Delta Community Credit Union is a Georgia-based banking institution with free accounts and high rates on some of them, but membership is limited.
Jan 26, 2024 Written by Juan Castillo Juan Castillo Sara Clarke
Assistant Assigning Editor | Banking
Sara Clarke is a former Banking editor at NerdWallet. She has been an editor and project manager in newsrooms for two decades, most recently at U.S. News & World Report. She managed projects such as the U.S. News education rankings and the Best States rankings. Sara has appeared on SiriusXM Business Radio and iHeartMedia’s WHO Newsradio and has been quoted in The Salt Lake Tribune, The St. Paul (Minnesota) Pioneer Press and other outlets. She is based near Washington, D.C.
Fact Checked Co-written by Spencer Tierney Senior Writer Spencer TierneySpencer Tierney is a consumer banking writer at NerdWallet. He has covered personal finance since 2013, with a focus on certificates of deposit and other banking-related topics. His work has been featured by The Washington Post, USA Today, The Associated Press and the Los Angeles Times, among others. He is based in Oakland, California.
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The bottom line:Delta Community Credit Union is a traditional brick-and-mortar financial institution with close to 30 branches mostly in Georgia, as well as shared branching and ATMs with thousands of credit unions nationwide. Checking accounts have no minimum balance requirements, and savings accounts require only $5. (Explore other no-fee savings accounts .) Mobile apps receive high ratings, and customer service is available 24/7. Membership, however, is restricted to Delta Airlines employees and their families, residents of several counties in Georgia, and others listed on the credit union’s website.
No monthly fees. Competitive rates on share certificates. Large, free, nationwide ATM network. Expensive overdraft fee. Limited membership.Delta Community Credit Union Review
Federally insured by NCUA
/5 NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
Minimum deposit Show detailsDelta Community’s CD terms range from six months to five years, and the minimum of $1,000 is somewhat low for CDs. Rates are competitive.
» COMPARE: See our list of best CD rates
NerdWallet’s overall ratings for banks and credit unions are weighted averages of several categories: checking, savings, certificates of deposit or credit union share certificates, banking experience and overdraft fees. Factors we consider, depending on the category, include rates and fees, ATM and branch access, account features and limits, user-facing technology, customer service and innovation. The stars represent ratings from poor (one star) to excellent (five stars). Ratings are rounded to the nearest half-star.
About the authors
Juan Castillo Spencer TierneySpencer Tierney is a writer and NerdWallet's authority on certificates of deposit. His work has been featured by USA Today and the Los Angeles Times.Read more
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