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Delta Community Credit Union Review: Checking and Savings

Banking, Banks & Credit Unions, Checking Accounts, Savings Accounts
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Delta Community Credit Union Review
NerdWallet’s rating: 4.0 / 5.0

Learn more
at Delta Community Credit Union

A traditional financial institution, Delta Community Credit Union provides a full range of banking services and has no monthly fees on deposit accounts.

The bottom line

  • The credit union could be a good choice if you value checking and savings accounts with no monthly fees
  • Unless you’re willing to lock away your money for five years, Delta Community’s rates on certificates of deposit are below what you can get on high-yield savings accounts at top online banks 
  • Though nonsufficient funds fees are a high $35, Delta Community offers a consumer-friendly overdraft protection policy

» MORE: NerdWallet’s best credit unions

Our Ratings
Certificates of deposit (CDs)
Customer experience
Overdraft fees

Here are more details about Delta Community Credit Union’s checking and savings accounts, CDs, customer experience and fees.

Checking account

4.5 / 5.0
Delta Community offers one personal checking account.  

  • No monthly maintenance fee, no minimum opening deposit and no monthly balance requirement

  • You get access to nearly 30,000 surcharge-free ATMs in the U.S. and 10 other countries, including 50 ATMs owned by Delta Community
  • If you have under $5,000 in your account, you’ll earn no interest. Even on balances above that, the highest interest rate is a very low 0.05%.

Account reviewed: Personal Checking Account

» MORE: NerdWallet’s best checking accounts


4.0 / 5.0

Delta Community offers one basic savings account. Its website also features 10 calculators to help you reach your saving goals.

  • The $5 minimum opening deposit and $5 monthly balance are low

  • The annual percentage yield (APY) is 0.15%. For a $1,000 balance, that’s slightly better than the 0.13% national average rate for credit unions. Other banks, however, can offer more than 1.00%.
  • If the total of your combined balances in deposit and loan accounts falls below $60 and you haven’t made any transactions for six months, your account is considered inactive and may be assessed a $5 monthly fee. There’s no inactivity fee for account owners under age 18.

Account reviewed: Personal Savings Account

» MORE: NerdWallet’s best savings accounts

Certificates of deposit

3.0/ 5.0
Delta Community has a standard range of CDs with terms from six months to five years.

  • A decent minimum balance of $1,000
  • Rates for CDs with six-month to five-year terms range from 0.40% to 1.40%. That’s better than interest rates offered by most banks, but it’s possible to find better CD rates elsewhere.

Customer experience

4.5/ 5.0

Delta Community has 26 full-service branches. Members also have access to over 5,000 shared branches across the country through the credit union CO-OP network.

You can reach Delta Community’s customer service by phone and email. Live phone service is available 24/7, though it’s provided by a third-party representative after business hours.

Customers seem to like its iOS and Android mobile apps, giving them average ratings of 4.4 stars and 4.6 stars, respectively, out of a possible 5 stars. The credit union’s website is not loaded with bells and whistles, but it’s useful and easy to navigate.

Overdraft fees

3.0/ 5.0

When you open your checking account, a savings account will be set up as a source of overdraft protection at no charge. Automatic transfers from the savings account to cover any overdrafts also are free. You can link a Delta Community credit card or line of credit to your checking account to cover overdrafts, although these transfers will cost you $3 each.

You can opt into a Courtesy Pay service, which covers bounced checks and items such as electronic payments from your checking account up to a $500 limit. It lets your account go in the red while paying for transactions that would have been rejected otherwise. Each of these transactions will cost a nonsufficient funds fee of $35.

Delta Community doesn’t charge an additional fee for accounts with continuing negative balances.

No frills, no fees

Learn more
at Delta Community Credit Union

One of the more appealing aspects of Delta Community is its no-frills simplicity. Unlike many financial institutions that have conditions and terms for waiving fees, Delta Community offers easy access to deposit accounts with no fees. Its interest rates aren’t bad, but you can do better if you want to maximize your savings interest.

Updated May 12, 2017.

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.

Ratings are rounded to the nearest half-star.