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Delta Community Credit Union Review: Checking and Savings

January 9, 2018
Banking, Banks & Credit Unions, Checking Accounts, Savings Accounts
At NerdWallet, we adhere to strict standards of editorial integrity to help you make decisions with confidence. Some of the products we feature are from our partners. Here’s how we make money.
We adhere to strict standards of editorial integrity. Some of the products we feature are from our partners. Here’s how we make money.

Delta Community Credit Union Review
NerdWallet’s rating: 4.0 / 5.0

Where Delta Community Credit Union shines:

  • No monthly fees on checking or savings accounts
  • Free access to thousands of ATMs and branches nationwide
  • Competitive rates on certificates of deposit

Where Delta Community Credit Union falls short:

  • Membership is extremely limited
  • Expensive overdraft fees on par with what big banks charge

Where Delta Community Credit Union shines:

  • No monthly fees on checking or savings accounts
  • Free access to thousands of ATMs and branches nationwide
  • Fairly high rates on certificates of deposit

Where Delta Community Credit Union falls short:

  • Membership is extremely limited
  • Expensive overdraft fees on par with what big banks charge

Where Delta Community Credit Union shines:

  • No monthly fees on checking or savings accounts
  • Free access to thousands of ATMs and branches nationwide
  • Competitive rates on certificates of deposit

Where Delta Community Credit Union falls short:

  • Membership is extremely limited
  • Expensive overdraft fees on par with what big banks charge

 

The bottom line

Delta Community Credit Union

at Delta Community Credit Union,

Federally insured by the NCUA


Delta Community Credit Union is a traditional brick-and-mortar financial institution with a handful of branches, 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.

Best if: you’re eligible for membership and want low-cost banking and decent CD rates.


Delta+Community+Credit+Union
Learn more
at Delta Community Credit Union

» Looking to compare? See our Best Credit Unions roundup for our top picks.


Ratings methodology

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, customer 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.

Updated Jan. 9, 2018