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 2021, it had grown to 1,146 employees and 439,874 members at 30 locations. Delta Community Credit Union 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 Cherokee, Clayton, Cobb, Coweta, DeKalb, Douglas, Fayette, Forsyth, Fulton, Gwinnett, Hall, Henry, Paulding, or Rockdale. Membership is also open to current, former, or retired employees of more than 140 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
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11/7/09 - Competitive Money Market Account at Delta Community CU - Easy Membership
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Love This Credit Union
I have been banking with DCCU for 21 years. I love how my husband and I can link all accounts over the web, how a rep calls if there is any suspicious activity on our credit cards, reps are always professional and helpful when I call. The reps in the bank are are friendly and take care of our needs. I recommend DCCU to anyone looking for a new bank.
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.
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
Frustrating
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.
Data as of Q1 2021
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 66357 |
| Year Chartered | 1940 |
| Employees | 1146 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.66% |
| Return on Equity - YTD | 6.29% |
| Annual Interest Income | $51.8MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2021vs Q1 2020 | $8.32B$6.50B |
| Loans | Q1 2021vs Q1 2020 | $4.78B$4.85B |
| Deposits | Q1 2021vs Q1 2020 | $7.37B$5.63B |
| Equity Capital | Q1 2021vs Q1 2020 | $844.4MM$814.3MM |
| Loan Loss Allowance | Q1 2021vs Q1 2020 | $42.1MM$35.5MM |
| Unbacked Noncurrent Loans | Q1 2021vs Q1 2020 | $8.2MM$16.4MM |
| Real Estate Owned | Q1 2021vs Q1 2020 | $790.00K$3.9MM |
