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.
Table of Contents
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 | Insurer | Company Details | Annuity | Rate | AM Best | Application |
|---|---|---|---|---|---|---|
| 2 Years | 
| Oceanview | Harbourview | 4.90% | A- | Apply |
| 3 Years | 
| Farmers Life | Safeguard Plus | 5.50% | B++ | Apply |
| 4 Years | 
| AMERICO | Platinum Assure | 5.20% | A | Apply |
| 5 Years | 
| Ibexis | MYGA Plus | 5.90% Simple | A- | Apply |
| 6 Years | 
| EquiTrust | Certainty Select | 5.65% | B++ | Apply |
| 7 Years |
| AMERICO | Platinum Assure | 5.55% | A | Apply |
| 8 Years |
| EquiTrust | Certainty Select | 5.70% | B++ | Apply |
| 9 Years | 
| American National | Palladium MYG | 5.10% | A | Apply |
| 10 Years |
| EquiTrust | Certainty Select | 6.00% | B++ | Apply |
Today's Top CD Rates
3 Month CD Rates
| Bank | Rate | Term | Minimum |
|---|---|---|---|
| TotalDirect Bank | 5.16% APY | 3 Months | $25,000.00 |
| Ponce Bank N.A. | 5.15% APY | 3 Months | $50,000.00 |
| Brilliant Bank | 5.10% APY | 3 Months | $1,000.00 |
| Alliant Credit Union | 4.50% APY | 3 Months | $1,000.00 |
| Popular Direct | 4.50% APY | 3 Months | $10,000.00 |
12 Month CD Rates
| Bank | Rate | Term | Minimum |
|---|---|---|---|
| Evergreen Bank Group | 5.50% APY | 13 Months | 10000 |
| NexBank | 5.40% APY | 12 Months | 25000 |
| BrioDirect | 5.35% APY | 12 Months | 500 |
| Bread Savings | 5.25% APY | 12 Months | 1000 |
| Barclays | 4.80% APY | 12 Months | 0 |
2 Year CD Rates
| Bank | Rate | Term | Minimum |
|---|---|---|---|
| U.S. Senate Federal Credit Union | 5.28% APY | 24 Months | 1000 |
| Summit Credit Union | 5.25% APY | 22 Months | 5000 |
| Idabel National Bank | 5.05% APY | 24 Months | 1000 |
| Bread Savings | 5.00% APY | 24 Months | 1500 |
| PenFed Credit Union | 4.45% APY | 24 Months | 1000 |
3 Year CD Rates
| Bank | Rate | Term | Minimum |
|---|---|---|---|
| U.S. Senate Federal Credit Union | 5.23% APY | 36 Months | 1000 |
| Quorum Federal Credit Union | 4.85% APY | 36 Months | 1000 |
| Popular Direct | 4.55% APY | 36 Months | 10000 |
| Bread Savings | 4.50% APY | 36 Months | 1500 |
| Barclays | 4.30% APY | 36 Months | 0 |
4 Year CD Rates
| Best 4-Year CD Rates | Rate | Term | Minimum |
|---|---|---|---|
| NASA Federal Credit Union | 4.85% APY | 49 Months | 10000 |
| GTE Financial | 4.85% APY | 48 Months | 500 |
| First National Bank of America | 4.50% APY | 48 Months | 1000 |
| Bread Savings | 4.35% APY | 48 Months | 1500 |
5 Year CD Rates
| Bank | Rate | Term | Minimum |
|---|---|---|---|
| Lafayette Federal Credit Union | 4.68% APY | 60 Months | 500 |
| Department of Commerce Federal Credit Union | 4.67% APY | 60-84 Months | 25000 |
| GTE Financial | 4.54% APY | 60 Months | 500 |
| Popular Direct | 4.53% APY | 60 Months | 10000 |
| Bread Savings | 4.25% APY | 60 Months | 1500 |
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
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.
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.
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
