Delta Community Credit Union
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | HOW THEY COMPARE |
|---|---|---|
| 2.15% | 5-year CD | 3.10% - Synchrony Bank 60 Month CD |
| 1.45% | 2-year CD | 2.75% - Synchrony Bank 24 Month CD |
| 2.15% | 5-year IRA | 2.08% - National Average |
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.
See current membership details
Related Posts
7/9 - Top 24-Month CD Rate at Delta Community Credit Union - Easy Membership
4/29 - Competitive CD Rates at Delta Community Credit Union - 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)
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
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
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.
Data as of Q2 2018
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 66357 |
| Year Chartered | 1940 |
| Employees | 1006 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.09% |
| Return on Equity - YTD | 9.27% |
| Annual Interest Income | $98.9MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2018vs Q2 2017 | $5.79B$5.51B |
| Loans | Q2 2018vs Q2 2017 | $4.58B$4.40B |
| Deposits | Q2 2018vs Q2 2017 | $5.05B$4.83B |
| Equity Capital | Q2 2018vs Q2 2017 | $684.6MM$641.4MM |
| Loan Loss Allowance | Q2 2018vs Q2 2017 | $29.8MM$31.2MM |
| Unbacked Noncurrent Loans | Q2 2018vs Q2 2017 | $18.0MM$17.1MM |
| Real Estate Owned | Q2 2018vs Q2 2017 | $5.1MM$563.00K |
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
| APY | MIN | MAX | ACCOUNT NAME | VIEW 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW 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 |
