Delta Community Credit Union
Headquarters
3250 Riverwood Pkwy Se
Atlanta, GA 30339
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Phone 1-404-715-4725
2024 Overview
General Credit Union Information
Delta Community is an NCUA insured institution located in Atlanta, GA. It was founded in 1940 and has approximately $8657.25 millions in assets.
Who can join?
Membership Eligibility
Membership in Delta Community Credit Union is an exclusive benefit available to individuals who meet one of the following eligibility requirements:
https://www.deltacommunitycu.com/Top-Nav/Eligibility.aspx
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 66357 |
| Date Established | 1940 |
| Assets | $8,657.25 million |
| Loans | $5,645.62 million |
| Deposits | $7,379.78 million |
| Capital | $993.08 million |
Field of Membership Restrictions
Membership in Delta Community Credit Union is open to residents of Cobb, Cherokee, Clayton, Coweta, Fayette, DeKalb, Forsyth, Fulton, Gwinnett, Henry, or Hall Counties in Georgia. Membership is also open to employees of Delta Air Lines, Inc., Amerifleet Transportation, Corporate Services Management America, and over 150 groups and organizations.
Deposit Rates - April 24, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.25% | $0 | - |
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|
|
Money Market
|
0.45% | $1,000 | $9,999 |
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|
|
Money Market
|
0.60% | $25,000 | $4,999 |
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|
|
Money Market
|
0.85% | $100,000 | - |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Month
|
4.00% | $1,000 | - |
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|
| 12 Month
|
5.15% | $1,000 | - |
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|
| 24 Month
|
4.50% | $1,000 | - |
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|
| 36 Month
|
4.00% | $1,000 | - |
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|
| 60 Month
|
4.00% | $1,000 | - |
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|
Loan Rates - April 24, 2024
Your Current Location: Ohio, OH 43085
| Auto Loan Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 3 Year | 2.68% | 2.68% | $723.51 | |
| 4 Year | 2.68% | 2.68% | $549.83 | |
| 5 Year | 2.68% | 2.68% | $445.67 |
| Refinance Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 15 Year Fixed Conforming See Amortization Table |
6.74% | 6.38% | $2,765.60 | |
| 20 Year Fixed Conforming See Amortization Table |
7.29% | 7.00% | $2,480.96 | |
| 30 Year Fixed Conforming See Amortization Table |
7.33% | 7.13% | $2,155.90 | |
| 30 Year Fixed Jumbo See Amortization Table |
7.32% | 7.25% | $2,182.96 |
| Purchase Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 15 Year Fixed Conforming See Amortization Table |
6.74% | 6.38% | $2,765.60 | |
| 20 Year Fixed Conforming See Amortization Table |
7.29% | 7.00% | $2,480.96 | |
| 30 Year Fixed Conforming See Amortization Table |
7.33% | 7.13% | $2,155.90 | |
Compare with 6.806% APR and 6.625% 30-Year Fixed RATE from PenFed Credit Union
See All Mortgage Rates |
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| 30 Year Fixed Jumbo See Amortization Table |
7.32% | 7.25% | $2,182.96 | |
|
Compare with 6.806% APR and 6.625% 30-Year Fixed RATE from PenFed Credit Union
See All Mortgage Rates |
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Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.
Branches
Below are Delta Community branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Climate Policy and Initiatives
DELTA COMMUNITY is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Delta Community Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Delta Community. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Delta Community | U.S. Average |
|---|---|
| 3.42% | 6.97 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of December 31, 2023, Delta Community had $34,191,615 in non-current loans and $1,300,580 in owned assets. To cover these potential losses it had $993,083,910 in net worth and $44,675,976 in loans loss reserves. That gives it a Texas Ratio of 3.42%.
Net Worth
| Delta Community | U.S. Average |
|---|---|
| 11.46% | 13.62% |
Delta Community FCU has a net worth of 11.46% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Delta Community
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