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Delta Community Credit Union Review

Updated April 25, 2025
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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 include options with no monthly service fees and no minimum deposit requirements. However, those seeking out the highest rates may want to look elsewhere.

Highlights:

24/7 Customer Service No Monthly Fees
4.1
Rating: 4.1 stars out of 5
Bankrate Score
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CDs

Rating: 4 stars out of 5
4.0 /5

Checking

Rating: 4.6 stars out of 5
4.6 /5

Savings

Rating: 3.4 stars out of 5
3.4 /5

MMA

Rating: 3.4 stars out of 5
3.4 /5
Sponsored offers
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These are sponsored offers rated highly by us for competitive rates, fees, and minimums.

Bank logo
Member FDIC
Savings Account
4.30
%
APY
APY
Info Icon
As of 6/18/2025
Rating: 5 stars out of 5
$0
Min. balance for APY
View offer Arrow Right Icon
Promoted offer: No monthly maintenance fee, $0 to open, easily grow your money
Bank logo
Member FDIC
Savings Account
3.60
%
APY
APY
Info Icon
As of 6/18/2025
Rating: 4.4 stars out of 5
$0
Min. balance for APY
View offer Arrow Right Icon
Promoted offer: It only takes about 5 minutes to open a fee-free account.
Bank logo
Member FDIC
Savings Account
4.00
%
APY
APY
Info Icon
As of 6/18/2025
Rating: 4.6 stars out of 5
$5,000
Min. balance for APY
View offer Arrow Right Icon
Promoted offer:

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, all of which either do not have a monthly service fee or can be waived if you meet certain criteria.

Pros

  • Checkmark Icon

    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.

Cons

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

  • APYs aren’t very competitive on many products.

Delta Community Credit Union banking products

Delta Community Credit Union savings overview

3.4
/5
Rating: 3.4 stars out of 5
SCORE BREAKDOWN
APY offering:
0.25%
Rating: 2 stars out of 5
2/5
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Minimum balance for APY:
$0.00
Rating: 5 stars out of 5
5/5
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Monthly service fee:
$0.00
Rating: 5 stars out of 5
5/5
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Minimum balance to avoid fee:
$0.00
Rating: 5 stars out of 5
5/5
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Access to funds:
Good
Rating: 4 stars out of 5
4/5
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Pros

  • Checkmark Icon

    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

  • 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.

Delta Community Credit Union CD overview

4.0
/5
Rating: 4 stars out of 5
SCORE BREAKDOWN
APY offering:
4.00%
Rating: 4 stars out of 5
4/5
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Minimum deposit:
$1,000.00
Rating: 4 stars out of 5
4/5
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Range of term lengths:
6 mos – 5 yrs
Rating: 3 stars out of 5
3/5
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Early withdrawal penalty:
Good
Rating: 4 stars out of 5
4/5
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Offer no-penalty or bump-up CDs:
No
Rating: 0 stars out of 5
0/5
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Offer IRA CDs:
Yes
Rating: 5 stars out of 5
5/5
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Pros

  • Checkmark Icon

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

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    It offers some of the most common CD terms.

Cons

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

Delta Community Credit Union money market overview

3.4
/5
Rating: 3.4 stars out of 5
SCORE BREAKDOWN
APY offering:
0.35%
Rating: 2 stars out of 5
2/5
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Minimum balance for APY:
$1,000.00
Rating: 4 stars out of 5
4/5
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Monthly service fee:
$0.00
Rating: 5 stars out of 5
5/5
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Minimum balance to avoid fee:
$0.00
Rating: 5 stars out of 5
5/5
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Check writing:
Yes
Rating: 5 stars out of 5
5/5
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Debit/ATM access:
Good
Rating: 4 stars out of 5
4/5
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Pros

  • Checkmark Icon

    There’s no monthly fee or minimum opening deposit requirement.

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    The Money Market Account has check-writing privileges and an ATM card.

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    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.

Delta Community Credit Union checking overview

4.6
/5
Rating: 4.6 stars out of 5

Pros

  • Checkmark Icon

    The Personal Checking Account earns interest.

  • Checkmark Icon

    There’s no monthly service fee or minimum balance requirement.

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    The fee schedule is clear and easy to find.

Cons

  • No reimbursement for out of network ATM fees.

  • There’s overdraft and NSF fees, other banks have waived these fees entirely.

Bank fees

Fee Charged?
Overdraft fee $5
Non-sufficient funds fee $15
Account maintenance fees None
Out-of-network ATM fee $2
Inactivity fee $5 per month

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.

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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.