Delta Community Credit Union Review 2023
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At a glance
CDs
Checking
Savings
MMA
About Bankrate Score
Overview
Delta Community Credit Union may be a good option for Georgia residents searching for a full-service credit union.
Highlights
- 24/7 Customer Service
- Reward Checking
Bankrate Savings rating = 4.9/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
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.
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.
Overall
Delta Community Credit Union is the largest credit union in Georgia. It has more than 476,000 members and 31 branches.
Pros
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Delta Community Credit Union offers competitive yields on most of its CDs.
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Delta Community’s Personal Checking Account is a free account that earns reward points on eligible debit-card transactions.
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Members can access many CO-OP surcharge-free ATMs.
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In-branch appointments can be made using Delta’s online scheduling tool.
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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The savings APYs here aren’t as competitive as the yields at some other banks.
Delta Community Credit Union bank products
Delta Community Credit Union savings overview
The credit union also offers youth savings accounts for children 12 and under.
In 2022, Delta Community Credit Union’s CDs were scored a 4.5 out of 5 by Bankrate.
Pros
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Only $5 is needed to open a Personal Savings Account.
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All balances earn interest.
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.
Bankrate Savings rating = 4.9/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Bank experience
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.
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.
Delta Community Credit Union members have access to Zelle.
Delta Community Credit Union’s app earned a very high rating on iOS and a high rating on Google Play.
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.
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.
