Delta Community Credit Union Review
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At a glance
Overview
Delta Community Credit Union may be a good option for Georgia residents searching for a full-service credit union. Its account offerings come with no monthly service fees and don’t have minimum deposit requirements. However, those seeking out the highest rates may want to look elsewhere.
Highlights:
24/7 Customer Service No Monthly FeesHighlights:
CDs
Checking
Savings
MMA
Offers featured here have been sponsored which impacts how, where, and in what order the products appear. Not all offers are displayed on this page.
These are sponsored offers rated highly by us for competitive rates, fees, and minimums.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate Savings rating = 4.2/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate Savings rating = 4.4/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate Savings rating = 4.7/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Offers featured here have been sponsored which impacts how, where, and in what order the products appear. Not all offers are displayed on this page.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Overall
Delta Community Credit Union is the largest credit union in Georgia. It has almost 500,000 members and 32 branches. It offers a decent range of share certificate terms, an interest-bearing checking account, money market account and savings account, none of which charge a monthly service fee.
Pros
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Delta Community Credit Union offers competitive yields on most of its CDs.
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Members can access many CO-OP surcharge-free ATMs and shared credit union branches.
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In-branch appointments can be made using Delta’s online scheduling tool.
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None of Delta Community’s deposit accounts charge a monthly fee.
Cons
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The credit union has membership requirements that may make it difficult to join if you live outside Georgia.
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APYs aren’t very competitive.
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Delta Community Credit Union banking products
APY last updated between 2/14and 2/20.
Delta Community Credit Union savings overview
Customers can open supplementary savings accounts dedicated to specific goals, such as saving for a new car. These additional accounts earn the same rate as the primary savings account.
While it’s possible to link the savings account to a checking account to cover overdrafts, there’s a $3 fee each time money is transferred from the savings account for such cases.
The credit union also offers youth savings accounts for children 12 and under.
Pros
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Only $5 is needed to open a Personal Savings Account.
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All balances earn interest.
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Customers can open additional savings funds for specific goals.
Cons
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Other banks and credit unions offer much higher savings rates.
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Account holders with combined deposits and loans balances that fall below $60 who make no transactions for six months may incur a $5 a month inactive account or low balance fee. (This fee is $0 for account owners 17 years old or younger.)
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If funds are transferred from the savings account to cover an overdraft, a $3 fee applies.
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See how rates for this account have changed over time. Interact with the trend lines to view APY by date.
Delta Community Credit UnionAPYAPY last updated between 2/14 and 2/20.APYAPY last updated between 2/14 and 2/20.National average APYHow do we get this data?Bankrate independently tracks hundreds of APYs and product details for banking institutions nationwide. We retain the historical data of every rate we track in our database. If there are any gaps where we weren’t actively tracking a rate at the time, the graph will reflect the missing data.
Bank fees
| Fee | Charged? |
|---|---|
| Overdraft fee | $35 ($25 starting on Feb. 7, 2024) |
| Non-sufficient funds fee | $35 ($15 starting on Feb. 7, 2024) |
| Account maintenance fees | None |
| Out-of-network ATM fee | $2 |
| Inactivity fee | $5 per month |
About Delta Community Credit Union
To join Delta Community Credit Union, you’ll need to live or work in one of the eligible counties in Georgia. Any current, former or retired employee of an employer on the Delta Community Credit Union website or any member of an association on the credit union’s website may be eligible to join. Some relatives of members may be eligible to join as well.
Delta Community Credit Union offers a checking account, a credit card, savings accounts, a money market account and CDs.
Customer experience
Customer service. Delta Community Credit Union customers can reach a customer service representative by phone 24/7. The credit union also offers live teller technology at some of its branches, where customers can skip lines and talk to a teller through ATM video. Live teller hours are 7 a.m. to 8 p.m., Monday-Friday, and Saturdays 8 a.m. to 5 p.m.
Branches and ATM access. More than 5,600 shared credit union branches give members the ability to bank nationwide. Delta Community also has a large network of surcharge-free ATMs through the CO-OP ATM network.
Digital tools. Delta Community Credit Union members have access to Zelle, bill pay and an interactive money management tool, which allows members to track budgets and savings goals from their mobile app.
Highly rated app. Delta Community Credit Union’s app earned a very high rating on iOS and a high rating on Google Play.
Review methodology
We assign a score to each type of account and its features, weigh them carefully based on importance to account holders and determine an overall score. Read our full review methodology.
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