Delta Community Credit Union


Overview / Commentary
404-715-4725
3250 Riverwood Pkwy Se
Atlanta, GA 30339

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

Love This Credit Union

Posted by: |

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

Posted by: |

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.

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Health
A+

Health Grade Components

Overall
NCUA #66357
Year Chartered1940
Employees1146
Primary Regulator
Profit Margin
Return on Assets - YTD0.66%
Return on Equity - YTD6.29%
Annual Interest Income$51.8MM
Assets and Liabilities
AssetsQ1 2021vs Q1 2020$8.32B$6.50B
LoansQ1 2021vs Q1 2020$4.78B$4.85B
DepositsQ1 2021vs Q1 2020$7.37B$5.63B
Equity CapitalQ1 2021vs Q1 2020$844.4MM$814.3MM
Loan Loss AllowanceQ1 2021vs Q1 2020$42.1MM$35.5MM
Unbacked Noncurrent LoansQ1 2021vs Q1 2020$8.2MM$16.4MM
Real Estate OwnedQ1 2021vs Q1 2020$790.00K$3.9MM
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%*$100k*-Health Savings Account
OTHER TIERS: 0.15% Up to $1k | 0.22% $10k - $10k | 0.27% $25k - $50k | 0.30% $50k - $100k
0.35%*$100k*-IRA Account
OTHER TIERS: 0.15% Up to $10k | 0.22% $10k - $25k | 0.27% $25k - $50k | 0.30% $50k - $100k
0.12%--Business Savings
0.08%--Savings Account

Delta Community Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.38%*$100k*-Money Market Account
OTHER TIERS: 0.17% $1k - $10k | 0.25% $10k - $25k | 0.30% $25k - $50k | 0.33% $50k - $100k
0.28%*$100k*-Business Money Market Account
OTHER TIERS: 0.18% Up to $25k | 0.23% $25k - $100k

Delta Community Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.08%*$1k*-Business Checking Account
OTHER TIERS: 0.03% Up to $1k
0.02%*$25k*-Checking Account
OTHER TIERS: 0.01% $5k - $25k

Delta Community Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.15%$1k-60 Month CD
0.95%$1k-36 Month CD
0.80%$1k-24 Month CD
0.65%$1k-12 Month CD
0.35%$1k-6 Month CD

Delta Community Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.15%$1k-60 Month IRA
0.95%$1k-36 Month IRA
0.80%$1k-24 Month IRA
0.65%$1k-12 Month IRA
Locations

Availability



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