Delta Community Credit Union is headquartered in Atlanta and is the largest credit union in the state of Georgia. It is also the 24th largest credit union in the nation. It was established in 1940 and as of September of 2022, it had grown to 1,222 employees and 476,042 members at 32 locations. Delta Community Credit Union's CD rates are 4X the national average, and it has a B+ 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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4/29/10 - Competitive CD Rates at Delta Community Credit Union - Easy Membership
11/7/09 - Competitive Money Market Account at Delta Community CU - Easy Membership
9/1/09 - 2.35% 12-Month CD at Delta Community Credit Union - Easy Membership
5/25/09 - 2.85% 12-Month CD & Other Competitive CD Rates at Delta Community Credit Union - Easy Membership
2/26/09 - 3.00% 12-Month CD at Delta Community Credit Union - Easy Membership
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11/2/08 - 4.50% 12-Month CD at Delta Community Credit Union - Easy Membership
11/1/08 - 5.65% 60-Month CD at a Georgia CU - Easy Membership (Delta Community)
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
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.
Data as of Q3 2022
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 66357 |
| Year Chartered | 1940 |
| Employees | 1222 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.78% |
| Return on Equity - YTD | 12.07% |
| Annual Interest Income | $176.0MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q3 2022vs Q3 2021 | $9.22B$8.81B |
| Loans | Q3 2022vs Q3 2021 | $5.71B$5.00B |
| Deposits | Q3 2022vs Q3 2021 | $8.20B$7.86B |
| Equity Capital | Q3 2022vs Q3 2021 | $597.6MM$872.6MM |
| Loan Loss Allowance | Q3 2022vs Q3 2021 | $43.0MM$39.2MM |
| Unbacked Noncurrent Loans | Q3 2022vs Q3 2021 | $10.0MM$9.7MM |
| Real Estate Owned | Q3 2022vs Q3 2021 | $0$0 |
