Review: Delta Community Credit Union Savings Account & Better Options 

Delta Community Credit Union Savings Account Logo




Delta Community Credit Union Details

  • Savings Account
  • 0.25% APY
  • Monthly Fee: $0
  • Low Balance Fee / Inactive Account Fee: $5 per Month
  • Regional Account Open Restrictions Apply.
  • Must live near Atlanta, work for an Atlanta based company, or be related to a current member in order to open an account.

Not Recommended

Delta Community Credit Union Overall Rating

Delta Community Credit Union is a leading credit union based in Atlanta, Georgia. It offers a wide range of financial services and products to its members, ensuring their banking needs are met effectively. However, the restrictive membership eligibility requirements make it only a good choice if you live near Atlanta or work for an Atlanta based company.

If you’re looking for a higher APY for your savings, then you should look elsewhere.

Delta Community Credit Union offers one of the lowest savings rates available at 0.25%. This is so low, that our account recommendations below offer more than 100x this rate.

Aside from the basement bottom interest rate they offer, Delta Community Credit Union may charge you a monthly $5 fee on their basic account unless certain conditions are met.

Not only will your savings not make much money with this account, but you could lose money to one of the many fees Delta Community could charge you.

The savings accounts we recommend on this page do not have monthly fees, do not require large initial deposits, and give you 24/7 access to your money, while offering interest rates that are more than 100x Delta Community’s.

Earn a Higher Rate with Fewer Fees Than Fifth Third Bank with an Account From Our Partners Below

American Express High Yield Savings Account Logo

Annual Percentage Yield (APY)

4.25% APY

APY as of May 17, 2024


 On American Express National Bank's
Secure Site, Member FDIC

Best For: Competitive APY From An Online Bank

American Express is best known for their suite of incredibly rewarding credit cards. They also offer a high yield savings account with a competitive Annual Percentage Yield (APY) of 4.25% as of May 17, 2024.

Your interest compounds daily and is deposited in your account monthly.

Other benefits of this account include $0 monthly fees, 24/7 Customer Service, FDIC insurance up to $250,000 per depositor and the fact it's backed by the service & reliability of American Express, it's a no brainer as to why so many people are signing up.

To top it off, you can easily check balance and transaction history, deposit funds, and more within the American Express® App.

See American Express National Bank's Secure Site For More Details.

Discover Bank Logo

4.25% APY


On Discover Bank's Secure Site,
Member FDIC

Best For: Online Banking Experience + No Fees

Discover Bank offers 4.25% APY with no monthly fees and $0 initial deposit.

Discover Bank is one of the first online focused banks to offer no monthly fees and what they call "No. Fees. Period."

Whereas other banks may charge you a fee for certain services, Discover won't charge you a fee on any of the following items: monthly maintenance, official bank check, expedited delivery for official bank checks, deposited item returned, stop payment order, insufficient funds, or for closing your account.

If you're looking for a competitive APY with "No. Fees. Period." this account is for you.

See Discover Bank's Secure Site For More Details.

To recap our recommendations.

Best Savings Accounts According To CompareAccounts™

Delta Community Credit Union History:

Delta Community Credit Union is a not-for-profit financial institution based in Atlanta, Georgia, United States. It was originally established in 1940 as the Delta Employees Credit Union to serve the employees of Delta Air Lines. Over the years, it has grown in membership and expanded its services to cater to a broader range of customers.

The credit union began its operations with a small office at the Delta Air Lines headquarters and served a relatively small group of Delta employees. As it gained popularity and more employees joined, the credit union experienced significant growth. It provided financial products and services, including savings accounts, loans, and other financial services, exclusively to Delta Air Lines employees and their families.

In 2005, the Delta Employees Credit Union rebranded itself as Delta Community Credit Union to reflect its evolving membership base. This name change was accompanied by an expansion of membership eligibility to include more than just Delta Air Lines employees. Delta Community Credit Union opened its doors to serve residents of several counties in Georgia, including individuals who worked for select employer groups and members of various organizations.

As the credit union continued to expand its membership base, it also diversified its range of financial products and services. Delta Community Credit Union offers a comprehensive suite of banking services, including savings and checking accounts, consumer loans, credit cards, mortgage loans, investment services, business banking, and more. It operates numerous branch locations throughout the metro Atlanta area and offers convenient digital banking services to its members.

Delta Community Credit Union has consistently focused on providing exceptional customer service, competitive rates, and innovative financial solutions to its members. It has received numerous awards and recognition for its commitment to excellence and community involvement.

Today, Delta Community Credit Union remains one of the largest credit unions in Georgia, serving a diverse membership that extends beyond the Delta Air Lines community. It continues to uphold its mission of helping members achieve financial success and improve their lives through its reliable and member-focused financial services.


Delta Community Credit Union Financial Products:

Delta Community Credit Union offers a wide range of banking products and services to meet the financial needs of its members. Some of the key products and services provided by Delta Community Credit Union include:

  1. Savings Accounts: Members can open various types of savings accounts, such as Regular Savings, Money Market Accounts, Certificates of Deposit (CDs), and Individual Retirement Accounts (IRAs). These accounts help members save and earn interest on their funds.

  2. Checking Accounts: Delta Community Credit Union offers different types of checking accounts, including Free Checking, Advantage Checking, and Teen Checking. These accounts provide convenient access to funds for day-to-day transactions.

  3. Loans: The credit union offers a wide range of loan products, including auto loans, mortgage loans, personal loans, home equity loans, and student loans. These loans come with competitive rates and flexible terms to help members finance their needs.

  4. Credit Cards: Delta Community Credit Union offers credit cards with various features and benefits, including cashback rewards, low-interest rates, and no annual fees. Members can choose from a range of credit card options that suit their preferences.

  5. Online and Mobile Banking: Members have access to secure online and mobile banking platforms, allowing them to manage their accounts, transfer funds, pay bills, deposit checks remotely, and access a range of other banking services.

  6. Investment Services: Delta Community Credit Union provides investment services to help members plan for their future and achieve their financial goals. These services include retirement planning, wealth management, financial planning, and access to investment products.

  7. Business Banking: The credit union offers a suite of banking services for small businesses and commercial entities, including business checking accounts, business loans, merchant services, and cash management solutions.

  8. Insurance and Financial Tools: Delta Community Credit Union provides members with access to insurance products such as auto insurance, home insurance, and life insurance. Additionally, they offer financial tools and resources to help members with budgeting, financial planning, and debt management.

It’s important to note that the specific products and services offered may vary, and it’s advisable to visit the Delta Community Credit Union website or contact them directly for the most up-to-date information on their banking offerings.

Is Delta Community a Public Company?

No, Delta Community Credit Union is not a publicly traded company. It is a not-for-profit financial cooperative owned and operated by its members. Unlike publicly traded companies, which have shareholders and are driven by profit, credit unions like Delta Community Credit Union are member-owned and operated for the benefit of their members. This structure allows credit unions to prioritize the needs of their members and provide them with competitive rates, lower fees, and personalized service.

Delta Community Credit Union: Community Involvement

Delta Community Credit Union is deeply committed to community involvement and supporting the local communities it serves. Here are some ways in which Delta Community Credit Union demonstrates its community engagement:

  1. Financial Education: The credit union places a strong emphasis on financial education and offers various programs and resources to help individuals and families enhance their financial literacy. They conduct seminars, workshops, and webinars on topics such as budgeting, saving, credit management, and homebuying. These initiatives aim to empower community members with the knowledge and skills necessary to make informed financial decisions.

  2. Community Partnerships: Delta Community Credit Union actively collaborates with local nonprofit organizations, schools, and community groups to support initiatives that address community needs. They work closely with partner organizations to provide financial resources, volunteers, and sponsorships for events and activities that promote education, healthcare, youth development, and other community-focused causes.

  3. Philanthropy: The credit union has its own philanthropic arm called the Delta Community Credit Union Philanthropic Fund. Through this fund, they support a variety of charitable organizations and community projects through grants and donations. The fund focuses on areas such as education, healthcare, and community development, with an emphasis on helping underserved populations.

  4. Volunteerism: Delta Community Credit Union encourages its employees to actively participate in volunteer activities. The credit union provides paid time off for employees to engage in volunteer work, and employees contribute their time and skills to various community service projects. These initiatives range from financial literacy presentations in schools to participating in community clean-up events and charitable fundraisers.

  5. Scholarships: Delta Community Credit Union offers scholarship programs to support the educational aspirations of young individuals within the communities it serves. These scholarships are awarded to graduating high school seniors who demonstrate academic excellence, leadership qualities, and community involvement.

  6. Financial Support: In times of crisis or natural disasters, Delta Community Credit Union extends financial assistance and support to affected individuals and communities. They may offer loan deferment programs, financial relief options, or contribute to relief funds to help community members rebuild and recover.

These are just a few examples of how Delta Community Credit Union actively engages with the community. Their commitment to community involvement goes beyond providing financial services, demonstrating their dedication to making a positive impact and contributing to the well-being of their members and the broader community.

Delta Community Credit Union Contact Information:

Customer Service Call Center

(404) 715-4725

Mon.–Fri, 8 a.m.–4:30 p.m.
Sat., 9 a.m.–12 p.m.
Closed Sunday

Address: 1025 Virginia Ave
Atlanta, GA 30354 USA


 Visit Site For More Information


*National Savings Rate Average as published by FDIC

Frequently Asked Questions

Is Delta credit union part of Delta Air Lines?

No, Delta Community Credit Union is not affiliated with Delta Air Lines. It is an independent financial institution that provides banking services to members in the Atlanta metro area. While they may have partnerships with Delta Air Lines, they are separate entities.

Is Delta Community Credit Union only for Delta employees?

No, Delta Community Credit Union is not exclusively for Delta employees. Although it was initially established to cater to Delta Air Lines employees, it is now available to anyone residing or working in specific counties in Georgia. Membership eligibility requirements may vary, but many individuals can join by affiliating with qualifying organizations or associations. The credit union offers a diverse array of financial products and services to both Delta employees and the general public.

Is Delta Community Credit Union Trustworthy?

Yes, Delta Community Credit Union is a trustworthy financial institution with a solid reputation. It is regulated by the NCUA and insured by the NCUSIF, ensuring the safety of members’ deposits. With positive member reviews, excellent customer service, and strong financial stability, Delta Community Credit Union is a reliable choice for banking needs.

What are the benefits of joining a credit union?

Joining a credit union has several benefits. These include lower interest rates on loans, higher interest rates on savings accounts, and a member-owned structure that allows profits to be returned to members. Credit unions also prioritize personalized service, community involvement, and member participation in decision-making processes.

How can I join delta community credit union?

To become a member of Delta Community Credit Union, you need to meet their eligibility criteria, which may include residency or affiliation with a specific organization. You can apply online or visit a branch, provide the necessary documents, and pay any applicable fees to complete the membership process.