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 June of 2022, it had grown to 1,203 employees and 470,875 members at 32 locations. Delta Community Credit Union's money market rates are 18% higher than 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 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

Banking with DECU

DECU (Delta Community Credit Union) is a great way to bank. They offer friendly associates who are helpful and anticipated my needs since I joined.
Once I had my children we contacted DECU to create accounts for them. The bank assigned me a point of contact and a meeting time that worked with my schedule. During the meeting we discussed the best Saving options for my children. Once the accounts were created they presented a variety of piggy bank options that were a big win with my little ones. The cost fees are low or non existent and I am able to bank for me and my family with assurance that my money and time are respected. Banking with Checking, Savings and investments at DECU has provided me to focus on my short and long term goals for financial success. The only part of the DECU that is under improvement is the Web/Mobile area. They are fast improving this process and I am looking forward to the benefits.

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Health

Health Grade Components

Overall
NCUA #66357
Year Chartered1940
Employees1203
Primary Regulator
Profit Margin
Return on Assets - YTD0.65%
Return on Equity - YTD8.82%
Annual Interest Income$111.4MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$9.29B$8.56B
LoansQ2 2022vs Q2 2021$5.64B$4.93B
DepositsQ2 2022vs Q2 2021$8.28B$7.61B
Equity CapitalQ2 2022vs Q2 2021$679.7MM$863.1MM
Loan Loss AllowanceQ2 2022vs Q2 2021$42.1MM$40.0MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$9.3MM$9.4MM
Real Estate OwnedQ2 2022vs Q2 2021$0$790.00K
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
0.52%*$100k*-Health Savings Account
OTHER TIERS: 0.25% Up to $1k | 0.30% $10k - $10k | 0.40% $25k - $50k | 0.47% $50k - $100k
0.52%*$100k*-IRA Account
OTHER TIERS: 0.25% Up to $10k | 0.30% $10k - $25k | 0.40% $25k - $50k | 0.47% $50k - $100k
0.18%--Savings Account
0.18%--Business Savings

Delta Community Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.52%*$100k*-Money Market Account
OTHER TIERS: 0.25% $1k - $10k | 0.30% $10k - $25k | 0.40% $25k - $50k | 0.47% $50k - $100k
0.42%*$1m*-Business Money Market Account
OTHER TIERS: 0.28% Up to $25k | 0.33% $25k - $100k | 0.38% $100k - $1m

Delta Community Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$100k*-Business Checking Account
OTHER TIERS: 0.10% Up to $1k | 0.12% $1k - $100k
0.02%*$25k*-Checking Account
OTHER TIERS: 0.01% $5k - $25k

Delta Community Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%$1k-60 Month CD
1.20%$1k-36 Month CD
1.00%$1k-24 Month CD
0.85%$1k-12 Month CD
0.60%$1k-6 Month CD

Delta Community Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%$1k-60 Month IRA
1.20%$1k-36 Month IRA
1.00%$1k-24 Month IRA
0.85%$1k-12 Month IRA
Locations

Availability



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