At a glance

4.2

Bankrate Score

CDs

Checking

Savings

MMA

Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.

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 Fees

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

Delta Community Credit Union offers competitive yields on most of its CDs.
Members can access many CO-OP surcharge-free ATMs and shared credit union branches.
In-branch appointments can be made using Delta’s online scheduling tool.
None of Delta Community’s deposit accounts charge a monthly fee.

Cons

The credit union has membership requirements that may make it difficult to join if you live outside Georgia.
APYs aren’t very competitive.

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Delta Community Credit Union banking products

3.4

/5

See methodology Compare savings rates

SCORE BREAKDOWN

APY offering:

0.25%

2/5

APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest.

Minimum balance for APY:

$5.00

5/5

The lowest deposit amount an account must have before it can earn interest.

Monthly service fee:

$0.00

5/5

A monthly charge a financial institution deducts from an account if certain requirements are not met.

Minimum balance to avoid fee:

$0.00

5/5

The lowest balance an account must maintain in order to avoid a fee.

Access to funds:

Good

4/5

A procedure that allows an individual or organization to access and manage the funds of another account holder.

FEATURES

0.25% APY

APY last updated between 11/14 and 11/20.

$5 minimum balance for APY

$5 minimum deposit to open

Delta Community Credit Union savings overview

Delta Community Credit Union’s Personal Savings account can be opened with only $5, and it has no monthly fee. The yield, however, is below average, and it isn’t as competitive as Delta Community’s CDs.

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

Only $5 is needed to open a Personal Savings Account.
All balances earn interest.
Customers can open additional savings funds for specific goals.

Cons

Other banks and credit unions offer much higher savings rates.
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.)
If funds are transferred from the savings account to cover an overdraft, a $3 fee applies.

Rate history for Delta Community Credit Union's Savings account

See how rates for this account have changed over time. Interact with the trend lines to view APY by date.

Delta Community Credit Union

APY

APY last updated between 11/14 and 11/20.

National average APY

How 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.

See how rates for this account have changed over time. Interact with the trend lines to view APY by date.

Delta Community Credit Union

APY

APY last updated between 11/14 and 11/20.

National average APY

How 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.

4.4

/5

See methodology Compare CD rates

SCORE BREAKDOWN

APY offering:

4.50%

5/5

APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. APYs are selected based on Bankrate reviews of the highest rates a bank offers between the term ranges of 7 and 17 months. This excludes jumbo CDs and applies when the minimum deposit is $25k or less.

Minimum deposit:

$1,000.00

4/5

The minimum deposit amount a financial institution requires in order to open a CD.

Range of term lengths:

6 mos – 5 yrs

3/5

A designated amount of time that funds must be held within a CD.

Early withdrawal penalty:

Good

4/5

A penalty incurred when funds have been withdrawn from a CD before its maturity date.

Offer no-penalty or bump-up CDs:

No

0/5

A CD that doesn’t incur a penalty if funds are withdrawn before its maturity date.

Offer IRA CDs:

Yes

5/5

An IRA account which consists of CDs that typically earns fixed interest over a specified period of time.

FEATURES

3.35% – 4.50% APY

APY last updated between 11/14 and 11/20.

$1,000 minimum balance for APY

$1,000 minimum deposit to open

6 months – 5 years

Delta Community Credit Union CD overview

Delta Community Credit Union offers five CD terms, ranging from six months to five years, that offer competitive yields. The highest rate offered as of this review is on the credit union’s one-year certificate.

All CDs require a $1,000 minimum deposit, and penalties apply for early withdrawals. For example, withdrawing early from a one-year certificate incurs a penalty of 90 days’ worth of interest.

Pros

Delta Community Credit Union offers competitive yields on its range of CDs.
It offers some of the most common CD terms.

Cons

Specialty certificates, such as no-penalty certificates, are not offered.

Rate history for Delta Community Credit Union's CD accounts

See how rates for this account have changed over time. Select the CD term length from the dropdown and interact with the trend lines to view APY by date.

Delta Community Credit Union

APY

APY last updated between 11/14 and 11/20.

National average APY

Term length

How 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.

See how rates for this account have changed over time. Select the CD term length from the dropdown and interact with the trend lines to view APY by date.

Delta Community Credit Union

APY

APY last updated between 11/14 and 11/20.

National average APY

Term length

How 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.

3.4

/5

See methodology Compare MMA rates

SCORE BREAKDOWN

APY offering:

0.60%

2/5

APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest.

Minimum balance for APY:

$1,000.00

4/5

The lowest balance an account must maintain in order to earn interest.

Monthly service fee:

$0.00

5/5

A monthly charge a financial institution deducts from an account if certain requirements are not met.

Minimum balance to avoid fee:

$0.00

5/5

The lowest amount an account must maintain in order to avoid a fee.

Check writing:

Yes

5/5

The ability to write a certain amount of checks within a statement cycle.

Debit/ATM access:

Good

4/5

The ability to withdraw funds from an account through the use of debit or ATM card.

Delta Community Credit Union money market overview

The Personal Money Market Account has no minimum deposit requirement, but a balance of at least $1,000 is required to earn any interest. At its lowest tier, the Personal Money Market Account earns about the national average interest rate for money market accounts. Higher rates are available with higher balances, though you need at least $10,000 to earn an above-average rate.

The account offers check-writing privileges and an ATM card. There’s no monthly fee.

Pros

There’s no monthly fee or minimum opening deposit requirement.
The Money Market Account has check-writing privileges and an ATM card.
Balances of $100,000 or more are rewarded with a more competitive APY.

Cons

Interest is earned only on balances of $1,000 or more. Savings accounts at some other banks earn interest starting at as little 1 cent or a dollar.
More competitive rates can be found elsewhere.

4.6

Bankrate Score

Compare top checking rates

Delta Community Credit Union checking overview

The Delta Community Credit Union Personal Checking Account requires no minimum opening deposit, but at least $5,000 is needed to earn interest, and balances of $25,000 or above earn an APY that’s only a little better than what some big banks pay. (Though some big banks might not offer interest-bearing checking. Or they might have monthly service fees or higher minimum balance requirements.)

There’s no monthly service fee for the account, and the overdraft/NSF fee is $35. Starting on Feb. 7, 2024, however, the overdraft fee will be lowered to $25 and the NSF fee to $15.

The account is open to 16- and 17-year-olds who have an adult as a joint owner on the account.

Compared with some other banks and credit unions, its fee schedule is easy to find on its main checking account page.

Pros

The Personal Checking Account earns interest on some balance tiers.
There’s no monthly service fee or minimum balance requirement.
The fee schedule is clear and easy to find.

Cons

At least $5,000 is needed to earn interest.
The overdraft and NSF fees are high, though the credit union is taking steps to lower them in February 2024.

Compare Offer

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

With so many financial institutions to choose from, it can be hard to know who to trust. Bankrate’s ever-growing list of bank and credit union reviews is updated regularly. Our editorial team analyzes and reviews each institution across deposit products such as savings accounts, checking accounts, certificates of deposit (CDs) and money market accounts (MMAs). Banks are rated by important factors such as offered interest rates, fees, minimum balance requirements, access to funds and more.

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.

Delta Community Credit Union Review 2024

The Bankrate promise

At a glance

Overview

Highlights

Overall

Pros

Cons

We want to know what you think about Delta Community Credit Union

Delta Community Credit Union banking products

Delta Community Credit Union savings overview

Pros

Cons

Rate history for Delta Community Credit Union's Savings account

Delta Community Credit Union CD overview

Pros

Cons

Rate history for Delta Community Credit Union's CD accounts

Delta Community Credit Union money market overview

Pros

Cons

Delta Community Credit Union checking overview

Pros

Cons

Bank fees

About Delta Community Credit Union

Customer experience

Review methodology

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