Delta Community Credit Union Review: Checking, Savings and CDs

Delta Community Credit Union is a Georgia-based banking institution with free accounts and high rates on some of them, but membership is limited.
Juan Castillo
By Juan Castillo 
Edited by Sara Clarke

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Delta Community Credit Union
  • Certificates of deposit

Overall institution rating


NerdWallet rating 
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.

Full review

Certificates of deposit

Delta Community Credit Union CD
Delta Community Credit Union CD


Federally insured by NCUA


 NerdWallet rating 
1-year APY
3-year APY
5-year APY
Minimum deposit

Delta 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.