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Delta Community Credit Union Personal Loan
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Bottom line: Delta Community Credit Union is a great choice 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. As for the word CD, some of their prices are on par with the best CD prices at the moment.
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You might like Delta Community Credit Union’s financial assistance account if you want an account with no monthly service fee. However, the account pays low interest and you can earn more money 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 fees. If you sign up for a rewards program, you’ll earn points to spend on things like cashback, travel, gift cards, concerts, and more.
Delta Community Credit Union CD pays competitive interest rates. It’s a good option if you have $1,000 to open an account.
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You may prefer a Community Credit Union money market account over a regular checking account if you can maintain a balance of $1,000 because you will earn a higher interest rate that way. But the price is still low compared to what you’ll get with any option in our guide to the best money market accounts.
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 Airport) and Texas (Southlake).
The credit union is part of the CO-OP Network, so you have free access to 30,000 ATMs and 5,000 branches across the United States. You can’t open an account at a shared office, but you can get help.
The Community Credit Union mobile app is rated 4.9 out of 5 stars on the Apple Store and 4.8 out of 5 on the Google Play Store.
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NCUA insures your federal savings account up to $250,000 or up to $500,000 for joint accounts. This means your money will be safe even if the credit union closes suddenly.
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 one of these Georgia counties:
You can also join if you are working/formerly working/retired at multiple companies or are a member of multiple organizations. See the full list of eligible companies and organizations here.
You are eligible if a family member participates. You can also become a member as a U.S. citizen if you work full-time for Delta Air Lines and live in one of several countries. In some of these countries, you are limited to opening just one 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 well to customer complaints, advertises honestly, and is honest about business practices.
Is Delta Community Credit Union Legit? Chevron Symbol Indicates an expandable section or menu, or sometimes previous/next navigation options.
Yes, Delta Community Credit Union is a legitimate financial institution. Federal insurance is provided by the NCUA, which means if the credit union closes, your insurance account will be safe.
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Delta Community Credit Union may be a good credit union if you live in Atlanta or select areas of Utah, Texas, and Kentucky. It’s a solid choice if you want a high-yield CD or rewards account, but not the high yield of a savings account.
Can anyone open an account with Delta Community Credit Union? Chevron Symbol Indicates an expandable section or menu, or sometimes previous/next navigation options.
No, as with all financial institutions, you must be eligible for membership to open an account. You are eligible if you live in select Georgia counties, are an employee/former employee/retiree of select companies, or are a member of other organizations. You are also eligible if a family member has already joined. You can become a member as a US citizen if you work full-time for Delta Air Lines and live in one of several countries, but you may be limited to just one account.
Is Community Credit Union federally insured? Chevron Symbol Indicates an expandable section or menu, or sometimes previous/next navigation options.
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Yes, Delta Community Credit Union insurance is provided by NCUA. Your money is safe even if the creative team is suddenly closed. Up to $250,000 is held in a single bank account and up to $500,000 in a joint account.
How many locations does Delta Community Credit Union have? Chevron Symbol Indicates an expandable section or menu, or sometimes previous/next navigation options.
Delta Community Credit Union has a total of 30 branches. There are 29 branches in the Atlanta metro 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 its savings, checking, and money market accounts using Insider’s personal bank account system. We evaluate certificates using our CD method. Each account receives a rating between 0 and 5.
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We consider ethics, customer service, and mobile apps when evaluating each account. Other factors we consider depend on the type of account we are analyzing. For example, we are looking at overdraft protection for checking accounts and early withdrawal penalties for certificates.
Choosing between Delta Community Credit Union and Credit Union of Atlanta may depend on whether you meet each financial institution’s membership requirements. Atlanta Credit Union membership is limited to employees of other organizations on this list. At Delta Community Credit Union, you may be eligible to become a member if you live in certain Georgia counties or work at a qualified company.
You should also consider the accounts you want to open. Both banks have free checking and savings accounts and charge high fees for certificates. The maximum value depends on the certificate period you choose.
Wells Fargo is big in Georgia. No other institution pays higher interest on savings, but Delta Community Credit Union pays higher CD rates on most terms than Wells Fargo. If you want to open a CD, Delta Community is definitely the best option.
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Wells Fargo’s best feature is probably the fact that it has branches all over the United States. You might like it if you travel frequently or hope to move soon and don’t want to go through the hassle of switching banks.
Delta Credit Union is part of a shared branch network with locations across the United States, but remember that shared branches are limited. For example, you cannot open new accounts at shared branches.
Laura Grace Tarpley (she/her) is a senior editor at Personal Finance Insider. She oversees coverage of mortgage rates, refinance rates, lenders, bank accounts, and loan and savings advice for Insider Finance. She was a writer and editor for Business Insider’s “Road to Home” series, which received a Silver Award from the Associate Real Estate Editor Team. She is also a Certified Financial Trainer (CEPF). She writes about personal finance
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