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 28th largest credit union in the nation. It was established in 1940 and as of June of 2020, it had grown to 1,090 employees and 419,413 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 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.

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.

BANK MALTREATS CUSTOMERS

I usually dont write review, but this bank is awful. They care dont about their customers and they encourage their reps to be rude to customers.
My advice RUN RUN..please bank with an institution that will value your business.I regret the number of years I wasted with this bank!

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Health
A+

Health Grade Components

Overall
NCUA #66357
Year Chartered1940
Employees1090
Primary Regulator
Profit Margin
Return on Assets - YTD0.58%
Return on Equity - YTD4.74%
Annual Interest Income$114.5MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$7.03B$5.96B
LoansQ2 2020vs Q2 2019$4.89B$4.70B
DepositsQ2 2020vs Q2 2019$6.15B$5.12B
Equity CapitalQ2 2020vs Q2 2019$824.5MM$758.2MM
Loan Loss AllowanceQ2 2020vs Q2 2019$40.0MM$31.5MM
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$14.1MM$17.7MM
Real Estate OwnedQ2 2020vs Q2 2019$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
0.47%*$100k*-Health Savings Account
OTHER TIERS: 0.17% Up to $1k | 0.27% $10k - $10k | 0.37% $25k - $50k | 0.42% $50k - $100k
0.47%*$100k*-IRA Account
OTHER TIERS: 0.17% Up to $10k | 0.27% $10k - $25k | 0.37% $25k - $50k | 0.42% $50k - $100k
0.15%--Business Savings
0.10%--Savings Account

Delta Community Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$100k*-Money Market Account
OTHER TIERS: 0.20% $1k - $10k | 0.30% $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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%*$1k*-Business Checking Account
OTHER TIERS: 0.05% Up to $1k
0.02%*$25k*-Checking Account
OTHER TIERS: 0.01% $5k - $25k

Delta Community Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.35%$1k-60 Month CD
1.15%$1k-36 Month CD
1.00%$1k-24 Month CD
0.80%$1k-12 Month CD
0.35%$1k-6 Month CD

Delta Community Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.35%$1k-60 Month IRA
1.15%$1k-36 Month IRA
1.00%$1k-24 Month IRA
0.80%$1k-12 Month IRA
Locations

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