Delta Community Credit Union is headquartered in Atlanta and is the largest credit union in the state of Georgia. It is also the 40th largest credit union in the nation. It was established in 1940 and as of December of 2024, it had grown to 1,320 employees and 512,774 members at 34 locations. Delta Community Credit Union's money market rates are 5X the national average, and it has an A 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
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.
Virginia Ave Location
You can get good service if you go inside the bank but if you need to reach someone by phone after 1 p.m. on a Friday good luck no one will ever come to the phone to help you you're constantly have to send emails and messages to receive any type of feedback or help with any issue. Stick with a big Nationwide Bank or credit union before considering Delta Community Credit Union. They've been in business for a long time and still don't have a good amount a branches
Not Good To Aged Account Holders
i applied for my first loan ever with delta community and i have been with this bank for over 10 years. if you have bad credit they are not willing to work with you AT ALL. this bank need to look into helping all customers not just the ones with good credit. i see why a lot of people turn to navy federal. they look at their banking history as well as their credit. i will be leaving and taking my money else where.
DO NOT DELTA!!!!!!!!
DO NOT USE DELTA CREDIT UNION!!!! Especially if you travel around the US or out of the states. I’ve been banking with Delta for too long and I can’t even tell you all the issues I’ve had. Right now, I am currently locked out of my account and waiting on someone to contact me (can’t use card either). The worst example I have of delta is when my brother and I received an inheritance from our mother and grandmother in England. My brother was banking my with Wells Fargo and got his money within the same day. Mine…. Well I ended up loosing about 10k due to the exchange rate because Delta couldn’t figure it out I guess. This was over a year ago I have sent in multiple reports about it and you guessed it, radio silence. Nothing is ever simple with this bank and they just send you around in circles. PLEASE SAVE YOURSELF THE PROBLEM AND PICK A DIFFERENT BANK!!
NOT A GREAT BANK TO DO BUSINESS WITH
I have been a joint owner on my husband account for 4 years. My husband and I attempted to open up a business account with this bank. We took paper work into the branch and these people told us that they have to send it off because they don’t open the accounts at the local branch. I found this very odd. 3 business days later I received an email that I couldn’t be an authorized signer on the business account but my husband could be. Note: I formed this business and we are both listed as authorized signers on the Articles of Organization. They said something was on my equifax report when my credit is decent. Please don’t attempt to open a business account with this bank because they are a total joke. Another bank approved both of us for a business account the same day Delta denied me!
Data as of Q4 2024
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 66357 |
| Year Chartered | 1940 |
| Employees | 1320 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.44% |
| Return on Equity - YTD | 4.79% |
| Annual Interest Income | $344.6MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2024vs Q4 2023 | $8.65B$8.66B |
| Loans | Q4 2024vs Q4 2023 | $5.7B$5.65B |
| Deposits | Q4 2024vs Q4 2023 | $7.73B$7.38B |
| Equity Capital | Q4 2024vs Q4 2023 | $791.4MM$725.1MM |
| Loan Loss Allowance | Q4 2024vs Q4 2023 | $57.3MM$61.4MM |
| Unbacked Noncurrent Loans | Q4 2024vs Q4 2023 | $17.1MM$18.1MM |
| Real Estate Owned | Q4 2024vs Q4 2023 | $157K$0 |
