Delta Community Credit Union

Overview / Commentary
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 37th largest credit union in the nation. It was established in 1940 and as of March of 2024, it had grown to 1,308 employees and 504,860 members at 34 locations. Delta Community Credit Union's CD rates are 6X 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 Butts, Cherokee, Clayton, Cobb, Coweta, DeKalb, Douglas, Fayette, Forsyth, Fulton, Gwinnett, Hall, Henry, Paulding, Rockdale or Spaulding. Membership is also open to current, former, or retired employees of more than 125 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

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.


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.

Horrible Bank. Will Ruin Your Credit

Posted by: |

This bank is terrible. I used them years ago for 2 loans and the whole process is a nightmare. They ran my credit way too many times for the same thing. They need an extreme amount of documentation. I recently went to just see what their personal loan rates were and with no warning at all they ran my credit. Zero disclaimers. I didn't even want to use them unless they had a really low rate (which they weren't) and they told me to bad. There is no vocabulary about their loan rates what's so ever when you click to apply for a loan. It is hidden somewhere else on their website. It's the worst customer service with no response to anything at all. No one takes any blame for all the mistakes they make and all complaints fall on deaf ears. Never use this bank for anything.

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.



Health Grade Components

NCUA #66357
Year Chartered1940
Primary Regulator
Profit Margin
Return on Assets - YTD0.18%
Return on Equity - YTD2.19%
Annual Interest Income$81.2MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$8.64B$9.19B
LoansQ1 2024vs Q1 2023$5.6B$5.76B
DepositsQ1 2024vs Q1 2023$7.65B$7.79B
Equity CapitalQ1 2024vs Q1 2023$723.1MM$664.8MM
Loan Loss AllowanceQ1 2024vs Q1 2023$60.7MM$58.3MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$12.4MM$10.8MM
Real Estate OwnedQ1 2024vs Q1 2023$0$0
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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

2.00%*$1m*-IRA Account
OTHER TIERS: 0.35% $0 - $10k | 0.40% $10k - $25k | 0.45% $25k - $50k | 0.65% $50k - $100k | 0.75% $100k - $250k | 0.85% $250k - $500k | 1.25% $500k - $1m
2.00%*$1m*-CESA Account
OTHER TIERS: 0.35% $0 - $10k | 0.40% $10k - $25k | 0.45% $25k - $50k | 0.65% $50k - $100k | 0.75% $100k - $250k | 0.85% $250k - $500k | 1.25% $500k - $1m
0.75%*$100k*-Health Savings Account
OTHER TIERS: 0.35% $0 - $10k | 0.40% $10k - $10k | 0.45% $25k - $50k | 0.65% $50k - $100k
0.35%*$100k*-Business Savings
OTHER TIERS: 0.30% $0 - $100k
0.25%$0-Savings Account

Delta Community Credit Union Money Market Rates

2.25%*$1m*-Business Money Market Account
OTHER TIERS: 0.75% $0 - $25k | 1.25% $25k - $100k | 1.75% $100k - $500k | 2.00% $500k - $1m
2.00%*$1m*-Money Market Account
OTHER TIERS: 0.35% $1k - $10k | 0.40% $10k - $25k | 0.45% $25k - $50k | 0.65% $50k - $100k | 0.75% $100k - $250k | 0.85% $250k - $500k | 1.25% $500k - $1m

Delta Community Credit Union Checking Account Rates

0.25%*$100k*-Business Checking Account
OTHER TIERS: 0.20% $0 - $100k
0.10%$0-Checking Account

Delta Community Credit Union CD Rates

4.95%$1k-12 Month CD
4.25%$1k-24 Month CD
4.00%$1k-6 Month CD
3.85%$1k-36 Month CD
3.85%$1k-60 Month CD

Delta Community Credit Union IRA Rates

4.95%$1k-12 Month IRA
4.25%$1k-24 Month IRA
3.85%$1k-36 Month IRA
3.85%$1k-60 Month IRA


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