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 27th largest credit union in the nation. It was established in 1940 and as of June of 2019, it had grown to 1,011 employees and 400,396 members at 29 locations. Delta Community Credit Union's money market rates are 2X the national average, and it has 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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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.

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.

Warning!!!

Posted by: GaryF | Jan 16, 2019

Delta Community Credit Union is NOT customer friendly. This institution watches, manipulates & holds back checks and drafts until a customers bank account is low enough to trigger an automatic overdraft fee of $35. Want proof? In my account I have a regularly scheduled draft of $46.17 that withdraws on the 16th of each month, unless it's a weekend then it drafts the day after. In December, 2018 the 16th fell on Sunday, draft didn't come out until Tuesday the 18th. I don't have much money & I HAVE to monitor my account closely to avoid fees. Today is January 16th, 2019 at 7:30 A.M. EST. Bank is not even open yet. The $46.17 is already drafted and I had a check for $59 come through last night throwing me a few doolars under the $46.17 & BAM! over draft fee of $35. This isn't the first time this sorry institution has done this. AVOID AT ALL COSTS!!!.....Delta Community Credit Union is a CROOKED Bank.

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Health

Health Grade Components

Overall
NCUA #66357
Year Chartered1940
Employees1011
Primary Regulator
Profit Margin
Return on Assets - YTD1.16%
Return on Equity - YTD9.15%
Annual Interest Income$113.9MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$5.96B$5.79B
LoansQ2 2019vs Q2 2018$4.70B$4.58B
DepositsQ2 2019vs Q2 2018$5.12B$5.05B
Equity CapitalQ2 2019vs Q2 2018$758.2MM$684.6MM
Loan Loss AllowanceQ2 2019vs Q2 2018$31.5MM$29.8MM
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$17.7MM$18.0MM
Real Estate OwnedQ2 2019vs Q2 2018$3.9MM$5.1MM
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
0.95%*$100k*-Health Savings Account
OTHER TIERS: 0.62% Up to $1k | 0.72% $10k - $10k | 0.77% $25k - $50k | 0.87% $50k - $100k
0.95%*$100k*-IRA Account
OTHER TIERS: 0.62% Up to $10k | 0.72% $10k - $25k | 0.77% $25k - $50k | 0.87% $50k - $100k
0.35%--Savings Account
0.20%--Business Savings

Delta Community Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.97%*$100k*-Money Market Account
OTHER TIERS: 0.65% $1k - $10k | 0.75% $10k - $25k | 0.80% $25k - $50k | 0.90% $50k - $100k
0.45%*$100k*-Business Money Market Account
OTHER TIERS: 0.35% Up to $25k | 0.40% $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
0.05%*$25k*-Checking Account
OTHER TIERS: 0.03% $5k - $25k

Delta Community Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.35%$1k-60 Month CD
1.90%$1k-36 Month CD
1.80%$1k-24 Month CD
1.75%$1k-12 Month CD
1.10%$1k-6 Month CD

Delta Community Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.35%$1k-60 Month IRA
1.90%$1k-36 Month IRA
1.80%$1k-24 Month IRA
1.75%$1k-12 Month IRA
Locations

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