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Delta Community Credit Union Credit Card Requirements
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Bottom line: Delta Community Credit Union is a good choice if you live in the metro Atlanta area. You might like this 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 length of the CD, some of its speeds are on par with the best CD speeds available.
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You might like the Delta Community Credit Union Individual Savings Account if you want an account with no monthly service fees. However, the account pays low interest rates and you can earn more with one of the best high-interest online savings accounts.
Delta Community Credit Union’s personal checking account is a convenient option with no minimum opening deposit or monthly fees. If you sign up for a rewards program, you’ll earn points to spend on categories like cash back, travel, gift cards, concerts, and more.
Delta Community Credit Union CDs pay competitive interest rates. This is a great option if you have 1000 USD to open an account.
Score Drop After Applying For Delta Credit Communi…
You may prefer a Delta Community Credit Union money market account over a regular savings account if you can maintain a $1,000 balance because you’ll earn a higher interest rate. However, rates are still low compared to how much you’ll earn with any of the options in our best money market accounts guide.
Delta Community Credit Union is an institution with 29 branches in the Atlanta metropolitan area. There are also separate 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 can’t open an account at a joint branch, but you can get help.
The Delta Community Credit Union mobile app has 4.9/5 stars in the Apple App Store and 4.8/5 stars in the Google Play Store.
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Your deposits are insured by the federal NCUA up to $250,000 or up to $500,000 for joint accounts. This means your money is safe even if the credit union suddenly closes.
Delta Community Credit Union is a credit union, not a bank, so only certain people can join. You are eligible to apply if you live or work in one of the following Georgia counties:
You can participate even if you are an employee/former employee/retiree of dozens of companies or a member of many associations. 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 non-US citizen if you work full-time for Delta Air Lines and live in one of many countries. In some of these countries, you are limited to opening only savings accounts.
Delta Community Credit Union
The Better Business Bureau gives the credit institution an A+ rating. A high BBB rating means the company responds effectively to customer complaints, advertises fairly, and is transparent about its business practices.
Is Delta Community Credit Union legal? Chevron icon Shows an expandable tab or menu, or sometimes previous/next navigation options.
Yes, Delta Community Credit Union is a legitimate financial institution. It is federally insured by the NCUA, meaning if the credit union closes, your insured deposits will be safe.
Is Delta Community Credit Union a good bank? Chevron icon Shows an expandable tab or menu, or sometimes previous/next navigation options.
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Delta Community Credit Union may be a good credit union if you live in Atlanta or select areas in Utah, Texas, and Kentucky. It’s a good choice if you want a high-yield CD or a rewards checking account but not a high-yield savings account.
Can anyone open an account at Delta Community Credit Union? Chevron icon Shows an expandable tab or menu, or sometimes previous/next navigation options.
No, like any credit union, you must meet membership requirements to open an account. You are eligible if you live in certain Georgia counties, are an employee/former employee/retiree of select businesses, or are a member of certain associations. You are eligible even if a family member is already registered. You can become a member as a non-US citizen if you work full-time for Delta Air Lines and live in one of many countries, although in this case you may be limited Limited to just one savings account.
Is Delta Community Credit Union federally insured? Chevron icon Shows an expandable tab or menu, or sometimes previous/next navigation options.
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Yes, Delta Community Credit Union is federally insured by the NCUA. Your money is safe even if the credit union suddenly closes. Up to $250,000 is protected in an individual bank account and up to $500,000 in a joint account.
How many locations does Delta Community Credit Union have? Chevron icon Shows an expandable tab 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 metropolitan area. The airline 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 methodology. Each account receives a score from 0 to 5.
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When evaluating each account, we look at ethics, customer service, and mobile apps. Other factors we consider depend on the type of account we are considering. Think, for example, of overdraft protection on current accounts and penalties for early withdrawal of certificates.
Your choice between Delta Community Credit Union and Atlanta Credit Union may depend on whether you qualify for membership at either financial institution. Atlanta Credit Union membership is limited to employees of certain organizations on this list. You may qualify to become a member of Delta Community Credit Union if you live in certain Georgia counties or work at select businesses.
You will also want to consider what accounts you want to open. Both banks have free checking and savings accounts and pay high interest rates on certificates. The highest rate will depend on the certificate term chosen.
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 in most terms than Wells Fargo. If you want to play CDs, Delta Community is probably the right choice.
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Wells Fargo’s strength is probably its branches across the US. You might like this if you travel a lot or plan to move soon and don’t want the hassle of switching banks.
Delta Credit Union is part of a shared branch network with locations across the United States, but keep in mind that shared branches have limitations. For example, you won’t be able to open new accounts at joint branches.
Laura Grace Tarpley (she) is a senior editor at Personal Finance Insider. He oversees coverage of mortgage rates, refinance rates, lenders, bank accounts, and loan and savings advice for Personal Finance Insider. She is a writer and editor of Business Insider’s “The Road Home” series, which won a Silver Award from the National Association of Real Estate Editors. She is also a certified personal finance educator (CEPF). He has been writing about personal finance for more than seven years. Before joining the Business Insider team, she was a freelance financial journalist for companies like SoFi and The Penny Hoarder, and an editor at FluentU. You can contact Laura Grace at ltarpley@. Learn more about how Personal Finance Insider selects, reviews and delivers financial products and services »
Evelyn Toi is an operations and compliance contributor at Business Insider
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