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Delta Community Credit Union Mortgage Rates
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Conclusion: Delta Community Credit Union is a good choice if you live in metro Atlanta. You might like it if you want free checking and savings accounts, higher interest rates on CDs, or the ability to earn points for rewards like travel and cash back. Depending on the term of the CD, some of its rates are currently in line with the best CD rates.
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If you want an account with no monthly maintenance fee, you might like the Delta Community Credit Union Personal Savings Account. However, the account pays a lower interest rate, and you can earn a lot more with one of the best online savings accounts.
Delta Community Credit Union’s personal checking account is an affordable option with no minimum opening deposit or monthly fee. If you join a rewards program, you’ll earn points to spend on categories like cash back, travel, gift cards, concerts and more.
Delta Community Credit Union pays CD interest. This is a great option if you have $1,000 to open an account.
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If you can maintain a $1,000 balance, you may prefer a Delta Community Credit Union money market account over a regular savings account because you’ll earn a higher interest rate. But the rates are still low compared to what you’ll get with one of the options in our best money market account guide.
Delta Community Credit Union is an institution with 29 branches in the metro Atlanta area. There are also individual 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 across the United States. You cannot open an account at a joint branch, but you can get help.
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.
Delta Community Credit Union Decatur, Ga 30030
Your deposits are federally insured by NCUA up to $250,000 or $500,000 for joint accounts. This means your money is safe regardless of your credit score.
Delta Community Credit Union is a credit union, not a bank, so only certain people can participate. You can become a member if you live or work in one of the following areas of Georgia:
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 are eligible if a family member joins. If you work full-time for Delta Air Lines and live in one of several countries, you are a non-U.S. You can also become a member as a citizen. In some of these countries, you are limited to opening a savings account.
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The Better Business Bureau gives the credit union an A+ rating. A high BBB rating means a company responds effectively to customer complaints, advertises honestly, and is transparent about business practices.
Is Delta Community Credit Union legit? Chevron Icon This indicates a section or detailed menu or sometimes previous/next navigation options.
Yes, Delta Community Credit Union is a legitimate financial institution. It is federally insured by the NCUA, which means that if the credit union closes, your insured deposits will be protected.
Is Delta Community Credit Union a good bank? Chevron Icon This indicates a section or detailed menu or sometimes previous/next navigation options.
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If you live in Atlanta or select areas of Utah, Texas and Kentucky, Delta Community Credit Union may be a good credit union for you. A solid choice if you want a high-yield CD or rewards checking account, but not a high-interest savings account.
Can anyone open an account at Delta Community Credit Union? Chevron Icon This indicates a section or detailed menu or sometimes previous/next navigation options.
No, as with any credit union, you must qualify for membership to open an account. You are eligible if you live in eligible counties in Georgia, are an employee/former employee/retiree of eligible businesses, or are a member of certain associations. You are also eligible if a family member has already joined. If you work full-time for Delta Air Lines and live in one of several countries, you can become a member as a non-US citizen, although you may be limited to one checking account.
Is Delta Community Credit Union federally insured? Chevron Icon This indicates a section or detailed menu or sometimes previous/next navigation options.
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Yes, Delta Community Credit Union is federally insured by NCUA. Your money is safe even if the credit union suddenly closes. Up to $250,000 in separate bank accounts and up to $500,000 in joint accounts.
How many locations does Delta Community Credit Union have? Chevron Icon This indicates a section or detailed menu or sometimes previous/next navigation options.
Delta Community Credit Union has a total of 30 branches. There are 29 branches in the metro Atlanta area. It also has branches in Kentucky (Florence), Utah (Salt Lake City International Airport) and Texas (Southlake).
To review Delta Community Credit Union, we evaluated savings, checking and money market accounts using Personal Finance Insider’s bank account methodology. We evaluated the certificates using our CD method. Each account gets a value from 0 to 5.
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When we review each account, we look at ethics, customer service, and the mobile app. Other factors we consider depend on the type of account we are evaluating. For example, we consider overdraft protection for checking accounts and early withdrawal penalties for certificates.
Deciding between Delta Community Credit Union and Atlanta Credit Union may depend on whether you meet the membership requirements of each financial institution. Atlanta Credit Union membership is limited to employees of certain institutions included in this list. You can become a member of Delta Community Credit Union if you live or work in certain areas of Georgia.
You also want to think about what accounts you want to open. Both banks have free checking and savings accounts, and both pay high interest rates on certificates. The highest rate will depend on the certificate period you choose.
Wells Fargo has a large presence in Georgia. Neither institution offers higher interest rates on savings, but Delta Community Credit Union offers better CD rates than Wells Fargo under many conditions. If you want to open CD, Delta Community is probably the way to go.
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Wells Fargo’s strongest feature is that it has branches all over the United States. You might like this if you travel often or expect to move soon and don’t want to go through the hassle of switching banks.
Delta Credit Union is part of a general branch network located throughout the United States, but keep in mind that general branches have limitations. For example, you will not be able to open new accounts at shared branches.
Laura Grace Tarpley (she) is a senior editor at Personal Finance Insider. He reviews mortgage rates, refinancing rates, lenders, bank accounts, and borrowing and saving tips for Personal Finance Insider. He was a writer and editor for Business Insider’s Road to Home series, which won a Silver Award at the National Generation Real Estate Awards. He is also a Certified Personal Finance (CEPF) Coach. He wrote about personal finance
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