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Delta Community Credit Union is a good option if you live in Metro Atlanta. You might like it if you want free checking and savings accounts, high interest rates on CDs, or the ability to earn points for rewards like travel and cash back. Depending on the CD term, some of its rates are on par with the best CD rates out there right now.
Delta Community Credit Union Overall Rating
| Feature | Personal Finance Insider rating (out of 5) |
| Savings | 3.75 |
| Checking | 4 |
| CD | 4 |
| Money market account | 4.25 |
| Trustworthiness | 5 |
| Total | 4.25 |
Delta Community Credit Union Pros and Cons
| Pros | Cons |
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Delta Community Credit Union Personal Savings Account Review
no monthly service fee
0.25%
$5
- $5 minimum opening deposit
- No monthly service fees
- Low interest rate
- Interest compounds monthly, not daily
- Credit union with 29 branches in Metro Atlanta, Georgia; 1 branch in Kentucky, Texas, and Utah
- Free shared branches and ATMs around the US in the CO-OP Shared Branch Network
- Membership depends on employer/association membership; or you can be a resident of certain counties in Georgia or have a family member who is already a member
- Interest compounded monthly, paid monthly
- Federally insured by the NCUA
You may like the Delta Community Credit Union Personal Savings Account if you want an account with no monthly service fee. The account pays a low interest rate, though, and you can earn significantly more with one of the best high-yield savings accounts online.
Compare Today's Rates
Delta Community Credit Union Personal Checking Account Review
no monthly service fee
0.00% to 0.02%
$0
- No minimum opening deposit
- No monthly service fees
- Earn rewards
- No out-of-network ATM fees
- $35 overdraft fee
- $3 overdraft protection fee when you sweep money from savings into checking
- Does not reimburse any fees charged by out-of-network ATM providers
- Credit union with 29 branches in Metro Atlanta, Georgia; 1 branch in Kentucky, Texas, and Utah
- Free shared branches and ATMs around the US in the CO-OP Shared Branch Network
- Membership depends on employer/association membership; or you can be a resident of certain counties in Georgia or have a family member who is already a member
- Enroll in the rewards program and earn 1 reward point for every $3, and redeem points for cash back, travel, theme parks, and more
- Interest compounded monthly, paid monthly
- Federally insured by the NCUA
The Delta Community Credit Union Personal Checking Account is an affordable option with no minimum opening deposit or monthly fees. If you enroll in the rewards program, you'll earn points to spend on categories like cash back, travel, gift cards, concerts, and more.
Delta Community Credit Union CD Review
3.00% to 4.05%
$1,000
- Competitive APY
- Low-to-standard early withdrawal penalties
- $1,000 opening deposit
- Interest compounded monthly, not daily
- Credit union with 29 branches in Metro Atlanta, Georgia; 1 branch in Kentucky, Texas, and Utah
- Free shared branches and ATMs around the US in the CO-OP Shared Branch Network
- Membership depends on employer/association membership; or you can be a resident of certain counties in Georgia or have a family member who is already a member
- Term lengths of 6, 12, 24, 36, or 60 months
- Early withdrawal penalties ranging from 60 to 270 days interest
- Interest is compounded monthly and paid monthly
The Delta Community Credit Union CD pays competitive interest rates. It's a great option if you have $1,000 to open an account.
Delta Community Credit Union Money Market Account Review
no monthly service fee
0.30% to 2.00%
None
- No minimum opening deposit
- No monthly service fees
- Pays higher interest rates than the regular savings account
- Includes an ATM card and paper checks
- No out-of-network ATM fees
- No interest earned on balances under $1,000
- Interest compounds monthly, not daily
- Does not reimburse any fees charged by out-of-network ATM providers
- Credit union with 29 branches in Metro Atlanta, Georgia; 1 branch in Kentucky, Texas, and Utah
- Free shared branches and ATMs around the US in the CO-OP Shared Branch Network
- Membership depends on employer/association membership; or you can be a resident of certain counties in Georgia or have a family member who is already a member
- Tiered interest rate system: Start earning interest with a $1k balance, increase your rate at $10k, $25k, $50k, and $100k
- Interest compounded monthly, paid monthly
- Federally insured by the NCUA
You may prefer the Delta Community Credit Union Money Market Account to the regular savings account if you can maintain a $1,000 balance, because then you'll earn a higher interest rate. But rates are still low compared to what you'll earn with any of the options in our best money market accounts guide.
About Delta Community Credit Union
Delta Community Credit Union is an institution with 29 branches in the Metro Atlanta area. There are also single branches in Kentucky (Florence), Utah (Salt Lake City International Airport), and Texas (Southlake).
The credit union is part of the CO-OP Shared Branch Network, so you have free access to 30,000 ATMs and 5,000 shared branches around the US. You can't open an account at a shared branch, but you can receive assistance.
The Delta Community Credit Union mobile app has 4.9 out of 5 stars in the Apple store, and 4.8 out of 5 stars in the Google Play store.
Your deposits are federally insured by the NCUA for up to $250,000, or up to $500,000 for joint accounts. This means your money is safe even if the credit union unexpectedly closes down.
How to Join Delta Community Credit Union
Delta Community Credit Union is a credit union, not a bank, so only certain people can join. You are eligible for membership if you live or work in any one of the following counties in Georgia:
- Butts
- Cherokee
- Clayton
- Cobb
- Coweta
- DeKalb
- Douglas
- Fayette
- Forsyth
- Fulton
- Gwinnett
- Hall
- Henry
- Paulding
- Rockdale
- Spalding
You can also join if you are an employee/former employee/retiree of dozens of businesses, or a member of several associations. See the full list of eligible companies and organizations here.
You're eligible if a family member joins. You can also become a member as a non-US citizen if you work full-time for Delta Air Lines and live in one of several countries. In some of these countries, you're limited to only opening a savings account.
As with most credit unions, you're required to open a savings account to become a member.
Is Delta Community Credit Union Trustworthy?
Delta Community Credit Union does not have any public controversies.
The Better Business Bureau gives the credit union an A+ rating. A high BBB grade signifies that a company responds effectively to customer complaints, advertises honestly, and is transparent about business practices.
Delta Community Credit Union FAQs
Yes, Delta Community Credit Union is a legitimate financial institution. It's federally insured by the NCUA, which means that should the credit union shut down, your insured deposits would be safe.
Delta Community Credit Union may good a good credit union if you live in Atlanta or select areas in Utah, Texas, and Kentucky. It's a strong choice if you want high-yield CDs or a rewards checking account, but not for earning a high savings account rate.
No, as with any credit union, you have to qualify for membership to open an account. You're eligible if you live in select Georgia counties, are an employee/former employee/retiree of select businesses, or a member of certain associations. You also qualify if a family member has already joined. You can become a member as a non-US citizen if you work full-time for Delta Air Lines and live in one of several countries, although then you might be limited to just a savings account.
Yes, Delta Community Credit Union is federally insured by the NCUA. Your money is safe even if the credit union unexpectedly closes down. Up to $250,000 is protected in individual bank accounts and up to $500,000 for joint accounts.
Delta Community Credit Union has 30 branches overall. There are 29 branches in the Metro Atlanta area. It also has a branch in Kentucky (Florence), Utah (Salt Lake City International Airport), and Texas (Southlake).
How Delta Community Credit Union Compares
Delta Community Credit Union vs. Credit Union of Atlanta
Deciding between Delta Community Credit Union and Credit Union of Atlanta may depend on whether you meet the requirements for membership at either financial institution. Credit Union of Atlanta membership is limited to employees of certain organizations on this list. At Delta Community Credit Union, you may be eligible for membership if you live in certain counties in Georgia or work at select businesses.
You'll also want to consider which accounts you'd like to open. Both banks have free checking and savings accounts, and both pay high rates on certificates. The highest rate will depend on which certificate term you choose.
Delta Community Credit Union vs. Wells Fargo
Wells Fargo has a large presence in Georgia. Neither institution pays high interest rates on savings, but Delta Community Credit Union pays significantly higher CD rates on most terms than Wells Fargo. If you want to open CDs, Delta Community is probably the way to go.
Wells Fargo's strongest feature is probably that it has branches all around the US. You may like it if you travel frequently or expect to move soon and don't want to go through switching banks.
Delta Credit Union is part of a shared branch network with locations around the US, but keep in mind that shared branches have limits. For example, you won't be able to open new accounts at shared branches.
Why You Should Trust Us: How We Reviewed Delta Community Credit Union
To review Delta Community Credit Union, we rated its savings, checking, CDs and money market accounts using Personal Finance Insider's bank account methodology. Each account receives a rating between one to five stars.
We look at ethics, security, customer service, miscellaneous features, and the mobile app when evaluating each account. Other factors we consider depend on which type of account we're reviewing. For example, we look at overdraft protection for checking accounts and early withdrawal penalties for certificates.
We use a weighted average to get our star rating, which means we weigh certain features, like interest rates and fees, at a higher weight percentage than others. We understand that these areas can more heavily impact a person's overall banking experience.
