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Delta Community Credit Union

Popular Accounts at this Credit Union

1.40%5-year CD60 Month CD
0.80%2-year CD24 Month CD
1.40%5-year IRA60 Month IRA (Traditional, Roth, CESA)

Overview / Commentary
1025 Virginia Ave
Atlanta, GA 30354-1319

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 March of 2017, it had grown to 923 employees and 354,312 members at 26 locations. Delta Community Credit Union 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.
See current membership details

Related Posts

Delta Community Checking Account $50 Bonus - 8/10/2016

The $50 bonus isn’t much, but it doesn’t take much work. It requires opening a checking account at the credit union’s promotions page, making a $50 deposit and using your free Delta Community Check Card within the first 60 days. Promotion page link Expires 12/31/2016

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Delta Community Credit Union: Much Better Than a Bank

Posted by: Asha | Oct 17, 2015

My first experience with Delta Community Credit Union was in 2011. At the time, I was working over 30 miles away from my home, and it was the closest credit union to my job. Although I had credit union relationships elsewhere, Delta Community Credit Union is part of the CUNA (Credit Union National Association) network which allows members (of other credit unions) to utilize their services. This means that anyone who has an account with a CUNA-affiliated credit union, can utilize Delta branches to do deposits, withdrawals, and wire transfers. In addition, they handle balance inquiries. At one point in time, one had to be a Delta Airlines employee in order to setup a Delta Community Credit Union account so, the accommodations that they provide for CUNA members is wonderful. To date, I have received excellent service from the employees at 3 Delta branches all located throughout the Georgia metro region. I am pleased with Delta and highly recommend them. I think they are much better than a bank.

Good Credit Union - Terrible Website

I've been with Delta for over 10 years and have had nothing but good experiences with support and had no issue with savings/checkings. The problems I have encountered were not the fault of Delta, but from some obtuse regulations that make mobile banking frustrating (such as the account transfer limit). I have had issues with my debit card's magnetic strip, but support has always been quick to resolve that.

The website is a whole other story. They attempted some changes that seem mostly positive, but overall they do not have a serious security mindset when it comes to their website (sadly the case with most online banks). They did not respond at all nor send notification of response to the heartbleed zero day, not even a recommended password reset. The website was ugly and obtuse to use, but recent changes have resolved this somewhat so my rating for web/mobile experience is 2 stars instead of 1. General navigation used to be bad, but has improved.

The fees are fairly standard and does include the unpopular "courtesy pay" fees, which can become quite expensive. Interest rates for savings accounts are low and disappointing, but nothing that that is abnormal to other credit unions and banks. I have been hit with the ugly $35 courtesy pay fee. Sadly, these overdraw fees are described as a "feature" that you can't opt out of, but you can opt out of the courtesy pay plus.


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.

This Bank Is Worthless

Posted by: nikgfan | Nov 18, 2016

I had just got paid and I had a service that was month to month, I knew I would not be using the service any longer but I paid them by a card in the past I had closed down the card to keep them from getting to my money and delta community allowed the service to go back into my account and get my money even though I had called and cancelled the service for the month and my debit card associated with that account. The people went into my account got the money after I cancelled and after I had went to the bank to prevent the withdrawal of the money. When ever a company gets money out my accounts it takes weeks and still there is no action by delta community credit union for recovery of the funds. The chip security is crap if the bank is giving away your money. The worthless bank with unethical issues.



Health Grade Components

NCUA #66357
Year Chartered1940
Primary Regulator
Profit Margin
Return on Assets - YTD0.67%
Return on Equity - YTD5.76%
Annual Interest Income$43.9MM
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$5.54B$5.16B
LoansQ1 2017vs Q1 2016$4.32B$3.76B
DepositsQ1 2017vs Q1 2016$4.88B$4.53B
Equity CapitalQ1 2017vs Q1 2016$626.6MM$584.6MM
Loan Loss AllowanceQ1 2017vs Q1 2016$29.1MM$25.5MM
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$15.4MM$15.6MM
Real Estate OwnedQ1 2017vs Q1 2016$593.00K$397.00K
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* 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

0.37%*$100k*-Health Savings Account
OTHER TIERS: 0.20% Up to $10k | 0.25% $10k - $25k | 0.30% $25k - $50k | 0.33% $50k - $100k
0.37%*$100k*-IRA Account
OTHER TIERS: 0.20% Up to $10k | 0.25% $10k - $25k | 0.30% $25k - $50k | 0.33% $50k - $100k
0.37%*$100k*-Roth IRA Account
OTHER TIERS: 0.20% Up to $10k | 0.25% $10k - $25k | 0.30% $25k - $50k | 0.33% $50k - $100k
0.37%*$100k*-CESA Account
OTHER TIERS: 0.20% Up to $10k | 0.25% $10k - $25k | 0.30% $25k - $50k | 0.33% $50k - $100k
0.15%--Savings Account
0.15%--Business Savings

Delta Community Credit Union Money Market Rates

0.40%*$100k*-Money Market Account
OTHER TIERS: 0.23% $1k - $10k | 0.27% $10k - $25k | 0.33% $25k - $50k | 0.35% $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

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

1.40%$1k-60 Month CD
1.00%$1k-36 Month CD
0.80%$1k-24 Month CD
0.60%$1k-12 Month CD
0.40%$1k-6 Month CD

Delta Community Credit Union IRA Rates

1.40%$1k-60 Month IRA
1.00%$1k-36 Month IRA
0.80%$1k-24 Month IRA
0.60%$1k-12 Month IRA

Delta Community Credit Union has 26 locations. Click to view all Delta Community Credit Union locations.