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Delta Community Credit Union

Popular Accounts at this Credit Union

1.65%5-year CD60 Month CD
0.95%2-year CD24 Month CD
1.65%5-year IRA60 Month IRA (Traditional, Roth, CESA)

Overview / Commentary
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 25th largest credit union in the nation. It was established in 1940 and as of March of 2017, it had grown to 923 employees and 354,312 members at 26 locations. Delta Community Credit Union's money market rates are 14% higher than the national average, and it boasts 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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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.

Free checking account

After I graduated college, my bank started charging me a fee for my personal checking account. This is when I decided to look elsewhere, specifically in a credit union. I had heard good things through word-of-mouth about Delta Community Credit Union and decided to sign up. Their personal checking accounts were free, which was the main drawing point. After signing up, I saw there were many other benefits that have never existed at my old bank. The debit card I used offered reward points. Since I didn't have a credit card, earning rewards for purchases was a huge benefit and made me really love banking with Delta. The customer service was another strong point. Dealing with Delta with issues or mistakes on my part was met with sympathy. At my old bank they treated me like the number on my checking account. They rarely worked outside their strict guidelines or accommodated me with anything. At Delta, if I wanted to get free checks, they did that once a year. Overall, Delta showed they cared about me as a customer rather than just the money I deposited into their bank.


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.

Will Not Do Business With Delta Community Credit Union Again

I have been a loyal member for over 10 years and haven't been late or missed a single payment in over ten seven years. I had a six figure job with perfect credit. Then my wife became disabled and I went three months unemployed. I was rehired by a new company. I asked for a signature loan to allow me to relocate for my new job. The credit union at first approved my loan, based on my credit, but when they found out that I hadn't started my new job yet they disapproved it. They did this despite my new company providing them with my offer letter and all information that the credit union requested. They then changed the criteria and said they needed at least two pay stubs from the new job. In the end, it ended up causing a big inconvenience and significant expense for me. What is the point of having perfect credit, if you can't use it when you need it. I am now employed again and making decent money. I will not entrust Delta Community Credit Union with money again due to their disloyalty.



Health Grade Components

NCUA #66357
Year Chartered1940
Primary Regulator
Profit Margin
Return on Assets - YTD0.67%
Return on Equity - YTD5.76%
Annual Interest Income$43.9MM
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$5.54B$5.16B
LoansQ1 2017vs Q1 2016$4.32B$3.76B
DepositsQ1 2017vs Q1 2016$4.88B$4.53B
Equity CapitalQ1 2017vs Q1 2016$626.6MM$584.6MM
Loan Loss AllowanceQ1 2017vs Q1 2016$29.1MM$25.5MM
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$15.4MM$15.6MM
Real Estate OwnedQ1 2017vs Q1 2016$593.00K$397.00K
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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

0.48%*$100k*-Health Savings Account
OTHER TIERS: 0.23% Up to $10k | 0.31% $10k - $25k | 0.38% $25k - $50k | 0.43% $50k - $100k
0.48%*$100k*-IRA Account
OTHER TIERS: 0.23% Up to $10k | 0.31% $10k - $25k | 0.38% $25k - $50k | 0.43% $50k - $100k
0.18%--Savings Account
0.15%--Business Savings

Delta Community Credit Union Money Market Rates

0.50%*$100k*-Money Market Account
OTHER TIERS: 0.25% $1k - $10k | 0.33% $10k - $25k | 0.40% $25k - $50k | 0.45% $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

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

1.65%$1k-60 Month CD
1.25%$1k-36 Month CD
0.95%$1k-24 Month CD
0.75%$1k-12 Month CD
0.55%$1k-6 Month CD

Delta Community Credit Union IRA Rates

1.65%$1k-60 Month IRA
1.25%$1k-36 Month IRA
0.95%$1k-24 Month IRA
0.75%$1k-12 Month IRA

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