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Delta Community Credit Union Review 2022

Published May 2022 by Matthew Goldberg

AT A GLANCE
4.1

Bankrate Score

bank-logo

ATM fee refunds

Top CD rates

Delta Community Credit Union may be a good option for Georgia residents searching for a full-service credit union.

  • Checking
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    4.8
  • Savings
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    2.8
  • CDs
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    4.5
  • MMAs
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    3.4
  • MORE HIGH-YIELD OPTIONS
    MORE HIGH-YIELD OPTIONS
    CIT Bank

    Member FDIC

    Savings account

    0.90 % APY

    $ 0

    Min. balance for APY

    LendingClub

    Member FDIC

    Savings account

    0.85 % APY

    $ 0

    Min. balance for APY

    UFB Direct

    Member FDIC

    Savings account

    0.81 % APY

    $ 0

    Min. balance for APY

    Overall

    4.1

    Bankrate Score

    Delta Community Credit Union is the largest credit union in Georgia. It has more than 461,000 members at its credit union and 31 branches.

    What we like

    • Delta Community Credit Union offers competitive yields on most of its CDs.

    • Delta Community’s Personal Checking Account is a free account that earns reward points on eligible debit-card transactions.

    • Members can access many CO-OP surcharge-free ATMs.

    • In-branch appointments can be made using Delta’s online scheduling tool.

    What we don't

    • The credit union has membership requirements that may make it difficult to join if you live outside Georgia.

    • The savings APYs here aren’t as competitive as the yields at some other banks.

    Checking accounts

    4.8

    Bankrate Score

    OTHER CHECKING OFFERS YOU MAY LIKE
    SoFi

    Member FDIC

    Checking account

    1.25 % APY

    $ 0

    To open

    $ 0

    To avoid fees

    The Delta Community Credit Union Personal Checking Account require 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 big banks pay.

    Delta Community members can participate in a rewards program that earns one point for every $3 spent on eligible purchases.

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

    Delta Community members are limited to three checking accounts.

    What we like

    • Eligible debit-card transactions earn one point for every $3 spent.

    • The Personal Checking Account earns interest on some balance tiers.

    What we don't

    • Points cannot be earned on PIN debit-card transactions.

    • Out-of-network ATM fees aren’t reimbursed.

    • At least $5,000 is needed to earn interest.

    • Members are limited to three checking accounts per membership.

    Savings accounts

    2.8

    Bankrate Score

    OTHER SAVINGS OFFERS YOU MAY LIKE
    CIT Bank

    Member FDIC

    Savings account

    0.90 % APY

    $ 0

    Min. balance for APY

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

    The credit union also offers youth savings accounts for children 12 and under.

    What we like

    • Only $5 is needed to open a Personal Savings Account.

    • All balances earn interest.

    What we don't

    • 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.

    • If funds are transferred from the savings account to cover an overdraft, a $3 fee applies.

    CD rates

    4.5

    Bankrate Score

    OTHER CD OFFERS YOU MAY LIKE
    Synchrony Bank

    Member FDIC

    CD

    2.00 % APY

    16mo

    Term

    $ 0

    Min. deposit

    Delta Community Credit Union offers five CD terms, ranging from six months to five years that offer competitive yields. All CDs require a $1,000 minimum deposit, and penalties apply for early withdrawals.

    What we like

    • Delta Community Credit Union offers competitive yields on its range of CDs.

    • It offers some of the most common CD terms.

    What we don't

    • There’s no option for a no-penalty CD at Delta Community.

    Money market accounts

    3.4

    Bankrate Score

    The Personal Money Market Account has a $5 minimum deposit, but a balance of at least $1,000 is required to earn any interest. At its lowest tier, the Personal Money Market Account earns nearly twice the national average.

    The account offers check-writing privileges.

    What we like

    • The Money Market Account has check-writing privileges.

    • An ATM card is available.

    • Balances of $100,000 or more are rewarded with a more competitive APY.

    What we don't

    • 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.

    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 5,000 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.

    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.

    Matthew Goldberg Twitter Created with Sketch. @MATTATBANKRATE

    Matthew Goldberg Twitter Created with Sketch. @MATTATBANKRATE

    Matthew Goldberg is a consumer banking reporter at Bankrate. He uses his banking and financial services experience to help readers with personal finance. Nearly his entire career has either been as a reporter or working in financial services, in banking and insurance. He’s been in financial services for more than a decade. His banking career includes being a banker in New York City. His reporting career includes working as a staff reporter at two daily newspapers. He earned his first newspaper bylines in 1998. His writing has been honored by both the Illinois Associated Press Editors Association and the Illinois Press Association. His writing has also been featured online on MSN, the Miami Herald, the Houston Chronicle, the Omaha World-Herald, The Kansas City Star, the Arizona Daily Star, and appeared in Sports Illustrated On Campus, The Atlanta Journal-Constitution, The Buffalo News and other publications. Matthew’s radio experience includes being a weekly panelist on the SportsWriter’s show on WGEM AM ESPN 1440 in Quincy, Illinois. He was also an occasional co-host and call-in guest on WGEM SportsCenter. He’s also been a guest on other stations throughout the country. Matthew is currently a member of the Board of Governors at the Society for Advancing Business Editing and Writing (SABEW), which is the world's largest and oldest organization of business and financial journalists. He chairs the organization's training committee and is on the finance committee. He has previously served on conference planning committees and has been a Best in Business contest judge for the organization. Matthew earned a bachelor’s degree at Illinois State University and an MBA at William Paterson University. Media mentions CNBC CNBC Acorns + CNBC WGN Radio 720 in Chicago 1080 KRLD Dallas-Fort Worth