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Delta Community Credit Union Car Refinance Rates
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Bottom line: Delta Community Credit Union is a good choice if you live in metro Atlanta. You might like free checking and savings accounts, great 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 comparable to the best CD rates available today.
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Is A Delta Credit Card Worth It?
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You may like the Delta Community Credit Union Personal Savings Account if you want an account with no monthly service fees. But the account pays low interest rates and you can earn a lot more with one of the best high-yield savings accounts online.
Delta Community Credit Union’s personal checking account is an affordable option with no minimum down payment or monthly fees. If you sign up for the rewards program, you’ll earn points for cash back, spending in categories like travel, gift cards, concerts, and more.
Delta Community Credit Union CDs pay competitive interest. This is a great option if you have $1,000 to open an account.
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You may prefer Delta Community Credit Union’s money market account over a regular savings account because you’ll earn a higher interest rate if you maintain a balance of $1,000. But the interest is still low compared to what you’ll earn with any of our money market account manager options.
Delta Community Credit Union is an institution with 29 branches in the metro Atlanta area. There are also unique branches in Kentucky (Florence), Utah (Salt Lake City International Airport) and Texas (Southlake).
The credit union is part of the CO-OP joint branch network, giving you 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 is rated 4.9/5 stars in the Apple Store and 4.8/5 stars in the Google Play Store.
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Your deposits are NCUA insured up to $250,000 or $500,000 for joint accounts. This means your money is safe even if the credit union unexpectedly closes.
Delta Credit Union is a credit union, not a bank, so only certain people can join. You are eligible to become a member if you live or work in one of the following regions of Georgia:
You can also join if you are an employee/former/retired employee of dozens of companies or a member of various associations. The full list of eligible companies and organizations can be found here.
You are eligible if a family member joins. You can also become a member as a non-US citizen if you are a full-time employee of Delta Air Lines and live in one of several countries. In some of these countries, you can only open a savings account.
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The Better Business Bureau gives the credit union an A+ rating. A high BBB rating means that a company responds effectively to customer complaints, advertises honestly, and is transparent about its business practices.
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Yes, Delta Community Credit Union is a legal financial institution. NCUA is federally insured, which means that if the credit union closes, your insured deposits will be safe.
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Delta Community Credit Union may be a good credit union if you live in Atlanta or certain areas of Utah, Texas, and Kentucky. It’s a great choice if you want high-yielding CDs or a rewards checking account, but don’t want to earn a high interest rate on a savings account.
Can someone open an account at Delta Community Credit Union? Chevron icon Indicates an expandable section or menu, or sometimes previous/next navigation options.
No, like any credit union, you must meet membership requirements to open an account. If you live in certain counties in Georgia, are an employee/former employee/retiree of certain companies, or are a member of certain associations. You will also be eligible if a family member has already arrived. 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, but then you will only have one savings account.
Is Delta Community Credit Union federally insured? Chevron icon Indicates an expandable section or menu, or sometimes previous/next navigation options.
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Yes, Delta NCUA Community Credit Union is federally insured. Your money is safe even if the credit union unexpectedly closes. Protected up to $250,000 for individual bank accounts and up to $500,000 for joint accounts.
How many locations does Delta Community Credit Union have? Chevron icon 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 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 its savings, checking and money market accounts using Personal Finance Insider’s bank account methodology. We evaluated the certificates using our CD methodology. Each account receives a score from 0 to 5.
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We consider ethics, customer service and mobile app when evaluating each account. Other factors we consider depend on the type of account being reviewed. For example, we are considering checking account protection against overdrafts and early withdrawal penalties.
Deciding between Delta Community Credit Union and Atlanta Credit Union may depend on whether you meet the financial institution’s membership requirements. Atlanta Credit Union membership is limited to employees of certain institutions on this list. You may be eligible to become a member of Delta Community Credit Union if you live or work at certain businesses in Georgia.
You’ll also want to consider which accounts you want to open. Both banks have free checking and savings accounts, and both charge high certificate fees. The maximum rate will depend on the certification period you choose.
Wells Fargo has a strong presence in Georgia. Neither institution pays high savings rates, but Delta Community Credit Union pays significantly higher CD rates than Wells Fargo under most conditions. If you want to open CDs, the Delta community is probably the way to go.
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Wells Fargo’s strongest feature is probably its branches across the United States. This could be if you travel a lot or hope to move soon and don’t want to switch banks.
Delta Credit Union is part of a combined branch network that operates throughout the US, but please note that there are restrictions on shared branches. For example, you will not be able to open new accounts at shared branches.
Laura Grace Tarpley (her) is a senior editor at Personal Finance Insider. She reviews mortgage rates, refinancing rates, lenders, bank accounts, and lending and saving tips for Personal Finance Insider. He was a writer and editor for Business Insider’s “Road Home” series and received a Silver Award from the National Association of Real Estate Editors. He is also a Certified Educator in Personal Finance (CEPF). He wrote about personal finance
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