Delta Community Credit Union Review: Membership With Perks

Learn if Delta Community Credit Union loans are right for you.

As the largest credit union in Georgia and one of the top 25 largest credit unions in the U.S., Delta Community Credit Union has apparently discovered the secret to success, which includes its 373,885 member base, who extend beyond employees of Delta Airlines. People who live or work in the 11-county metro Atlanta area, as well as employees of more than 150 businesses, are welcome to become members of the Delta credit union.

Here’s what you need to know about what Delta CCU has to offer and whether it would be the best credit union for your financial needs.

Review of Delta Community Credit Union Loans and Financial Services

Delta Community Credit Union offers a host of financial services for your needs — from basic accounts to seasoned financial advice. Use this review to find out if DCCU has the services needed for your financial lifestyle so that you can make an informed decision on whether to do business with the credit union or not. Here’s an overview of the banking and loan offerings from Delta Community Credit Union:

Delta Community Credit Union Fees and Rates
ProductRate (APR)TermRequirementsLimits
Checking0% to 0.05%N/AJoint owner is required for applicants 18 and youngerMinimum balance to earn dividends is $5,000
Savings0.30%N/AJoint owner is required for applicants 18 and younger$5 minimum opening deposit and minimum balance
Personal Loan6.25% to 17%12 to 60 monthsMust be a member to apply for a loan$500 to no maximum loan amount
Auto Loan1.98% to 14.43%12 to 84 monthsMust be a member of the credit union to apply for a loanCar loans of 61 to 72 months must be $20,000 or more; loans of 73 to 84 months must be $35,000 or more
Mortgage3.995% to 4.492%15-, 20- and 30-year fixed rate; 30-year fixed-rate jumbo; 10/1 Treas. ARMProperty insurance required; must be a member to apply for a loanCreditworthiness, loan to value and loan term affect interest rate offered
Certificate of Deposit0.79% to 1.88%6 to 60 monthsMust be a member of the credit union to open a CD$1,000 minimum opening deposit
Credit Card15% for Visa Classic Secured card; 11.25% to 15.25% for Visa Platinum RewardsN/AMust be a member of the credit union to apply for a credit card$500 to $50,000 credit lines available
Rates are current as of April 18, 2018.

How to Apply to Become a Member of Delta Community Credit Union

To become a member of Delta Community Credit Union, you’ll have to meet certain requirements. Credit unions require you to meet eligibility requirements, such as:

  • Living in a qualifying area
  • Having a current or former qualifying employer
  • Having qualifying relatives
  • Holding membership in qualifying associations

Before filling out an application, check DCCU’s website to determine your personal eligibility. After verifying that you are eligible for membership, you’ll need to fill out an application. Gather this information for all applicants before applying:

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  • Address
  • Date of birth
  • Valid driver’s license or other state-issued ID
  • Social Security number

Plus, lift all credit freezes you might have enacted with the credit bureaus before applying. Otherwise, your application will not be able to be approved.

Read: Credit Unions That Offer Free Checking Accounts

Delta Community Credit Union Financial Services and Products

In addition to offering personal and mortgage loans, savings and checking accounts, CDs and credit cards, DCCU offers a host of other financial services, such as home equity loans and lines of credit — as well as motorcycle, boat, RV and aircraft loans.

Rounding out the credit union’s financial services options are retirement and investment services, long-term care insurance, 401k rollovers and IRAs, personal insurance and identity theft protection.

DCCU Mobile and Online Banking Services

DCCU offers mobile website banking, SMS and a mobile app compatibility with both Apple and Android devices. From your mobile device, you can view your account and credit card balances, make payments, make deposits and transfer funds.

With online banking, you can view balances, make payments, transfer funds, view statements, set up alerts, manage DCCU credit and debit card reward programs and more.

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Must-Read: Best Credit Unions for Car Loans

Advantages and Disadvantages of Delta Community Credit Union

Before deciding to apply for membership with DCCU, it might be helpful to examine the pros and cons of credit unions. Here’s what you need to consider:


  • Free checking account
  • 25 percent financing discount on cars purchased via Carvana Delta Community
  • Cash rewards credit card
  • A variety of home lending options
  • Competitive CD rates
  • Mobile app


  • Membership qualifications are limited
  • $35 non-sufficient funds fee
  • Out-of-network ATM fees might apply

Is Delta Community Credit Union Right for You?

With all the credit unions available, it can be difficult to determine which one is a better fit for your financial needs. For people who live in DCCU’s service area and value not being hit with various fees just for owning and maintaining a checking account, this credit union might be a good fit. But for those who are looking for savings accounts with higher rates or who would have a difficult time finding an in-network ATM, there might be other choices that are better suited.

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About the Author

Cynthia Measom is a Texas-based writer specializing in finance, business, parenting and education. With almost a decade of online writing experience, her work has appeared on websites such as, The Bump and The Motley Fool. Measom received a Bachelor of Arts in English from the University of Texas at Austin.