2600 1ST AVE S
Escanaba, MI 49829
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 1.05% →
1-Year CD 0.60% 1.05% →
2-Year CD 0.90% 1.11% →
5-Year CD 1.31% 1.56% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Credit Union Information

Delta County is an NCUA insured institution located in Escanaba, MI. It was founded in 1960 and has approximately $140.9 millions in assets.

NCUA Insured Yes
Charter Number # # 62454
Date Established 1960
Assets $140.90 million
Loans $82.88 million
Deposits $121.64 million
Capital $18.10 million

Field of Membership Restrictions

Delta County Credit Union of Michigan is open to the businesses, property owners, residents, church members, registered students, people maintaining employment and retired seniors that are 55+ and receives an income compensation in Delta County. Membership eligibility also extends to include the credit union employees, family members of current credit union members, and any local organizations that are primarily composed of credit union members.

Deposit Rates - August 8, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.10% $2,500 $4,999 Learn More
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.20% $10,000 $14,999 Learn More
Money Market
0.20% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.20% $10,000 $14,999 Learn More
3 Mo CD
0.20% $100,000 $199,999 Learn More
6 Mo CD
0.40% $10,000 $14,999 Learn More
6 Mo CD
0.40% $100,000 $199,999 Learn More
12 Mo CD
0.60% $10,000 $14,999 Learn More
12 Mo CD
0.60% $100,000 $199,999 Learn More
18 Mo CD
0.70% $10,000 $14,999 Learn More
18 Mo CD
0.70% $100,000 $199,999 Learn More
24 Mo CD
0.90% $10,000 $14,999 Learn More
24 Mo CD
0.90% $100,000 $199,999 Learn More
30 Mo CD
0.90% $10,000 $14,999 Learn More
30 Mo CD
0.90% $100,000 $199,999 Learn More
36 Mo CD
1.01% $10,000 $14,999 Learn More
36 Mo CD
1.01% $100,000 $199,999 Learn More
48 Mo CD
1.21% $10,000 $14,999 Learn More
48 Mo CD
1.21% $100,000 $199,999 Learn More
60 Mo CD
1.31% $10,000 $14,999 Learn More
60 Mo CD
1.31% $100,000 $199,999 Learn More
Variable IRA Rates APY MIN MAX
0.65% $1 $499 Learn MoreShow Less

Loan Rates - August 8, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for DELTA COUNTY

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
3.494% 3.375% 1.00 $3,750 $1,106 Learn More
NMLS ID: 2890
License#: MC-3098
2.914% 2.875% 0.50 $1,250 $1,038 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.


Below are Delta County 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:

Delta County Locations

Financial Details

Delta County Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Delta County. 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 County U.S. Average
2.99% 6.71

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 March 30, 2020, Delta County had $538,336 in non-current loans and $24,564 in owned assets. To cover these potential losses it had $18,097,192 in net worth and $705,015 in loans loss reserves. That gives it a Texas Ratio of 2.99%.

Net Worth
Delta County U.S. Average
12.84% 13.61%

Delta County FCU has a net worth of 12.84% versus the BestCashCow average of 13.61. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Delta County

Branches and Savings

What is Delta County?

A federal credit union, registered with the NCUA under certificate #62454.
Learn more about credit unions here.

Is Delta County FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Delta County?

Please see Field of Membership information above for information on who is eligible to join.

What are Delta County's share account and share certificate rates?

Delta County's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Delta County?

Delta County has total capital of $18.10 million. Full information on Delta County's financial position is located above.

Who owns Delta County?

Credit Unions are owned by their members.

Where are Delta County branches located?

See branch locations nearby.

Are Delta County ATMs Open 24/7?

Do Delta County ATMs accept cash deposits?

Can Delta County customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Delta County have a mobile app?

Does Delta County have mobile deposit?

Does Delta County have quick pay?

How can Delta County transfer money to other banks or credit unions?

Does Delta County report to credit bureaus?

Does Delta County use Chexsystems?

Does Delta County use Equifax?

What is Delta County's toll free phone number?

What is Delta County's ACH Routing Number?

What is Delta County's SWIFT code?

Where can I find Delta County's wire transfer form?

What is the Delta County address for deposits?

What Products Does Delta County Offer

Does Delta County offer mortgages?

Compare mortgage rates here.

Does Delta County offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Delta County offer auto and RV loans?

Compare auto loan rates here.

Does Delta County offer student loans or personal loans?

Compare personal loan rates here.

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