $100k
0.38%*$100k*-Business Money Market Account
OTHER TIERS: 0.28% Up to $25k | 0.33% $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
2.15%$1k-60 Month CD
1.75%$1k-36 Month CD
1.45%$1k-24 Month CD
1.40%$1k-12 Month CD
1.05%$1k-6 Month CD

Delta Community Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.15%$1k-60 Month IRA
1.75%$1k-36 Month IRA
1.45%$1k-24 Month IRA
1.40%$1k-12 Month IRA
Locations

Availability



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