Delta Community Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
1.25%	5-year CD	60 Month CD 1.85% - Synchrony Bank 60 Month CD
0.65%	2-year CD	24 Month CD 1.30% - Ally Bank Raise Your Rate 2-Year CD
1.25%	5-year IRA	60 Month IRA (Traditional, Roth, CESA) 1.41% - National Average

View all Delta Community Credit Union rates »

Overview / Commentary

www.deltacommunitycu.com

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 25^th largest credit union in the nation. It was established in 1940 and as of June of 2016, it had grown to 835 employees and 341,415 members at 26 locations. Delta Community Credit Union 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

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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1

Delta Community Credit Union is awesome!

Posted by: Moejoe128 | Jul 5, 2015

I have been with Delta Community Credit Union for over three years now and I really love it! They don't charges a whole bunch of fees and even give you one to two times overdraft forgiveness where you don't have to pay a 25 dollar fee for overdrafting your account. You can deposit or withdrawal money with them through the ATMs at each facility. Or you can deposit or withdrawal through their outside drive thru or go inside. They do not charge a monthly fee to bank with them like big companies such as Bank of America or Wells Fargo. The only thing I wish is that they had more ATMS that linked to their Credit Union. They have really good customer service and a nice and friendly staff. They also have nice facilities that are mostly new. I would recommend to many people and have already recommended them to a few of my friends. They also give you 25 bucks for every referral you bring!

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Frustrating

Posted by: rottndandie | Sep 23, 2015

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.

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Wonderful Credit Union

Posted by: jdb | May 9, 2012

I have a daughter who lives in Atlanta. I had her set-up a checking and savings account at Delta Community CU. Then, once she was a member, I was then eligible and I also set-up a savings account there. They have an office in the Cincinnati area since Delta USED to have a big presense in Cincinnati.

But I can easily do most banking using the Internet. While their system is not the greatest, it is very adequate. When I am visiting in Atlanta, I can go to one of the branches there and conduct business. They have a lot of branches in the Atlanta area.

Plus, I can transfer funds from my account to my daughter's accounts when the grandchild needs something.

I also have a Visa card with them that provides rewards for using it.

The service has been friendly and excellent. BTW, right now at .25%, their savings interest rate is one of the highest around on a basic savings account.

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Health

A+

Data as of Q2 2016

Learn more about bank health

Health Grade Components

Overall
NCUA #	66357
Year Chartered	1940
Employees	835
Primary Regulator

Profit Margin
Return on Assets - YTD	1%
Return on Equity - YTD	8.61%
Annual Interest Income	$83.3MM

Assets and Liabilities
Assets	Q2 2016vs Q2 2015	$5.21B$4.83B
Loans	Q2 2016vs Q2 2015	$3.94B$3.41B
Deposits	Q2 2016vs Q2 2015	$4.51B$4.24B
Equity Capital	Q2 2016vs Q2 2015	$600.9MM$542.9MM
Loan Loss Allowance	Q2 2016vs Q2 2015	$26.6MM$29.1MM
Unbacked Noncurrent Loans	Q2 2016vs Q2 2015	$17.3MM$17.2MM
Real Estate Owned	Q2 2016vs Q2 2015	$1.0MM$1.2MM

User-submitted Promotions & Notices

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This section lists recent deals, promotions and rate changes submitted by our community within the past 90 days. Always verify official rates and promotions with the bank or credit union.

Delta Community Checking Account $50 Bonus

tommyn | Aug 10, 2016

The $50 bonus isn’t much, but it doesn’t take much work. It requires opening a checking account at the credit union’s promotions page, making a $50 deposit and using your free Delta Community Check Card within the first 60 days.

Promotion page link

Expires 12/31/2016

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2

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

APY	MIN	MAX	ACCOUNT NAME
0.30%^*	$100k^*	-	Health Savings Account
OTHER TIERS: 0.20% → Up to $10k \| 0.23% → $10k - $25k \| 0.25% → $25k - $50k \| 0.28% → $50k - $100k
0.30%^*	$100k^*	-	IRA Account
OTHER TIERS: 0.20% → Up to $10k \| 0.23% → $10k - $25k \| 0.25% → $25k - $50k \| 0.28% → $50k - $100k
0.30%^*	$100k^*	-	Roth IRA Account
OTHER TIERS: 0.20% → Up to $10k \| 0.23% → $10k - $25k \| 0.25% → $25k - $50k \| 0.28% → $50k - $100k
0.30%^*	$100k^*	-	CESA Account
OTHER TIERS: 0.20% → Up to $10k \| 0.23% → $10k - $25k \| 0.25% → $25k - $50k \| 0.28% → $50k - $100k
0.15%	-	-	Savings Account
0.15%	-	-	Business Savings

Delta Community Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.33%^*	$100k^*	-	Money Market Account
OTHER TIERS: 0.20% → $1k - $10k \| 0.23% → $10k - $25k \| 0.28% → $25k - $50k \| 0.30% → $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

APY	MIN	MAX	ACCOUNT NAME
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
1.25%	$1k	-	60 Month CD
0.85%	$1k	-	36 Month CD
0.65%	$1k	-	24 Month CD
0.45%	$1k	-	12 Month CD
0.30%	$1k	-	6 Month CD

Delta Community Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.25%	$1k	-	60 Month IRA
0.85%	$1k	-	36 Month IRA
0.65%	$1k	-	24 Month IRA
0.45%	$1k	-	12 Month IRA

Locations

Delta Community Credit Union has 26 locations. Click to view all Delta Community Credit Union locations.