Delta Community Credit Union: Savings, Checking and CD Rates

Delta Community Credit Union offers its members multiple savings vehicles, including competitive CD rates, checking accounts, and savings accounts. This guide compares Delta Community’s interest rates to checking, savings account, fixed annuity rates, and CD rates offered at other top banks in the USA.

So without further ado, let’s get started.

Delta Community Checking Account Rates

Minimum Balance	APY
$0.01 to $4,999.99	0.00%
$5,000.00 to $24,999.99	0.01%
$25,000.00+	0.02%

Delta Community Credit Union CD Rates

Term	Minimum Deposit	APY
6 Month	$1,000.00	0.35%
1 Year	$1,000.00	0.50%
2 Year	$1,000.00	0.60%
3 Year	$1,000.00	0.75%
5 Year	$1,000.00	0.95%

Delta Community Savings Account Rates

Type	Minimum Balance	APY
Regular Savings	$0.01	0.08%

CDs vs Fixed Annuity

A multi year guaranteed annuity (MYGA) is essentially a CD that is issued by an insurance company rather than a bank. The table below compares and contrasts some of the key differences and similarities between the two.

FEATURES	FIXED ANNUITY	CD
Issued By	Insurance Companies	Banks
Investment Amount	$2,000 - $1,000,000	Essentially Any Amount
Investment Term	2 years - 10 years	3 months - 5 years
Interest Rates (APY)	Varies by product.	Varies by bank, term and investment amount.
Liquidity	Usually, 10% annually or interest earned.	Almost always accumulated interest.
Guarantees	Backed by Insurer & State Guaranty Associations.	Backed by the FDIC.
Death Benefit	May avoid probate.	Probate process required.

Get a Fixed Annuity Quote

Today's Best Guaranteed Annuity Rates

Fixed annuity rates are guaranteed for a set number number of years.

Term	Company	Annuity	Rate	AM Best	Free withdrawals	Application
2 Years	CL Life	CL Sundance	5.25%	B++	Interest Only	Apply
3 Years	Mountain Life	Alpine Horizon	6.00%	B+	None	Apply
4 Years	Mountain Life	Alpine Horizon	6.05%	B+	10%	Apply
5 Years	Knighthead Life	Staysail Annuity	6.30% Simple	A-	None	Apply
6 Years	Equitrust	Certainty Select	5.60%	B++	Interest Only	Apply
7 Years	Knighthead Life	Staysail Annuity	6.50% Simple	A-	None	Apply
8 Years	EquiTrust	Certainty Select	5.65%	B++	Interest Only	Apply
9 Years	Clear Spring Life	Preserve MYGA	5.35%	A-	None Yr 1 10% Yrs. 2-9	Apply
10 Years	Revol One	DirectGrowth MYGA	6.00%	B++	None	Apply

Today's Top CD Rates

3 Month CD Rates

Best 3-Month CD Rates	APY	Term	Minimum
Signature Federal Credit Union	5.55%	3 Months	$500
Ponce Bank	5.40%	3 Months	$1
Western Alliance Bank	5.41%	3 Months	$1

12 Month CD Rates

Bank	Rate	Term	Minimum
All In Credit Union	5.85% APY	12 Months	$100,000
My eBanc	5.77% APY	12 Months	$100,000
State Bank of Texas	5.75% APY	12 Months	$50,000

2 Year CD Rates

Bank	Rate	Term	Minimum
Luana Savings Bank	5.68% APY	24 Months	$100,000.00
Maple Mark Bank	5.40% APY	24 Months	$25,000.00
Crescent Bank	5.35% APY	24 Months	$1,000.00

3 Year CD Rates

Bank	APY	Term	Minimum
Valley National Bank	5.60%	36 Months	$500
Bread Savings	4.95%	36 Months	$1,500
The State Exchange Bank	4.70%	36 Months	$1

4 Year CD Rates

Bank	APY	Term	Minimum
Bread Savings	4.75%	48 Months	$1
The State Exchange Bank	4.50%	48 Months	$1
Barclays	4.45%	48 Months	$1

5 Year CD Rates

Bank	APY	Term	Minimum
Farmers Insurance	5.00%	60 Months	$1,000
Schools First Credit Union	4.75%	60 Months	$100,000
Bread Savings	4.75%	60 Months	$1,500

Key Take-Aways

A certificate of deposit is very similar to a fixed annuity. If you are looking for a safe and steady way to grow your retirement savings you can learn more about fixed “CD Type Annuities” here.

If you would like a personalized annuity quote you can contact us or use one of our fixed annuity calculators to see how much an annuity would pay you.

Frequently Asked Questions

Are Annuities FDIC Insured?

While not federally insured, State Guaranty Associations provide a safety net for their state’s annuity policyholders. These Guaranty Associations guarantee policyholders continue to receive coverage (up to the limits spelled out by state law) even if their insurer is declared insolvent. Source: “Learn to Invest, Investment Types, Annuities, Fixed Annuities.” Financial Industry Regulatory Authority (FINRA). Visit FINRA’s Fixed Annuities Webpage

Can you Loose money in a fixed annuity?

You can not lose money in a fixed annuity. However, guarantees are backed by the claims-paying ability of the issuing insurance company so it is important to consider an insurer’s financial rating when shopping for an annuity.

Does a Fixed Annuity Have any Fees?

Fixed Annuities do not have any fees or expenses unless you add an additional rider that was not mentioned on this page.

What is Delta Community Credit Union's Routing Number?

Delta Community Credit Union Routing Number: 261071315

Delta Community CU Branch Locations in GA

Cities (A to D)

Atlanta (Virginia Avenue)*
1025 Virginia Avenue
Atlanta, GA 30354

Hours:
Mon-Fri 8:00 a.m. – 4:30 p.m.

Drive-thru:

Mon-Fri 7:00 a.m. – 5:30 p.m.

Atlanta (Midtown)*
80 Peachtree Place NE
Atlanta, GA 30309

Hours:
Mon-Thu 8:30 a.m. – 4:30 p.m.
Fri 8:30 a.m. – 5:30 p.m.
Sat 9:00 a.m. – 12:00 p.m.

Drive-thru:
Mon-Thu 8:30 a.m. – 5:30 p.m.
Fri 8:30 a.m. – 6:00 p.m.
Sat 9:00 a.m. – 12:00 p.m.

Atlanta (Hartsfield-Jackson Int’l Airport)
Hartsfield-Jackson Atlanta Int’l Airport
Atlanta, GA 30320

Hours:
Mon-Fri 7:00 a.m. – 4:30 p.m.

Buford (Kroger)
3300 Hamilton Mill Road
Buford, GA 30519

Hours:
Mon-Fri 10:00 a.m. – 6:00 p.m.
Sat 10:00 a.m. – 2:00 p.m.

Canton (Kroger)
6766 Hickory Flat Highway
Canton, GA 30115

Hours:
Mon-Fri 10:00 a.m. – 6:00 p.m.
Sat 10:00 a.m. – 2:00 p.m.

Chamblee-Brookhaven*
5001 Peachtree Boulevard, Suite 520
Chamblee, GA 30341

Hours:
Mon-Fri 8:30 a.m. – 4:30 p.m.
Sat 9:00 a.m. – 12:00 p.m.

Cumming*
445 Peachtree Parkway
Cumming, GA 30041

Hours:
Mon-Thu 8:30 a.m. – 4:30 p.m.
Fri 8:30 a.m. – 5:30 p.m.
Sat 9:00 a.m. – 12:00 p.m.

Drive-thru:
Mon-Thu 8:30 a.m. – 5:30 p.m.
Fri 8:30 a.m. – 6:00 p.m.
Sat 9:00 a.m. – 12:00 p.m.

Decatur*
160 Clairemont Avenue
Decatur, GA 30030

Hours:
Mon-Thu 8:30 a.m. – 4:30 p.m.
Fri 8:30 a.m. – 5:30 p.m.
Sat 9:00 a.m. – 12:00 p.m.

Drive-thru:
Mon-Thu 8:30 a.m. – 5:30 p.m.
Fri 8:30 a.m. – 6:00 p.m.
Sat 9:00 a.m. – 12:00 p.m.

Douglasville*
2850 Chapel Hill Road
Douglasville, GA 30135

Hours:
Mon-Fri 8:30 a.m. – 4:30 p.m.
Sat 9:00 a.m. – 12:00 p.m.

Duluth (Sugarloaf)*
1980 Satellite Boulevard NW
Duluth, GA 30097

Hours:
Mon-Thu 8:30 a.m. – 4:30 p.m.
Fri 8:30 a.m. – 5:30 p.m.
Sat 9:00 a.m. – 12:00 p.m.

Drive-thru:
Mon-Thu 8:30 a.m. – 5:30 p.m.
Fri 8:30 a.m. – 6:00 p.m.
Sat 9:00 a.m. – 12:00 p.m.

Cities (F to N)

Fayetteville (Summit Point)*
140 Highway 92 South
Fayetteville, GA 30215

Hours:
Mon-Thu 8:30 a.m. – 4:30 p.m.
Fri 8:30 a.m. – 5:30 p.m.
Sat 9:00 a.m. – 12:00 p.m.
Saturdays are appointment-only

Drive-thru:
Mon-Thu 8:30 a.m. – 5:30 p.m.
Fri 8:30 a.m. – 6:00 p.m.
Sat 9:00 a.m. – 12:00 p.m.

Gainesville (Dawsonville Highway)*
Village Shoppes at Gainesville
891 Dawsonville Highway, Suite 140
Gainesville, GA 30501

Hours:
Mon-Fri 8:30 a.m. – 4:30 p.m.
Sat 9:00 a.m. – 12:00 p.m.

Drive-thru:
Mon-Fri 8:30 a.m. – 4:30 p.m.
Sat 9:00 a.m. – 12:00 p.m.

Johns Creek (McGinnis Ferry Road)*
6700 McGinnis Ferry Road NE
Johns Creek, GA 30097

Hours:
Mon-Thu 8:30 a.m. – 4:30 p.m.
Fri 8:30 a.m. – 5:30 p.m.
Sat 9:00 a.m. – 12:00 p.m.

Drive-thru:
Mon-Thu 8:30 a.m. – 5:30 p.m.
Fri 8:30 a.m. – 6:00 p.m.
Sat 9:00 a.m. – 12:00 p.m.

Marietta (Dallas Highway)*
2627 Dallas Highway SW
Marietta, GA 30064

Hours:
Mon-Thu 8:30 a.m. – 4:30 p.m.
Fri 8:30 a.m. – 5:30 p.m.
Sat 9:00 a.m. – 12:00 p.m.

Drive-thru:
Mon-Thu 8:30 a.m. – 5:30 p.m.
Fri 8:30 a.m. – 6:00 p.m.
Sat 9:00 a.m. – 12:00 p.m.

Marietta (Johnson Ferry Road)*
Woodlawn Square Shopping Center
1205 Johnson Ferry Road, Suite 108
Marietta, GA 30068

Hours:
Mon-Fri 8:30 a.m. – 4:30 p.m.
Sat 9:00 a.m. – 12:00 p.m.

McDonough*
210 Jonesboro Road
McDonough, GA 30253

Hours:
Mon-Thu 8:30 a.m. – 4:30 p.m.
Fri 8:30 a.m. – 5:30 p.m.
Sat 9:00 a.m. – 12:00 p.m.
Saturdays are appointment-only

Drive-thru:
Mon-Thu 8:30 a.m. – 5:30 p.m.
Fri 8:30 a.m. – 6:00 p.m.
Sat 9:00 a.m. – 12:00 p.m.

Newnan (Coweta Crossroads)*
90 Glenda Trace, Suite A
Newnan, GA 30265

Hours:
Mon-Fri 8:30 a.m. – 4:30 p.m.
Sat 9:00 a.m. – 12:00 p.m.

Newnan (Highway 34 East)*
1825 Highway 34 East
Newnan, GA 30265

Hours:
Mon-Thu 8:30 a.m. – 4:30 p.m.
Fri 8:30 a.m. – 5:30 p.m.
Sat 9:00 a.m. – 12:00 p.m.
Saturdays are appointment only

Drive-thru:
Mon-Thu 8:30 a.m. – 5:30 p.m.
Fri 8:30 a.m. – 6:00 p.m.
Sat 9:00 a.m. – 12:00 p.m.

Cities (P to Z)

Peachtree City (Braelinn Village)*
Braelinn Village Shopping Center
472 Crosstown Drive
Peachtree City, GA 30269

Hours:
Mon-Fri 8:30 a.m. – 4:30 p.m.
Sat 9:00 a.m. – 12:00 p.m.

Peachtree City (Wisdom Road)*
315 Highway 74 North
Peachtree City, GA 30269

Hours:
Mon-Thu 8:30 a.m. – 4:30 p.m.
Fri 8:30 a.m. – 5:30 p.m.
Sat 9:00 a.m. – 12:00 p.m.
Saturdays are appointment only

Drive-thru:
Mon-Thu 8:30 a.m. – 5:30 p.m.
Fri 8:30 a.m. – 6:00 p.m.
Sat 9:00 a.m. – 12:00 p.m.

Sandy Springs (Hammond Drive)*
1100 Hammond Drive, Suite 100
Sandy Springs, GA 30328

Hours:
Mon-Fri 8:30 a.m. – 4:30 p.m.
Sat 9:00 a.m. – 12:00 p.m.

Snellville*
1708 Scenic Highway South, Suite H
Snellville, GA 30078

Hours:
Mon-Fri 8:30 a.m. – 4:30 p.m.
Sat 9:00 a.m. – 12:00 p.m.

Stockbridge (Eagles Landing)*
285 Center Pointe Parkway
Stockbridge, GA 30281

Hours:
Mon-Thu 8:30 a.m. – 4:30 p.m.
Fri 8:30 a.m. – 5:30 p.m.
Sat 9:00 a.m. – 12:00 p.m.
Saturdays are appointment only

Drive-thru:
Mon-Thu 8:30 a.m. – 5:30 p.m.
Fri 8:30 a.m. – 6:00 p.m.
Sat 9:00 a.m. – 12:00 p.m.

Stockbridge (Mt. Zion Parkway)*
5006 Mt. Zion Parkway
Stockbridge, GA 30281

Hours:
Mon-Thu 8:30 a.m. – 4:30 p.m.
Fri 8:30 a.m. – 5:30 p.m.
Sat 9:00 a.m. – 12:00 p.m.
Saturdays are appointment only

Drive-thru:
Mon-Thu 8:30 a.m. – 5:30 p.m.
Fri 8:30 a.m. – 6:00 p.m.
Sat 9:00 a.m. – 12:00 p.m.

Vinings (Cumberland Boulevard)*
3250 Riverwood Parkway
Atlanta, GA 30339

Hours:
Mon-Thu 8:30 a.m. – 4:30 p.m.
Fri 8:30 a.m. – 5:30 p.m.
Sat 9:00 a.m. – 12:00 p.m.

Drive-thru:
Mon-Thu 8:30 a.m. – 5:30 p.m.
Fri 8:30 a.m. – 6:00 p.m.
Sat 9:00 a.m. – 12:00 p.m.

Woodstock* (Coming Soon)
285 Molly Lane
Woodstock, GA 30189

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Editorial Disclosure: Our editorial team independently reviews and rates annuity products. We may earn commissions when you request a quote through our partner links. This content is for informational purposes only and does not constitute financial advice. Learn more.

Disclaimer: This content is for informational and educational purposes only. It does not constitute financial, tax, or legal advice. Annuity products vary by state and carrier. Always consult a licensed financial professional before making any financial decisions. My Annuity Store is an independent marketplace and does not provide investment advice.

Pros and Cons of Fixed Annuities

Before you commit to a fixed annuity, weigh the advantages and drawbacks for your retirement situation.

✓ Pros

✓ Guaranteed rate locked in for the full term, no surprises
✓ Principal is 100% protected from market losses
✓ Often pays significantly more than CDs or savings accounts
✓ Tax-deferred growth, no annual tax bill until withdrawal
✓ Up to 10% annual free withdrawal without surrender charge
✓ State guaranty association coverage (typically up to $250,000)
✓ Simple to understand, no moving parts or index tracking

✗ Cons

✗ Surrender charges apply if you withdraw more than 10% early
✗ Not FDIC insured. Backed by the insurance company, not the government
✗ Earnings taxed as ordinary income (not capital gains rates)
✗ 10% IRS early-withdrawal penalty before age 59½
✗ Rate is fixed, so you won't benefit if market rates rise
✗ Less liquidity than a savings account or money market

Types of Annuities

Insurance companies offer several types of annuities to fit different financial goals. Here's how they compare.

A MYGA (Multi-Year Guaranteed Annuity) is the simplest fixed annuity. Your rate is guaranteed for the entire term of 3, 5, or 7 years. No market exposure, no index tracking. What you see is what you earn.

Best for: Savers who want a predictable, guaranteed return and are comfortable locking funds for a set term. Often compared to CDs but frequently pays more.

Learn more about MYGAs →

A Fixed Indexed Annuity (FIA) links your interest credits to a market index (like the S&P 500) with a floor of 0%, so you can never lose principal. Upside is capped via participation rates or caps.

Best for: Investors who want some market participation with a safety net. More complex than MYGAs but potentially higher returns in strong market years.

Learn more about FIAs →

A SPIA (Single Premium Immediate Annuity) converts a lump sum into a guaranteed income stream: monthly checks that start within 30 days and continue for life or a set period.

Best for: Retirees who need guaranteed income immediately and want to eliminate the risk of outliving their money. The "pension replacement" product.

Learn more about SPIAs →

A Variable Annuity invests your premium in sub-accounts (similar to mutual funds). Returns fluctuate with the market, so you can earn more but can also lose principal.

Best for: Long-term investors who want market exposure inside a tax-deferred wrapper and are comfortable with investment risk. Higher fees than fixed products.

Learn more about variable annuities →

A RILA (Registered Index-Linked Annuity) offers partial market participation with a defined buffer against losses (e.g., 10% or 20%). Unlike FIAs, RILAs can lose money, but losses are limited.

Best for: Investors willing to accept limited downside in exchange for higher upside potential than a traditional FIA. A middle ground between fixed and variable.

Learn more about RILAs →

Rate Methodology

MYGA Sales Hit an All-Time High in 2025

FIA Sales Leaders 2015–2025

Suze Orman on Annuities

2025 Best Multi-Carrier Annuity Platform

Delta Community Credit Union Cd Rates Review 2024

Delta Community Credit Union: Savings, Checking and CD Rates

Table of Contents

Delta Community Checking Account Rates

Delta Community Credit Union CD Rates

Delta Community Savings Account Rates

CDs vs Fixed Annuity

Get a Fixed Annuity Quote

Today's Best Guaranteed Annuity Rates

Today's Top CD Rates

3 Month CD Rates

12 Month CD Rates

2 Year CD Rates

3 Year CD Rates

4 Year CD Rates

5 Year CD Rates

Key Take-Aways

Frequently Asked Questions

Are Annuities FDIC Insured?

Can you Loose money in a fixed annuity?

Does a Fixed Annuity Have any Fees?

What is Delta Community Credit Union's Routing Number?

Delta Community CU Branch Locations in GA

Pros and Cons of Fixed Annuities

✓ Pros

✗ Cons

Compare Top MYGA Rates by Term

Types of Annuities

Rate Methodology

The Secure Act & Your IRA: What You Need to Know

Unbiased American Equity AssetShield Review

Knighthead Staysail Annuity | Up to 6.50% Simple Interest

North American Guarantee Plus 3

Calculate your annuity earnings

Read Our Top Annuity Reviews

What is a MYGA?