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The bottom line: Delta Community Credit Union is a good option if you live in Metro Atlanta. You might like it if you want free checking and savings accounts, high interest rates on CDs, or the ability to earn points for rewards like travel and cash back. Depending on the CD term, some of its rates are on par with the best CD rates out there right now.
How Delta Community Credit Union bank products compareDelta Community Credit Union Personal Savings Account
Delta Community Credit Union CD
Delta Community Credit Union Overall Rating
| Feature | Personal Finance Insider rating (out of 5) |
| Savings | 4.25 |
| Checking | 4.25 |
| CD | 4 |
| Money market account | 4.25 |
| Trustworthiness | 5 |
| Total | 4.25 |
Delta Community Credit Union Pros and Cons
| Pros | Cons |
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Delta Community Credit Union Personal Savings Account Review
Delta Community Credit Union Personal Savings Account Start saving DCCU, Member NCUA Insider’s Rating A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star Feesno monthly service fee
Annual Percentage Yield (APY)0.25%
Minimum Opening Deposit$5
Pros- Check mark icon A check mark. It indicates a confirmation of your intended interaction. $5 minimum opening deposit
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. No monthly service fees
- con icon Two crossed lines that form an 'X'. Low interest rate
- con icon Two crossed lines that form an 'X'. Interest compounds monthly, not daily
- Credit union with 29 branches in Metro Atlanta, Georgia; 1 branch in Kentucky, Texas, and Utah
- Free shared branches and ATMs around the US in the CO-OP Shared Branch Network
- Membership depends on employer/association membership; or you can be a resident of certain counties in Georgia or have a family member who is already a member
- Interest compounded monthly, paid monthly
- Federally insured by the NCUA
You may like the Delta Community Credit Union Personal Savings Account if you want an account with no monthly service fee. The account pays a low interest rate, though, and you can earn significantly more with one of the best high-yield savings accounts online.
Compare Today's Rates
Delta Community Credit Union Personal Checking Account Review
Delta Community Credit Union Personal Checking Account Start banking DCCU, Member NCUA Insider’s Rating A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star Feesno monthly service fee
Annual Percentage Yield (APY)0.00% to 0.02%
Minimum Opening Deposit$0
Pros- Check mark icon A check mark. It indicates a confirmation of your intended interaction. No minimum opening deposit
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. No monthly service fees
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Earn rewards
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. No out-of-network ATM fees
- con icon Two crossed lines that form an 'X'. $35 overdraft fee
- con icon Two crossed lines that form an 'X'. $3 overdraft protection fee when you sweep money from savings into checking
- con icon Two crossed lines that form an 'X'. Does not reimburse any fees charged by out-of-network ATM providers
- Credit union with 29 branches in Metro Atlanta, Georgia; 1 branch in Kentucky, Texas, and Utah
- Free shared branches and ATMs around the US in the CO-OP Shared Branch Network
- Membership depends on employer/association membership; or you can be a resident of certain counties in Georgia or have a family member who is already a member
- Enroll in the rewards program and earn 1 reward point for every $3, and redeem points for cash back, travel, theme parks, and more
- Interest compounded monthly, paid monthly
- Federally insured by the NCUA
The Delta Community Credit Union Personal Checking Account is an affordable option with no minimum opening deposit or monthly fees. If you enroll in the rewards program, you'll earn points to spend on categories like cash back, travel, gift cards, concerts, and more.
Delta Community Credit Union CD Review
Delta Community Credit Union CD Start saving DCCU, Member NCUA Insider’s Rating A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star Annual Percentage Yield (APY)3.85% to 4.95%
Minimum Opening Deposit$1,000
Pros- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Competitive APY
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Low-to-standard early withdrawal penalties
- con icon Two crossed lines that form an 'X'. $1,000 opening deposit
- con icon Two crossed lines that form an 'X'. Interest compounded monthly, not daily
- Credit union with 29 branches in Metro Atlanta, Georgia; 1 branch in Kentucky, Texas, and Utah
- Free shared branches and ATMs around the US in the CO-OP Shared Branch Network
- Membership depends on employer/association membership; or you can be a resident of certain counties in Georgia or have a family member who is already a member
- Term lengths of 6, 12, 24, 36, or 60 months
- Early withdrawal penalties ranging from 60 to 270 days interest
- Interest is compounded monthly and paid monthly
The Delta Community Credit Union CD pays competitive interest rates. It's a great option if you have $1,000 to open an account.
Delta Community Credit Union Money Market Account Review
Delta Community Credit Union Money Market Account Read Review Insider’s Rating A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star Feesno monthly service fee
Annual Percentage Yield (APY)0.35% to 2.00%
Minimum Opening DepositNone
Pros- Check mark icon A check mark. It indicates a confirmation of your intended interaction. No minimum opening deposit
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. No monthly service fees
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Pays higher interest rates than the regular savings account
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes an ATM card and paper checks
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. No out-of-network ATM fees
- con icon Two crossed lines that form an 'X'. No interest earned on balances under $1,000
- con icon Two crossed lines that form an 'X'. Interest compounds monthly, not daily
- con icon Two crossed lines that form an 'X'. Does not reimburse any fees charged by out-of-network ATM providers
- Credit union with 29 branches in Metro Atlanta, Georgia; 1 branch in Kentucky, Texas, and Utah
- Free shared branches and ATMs around the US in the CO-OP Shared Branch Network
- Membership depends on employer/association membership; or you can be a resident of certain counties in Georgia or have a family member who is already a member
- Tiered interest rate system: Start earning interest with a $1k balance, increase your rate at $10k, $25k, $50k, and $100k
- Interest compounded monthly, paid monthly
- Federally insured by the NCUA
You may prefer the Delta Community Credit Union Money Market Account to the regular savings account if you can maintain a $1,000 balance, because then you'll earn a higher interest rate. But rates are still low compared to what you'll earn with any of the options in our best money market accounts guide.
About Delta Community Credit Union
Delta Community Credit Union is an institution with 29 branches in the Metro Atlanta area. There are also single branches in Kentucky (Florence), Utah (Salt Lake City International Airport), and Texas (Southlake).
The credit union is part of the CO-OP Shared Branch Network, so you have free access to 30,000 ATMs and 5,000 shared branches around the US. You can't open an account at a shared branch, but you can receive assistance.
The Delta Community Credit Union mobile app has 4.9 out of 5 stars in the Apple store, and 4.8 out of 5 stars in the Google Play store.
Your deposits are federally insured by the NCUA for up to $250,000, or up to $500,000 for joint accounts. This means your money is safe even if the credit union unexpectedly closes down.
How to Join Delta Community Credit Union
Delta Community Credit Union is a credit union, not a bank, so only certain people can join. You are eligible for membership if you live or work in any one of the following counties in Georgia:
- Butts
- Cherokee
- Clayton
- Cobb
- Coweta
- DeKalb
- Douglas
- Fayette
- Forsyth
- Fulton
- Gwinnett
- Hall
- Henry
- Paulding
- Rockdale
- Spalding
You can also join if you are an employee/former employee/retiree of dozens of businesses, or a member of several associations. See the full list of eligible companies and organizations here.
You're eligible if a family member joins. You can also become a member as a non-US citizen if you work full-time for Delta Air Lines and live in one of several countries. In some of these countries, you're limited to only opening a savings account.
As with most credit unions, you're required to open a savings account to become a member.
Is Delta Community Credit Union Trustworthy?
Delta Community Credit Union does not have any public controversies.
The Better Business Bureau gives the credit union an A+ rating. A high BBB grade signifies that a company responds effectively to customer complaints, advertises honestly, and is transparent about business practices.
Delta Community Credit Union FAQs
Is Delta Community Credit Union legit? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.Yes, Delta Community Credit Union is a legitimate financial institution. It's federally insured by the NCUA, which means that should the credit union shut down, your insured deposits would be safe.
Is Delta Community Credit Union a good bank? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.Delta Community Credit Union may good a good credit union if you live in Atlanta or select areas in Utah, Texas, and Kentucky. It's a strong choice if you want high-yield CDs or a rewards checking account, but not for earning a high savings account rate.
Can anyone open an account with Delta Community Credit Union? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.No, as with any credit union, you have to qualify for membership to open an account. You're eligible if you live in select Georgia counties, are an employee/former employee/retiree of select businesses, or a member of certain associations. You also qualify if a family member has already joined. You can become a member as a non-US citizen if you work full-time for Delta Air Lines and live in one of several countries, although then you might be limited to just a savings account.
Is Delta Community Credit Union federally insured? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.Yes, Delta Community Credit Union is federally insured by the NCUA. Your money is safe even if the credit union unexpectedly closes down. Up to $250,000 is protected in individual bank accounts and up to $500,000 for joint accounts.
How many locations does Delta Community Credit Union have? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.Delta Community Credit Union has 30 branches overall. There are 29 branches in the Metro Atlanta area. It also has a branch in Kentucky (Florence), Utah (Salt Lake City International Airport), and Texas (Southlake).
Methodology: How We Reviewed Delta Community Credit Union
To review Delta Community Credit Union, we rated its savings, checking, and money market accounts using Personal Finance Insider's bank account methodology. We rated certificates using our CD methodology. Each account receives a rating between 0 and 5.
We look at ethics, customer service, and the mobile app when evaluating each account. Other factors we consider depend on which type of account we're reviewing. For example, we look at overdraft protection for checking accounts and early withdrawal penalties for certificates.
How Delta Community Credit Union Compares
Delta Community Credit Union vs. Credit Union of Atlanta
Deciding between Delta Community Credit Union and Credit Union of Atlanta may depend on whether you meet the requirements for membership at either financial institution. Credit Union of Atlanta membership is limited to employees of certain organizations on this list. At Delta Community Credit Union, you may be eligible for membership if you live in certain counties in Georgia or work at select businesses.
You'll also want to consider which accounts you'd like to open. Both banks have free checking and savings accounts, and both pay high rates on certificates. The highest rate will depend on which certificate term you choose.
Delta Community Credit Union vs. Wells Fargo
Wells Fargo has a large presence in Georgia. Neither institution pays high interest rates on savings, but Delta Community Credit Union pays significantly higher CD rates on most terms than Wells Fargo. If you want to open CDs, Delta Community is probably the way to go.
Wells Fargo's strongest feature is probably that it has branches all around the US. You may like it if you travel frequently or expect to move soon and don't want to go through switching banks.
Delta Credit Union is part of a shared branch network with locations around the US, but keep in mind that shared branches have limits. For example, you won't be able to open new accounts at shared branches.
Laura Grace Tarpley, CEPF Personal Finance Reviews Editor Laura Grace Tarpley (she/her) is an expert in mortgage rates, refinance rates, lenders, bank accounts, and borrowing and savings tips for Personal Finance Insider. She worked on Business Insider's "The Road to Home" series, which won a Silver award from the National Associate of Real Estate Editors.She has written about personal finance for over seven years. Before joining the Business Insider team, she was a freelance finance writer for companies like SoFi and The Penny Hoarder, as well as an editor at FluentU. Read more Read less 
Evelyn He Compliance and Operations Associate Evelyn He is a Compliance and Operations Associate on the Personal Finance team to ensure content accuracy and editorial independence so readers get up-to-date and objective financial advice.The compliance team's mission is to provide readers with fact-checked and current stories so they can make informed financial decisions. The team also works to minimize risk for partners by ensuring language is clear, precise, and fully compliant with regulatory and partner marketing guidelines that align with the editorial team. Read more Read less Top Offers From Our Partners 
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