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Delta Community Credit Union has 27 branches in Metro Atlanta.
Delta Community Credit Union; Insider
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.
Overall credit union rating
FeatureInsider rating (out of 5)Savings4.25Checking4.25CD4Money market account4.25Trustworthiness5Total4.25
Pros and cons
ProsConsLarge free ATM networkPays high rates on CDsNo monthly service feesNo minimum opening deposit on checking or money market accountsOnly available in Metro Atlanta (plus one branch in KY, UT, and TX)Membership is limited to people in certain GA counties, employees of companies, and members of associationsPays a low rate on savingsInterest compounds monthly, not dailyNo free overdraft protection ($3 to sweep money from savings)
Delta Community Credit Union Personal Savings Account
You may like the Delta Community Credit Union Personal Savings Account if you want an account with no monthly fees. The account pays a low interest rate, though, and you can earn significantly more with an online high-yield savings account.
Delta Community Credit Union Personal Checking Account
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 Certificate of Deposit
The Delta Community Credit Union Certificate of Deposit pays competitive interest rates on its CDs. It’s a great option if you have $1,000 to open an account.
Delta Community Credit Union Money Market Account
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 banks in our best money market accounts guide.
How Delta Community Credit Union works
Delta Community Credit Union is an institution with 27 branches in the Metro Atlanta area. There are also single branches in Kentucky (Florence), Utah (Salt Lake City International Airport), and Southlake, Texas.
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 4.7 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:
ButtsCherokeeClaytonCobbCowetaDeKalbDouglasFayetteForsythFultonGwinnettHallHenryPauldingRockdaleSpalding
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 Personal Savings Account 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.
A strong BBB score doesn’t guarantee that you’ll have a smooth relationship with a company, though. You still may want to ask friends and family about their experiences with Delta Community Credit Union, or read online customer reviews.
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, but Delta Community Credit Union has a low minimum opening deposit for share certificates, while Delta Community Credit Union lets you open a money market account with Delta Community Credit Union Money Market Account.
Delta Community Credit Union vs. Wells Fargo
Neither institution pays high interest rates on savings, but Delta Community Credit Union pays significantly higher CD rates 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, but keep in mind each financial institution has its own limits. For example, you won’t be able to open new accounts at shared branches. If you would like to withdraw money from another credit union’s ATM, the ATM withdrawal limits may also be different from Delta Community’s ATMs.
Frequently asked questions
Is Delta Community Credit Union federally insured?
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?
Delta Community Credit Union has 27 branches in the Metro Atlanta area. It also has branches in Kentucky (Florence), Utah (Salt Lake City International Airport), and Southlake, Texas.