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Delta Community Credit Union Review 2023

Updated January 10, 2023
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At a glance

3.8
Rating: 3.8 stars out of 5
Bankrate Score
Caret Down

CDs

Rating: 3 stars out of 5

Checking

Rating: 4.5 stars out of 5

Savings

Rating: 3.4 stars out of 5

MMA

Rating: 3.1 stars out of 5

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
Compare offers
Bank logo
Member FDIC
Savings Account
3.30
%
APY
Rating: 4.9 stars out of 5
$0
Min. balance for APY
View offer Arrow Right
Bank logo
Member FDIC
Savings Account
3.30
%
APY
Rating: 4.7 stars out of 5
$0
Min. balance for APY
View offer Arrow Right
Bank logo
Member FDIC
Savings Account
3.40
%
APY
Rating: 4.9 stars out of 5
$0
Min. balance for APY
View offer Arrow Right

Overall

Delta Community Credit Union is the largest credit union in Georgia. It has more than 476,000 members and 31 branches.

Pros

  • Checkmark

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

  • Checkmark

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

  • Checkmark

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

  • Checkmark

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

Cons

  • 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.

Delta Community Credit Union bank products

3.4
Rating: 3.4 stars out of 5
Bankrate Score

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, isn’t as competitive as Delta Community’s CDs.

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

  • Checkmark

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

  • Checkmark

    All balances earn interest.

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.

Compare Offer
Bank logo
Member FDIC
Savings Account
3.30
%
APY
Rating: 4.9 stars out of 5
Info
$0
Min balance for APY
View offer Arrow Right

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

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.