Delta Community Credit Union Review: Checking and Savings

Juan CastilloJanuary 9, 2018

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Overall bank rating

Delta Community Credit Union

    4.0

    NerdWallet rating 

    The bottom line: 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.

    Pros

    • No monthly fees on checking or savings accounts.

    • Free access to thousands of ATMs and branches nationwide.

    • Competitive rates on certificates of deposit.

    Cons

    • Membership is extremely limited.

    • Expensive overdraft fees on par with what big banks charge.

    RATING 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, 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.