Delta Community Credit Union Review
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Edited by
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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 FeesHighlights:
CDs
Checking
Savings
MMA
Offers featured here have been sponsored which impacts how, where, and in what order the products appear. Not all offers are displayed on this page.
These are sponsored offers rated highly by us for competitive rates, fees, and minimums.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate Savings rating = 5/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate Savings rating = 4.4/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate Savings rating = 4.6/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Offers featured here have been sponsored which impacts how, where, and in what order the products appear. Not all offers are displayed on this page.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
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
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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
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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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APYs aren’t very competitive on many products.
Delta Community Credit Union banking products
Delta Community Credit Union savings overview
Pros
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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
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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.
Delta Community Credit Union CD overview
Pros
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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
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Specialty certificates, such as no-penalty certificates, are not offered.
Delta Community Credit Union money market overview
Pros
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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
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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.
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More competitive rates can be found elsewhere.
Delta Community Credit Union checking overview
Pros
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The Personal Checking Account earns interest.
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There’s no monthly service fee or minimum balance requirement.
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The fee schedule is clear and easy to find.
Cons
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No reimbursement for out of network ATM fees.
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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
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.
