Delta Community Credit Union Rates

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Delta Community Credit Union: Savings, Checking and CD Rates

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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 BalanceAPY
$0.01 to $4,999.990.00%
$5,000.00 to $24,999.990.01%
$25,000.00+0.02%

Delta Community Credit Union CD Rates

TermMinimum DepositAPY
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

TypeMinimum BalanceAPY
Regular Savings$0.010.08%

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.

 FIXED ANNUITYCD
Issued ByInsurance CompaniesBanks
Investment Amount$2,000 - $1,000,000Essentially Any Amount
Investment Term2 years - 10 years3 months - 5 years
Interest Rates (APY)Varies by product but usually higher than CDs.Varies by bank, term and investment amount.
LiquidityUsually, 10% annually or interest earned.Almost always accumulated interest.
GuaranteesBacked by Insurance Company & State Guaranty Associations.Backed by the FDIC.
Death BenefitMay 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 InsurerAnnuityRatingRateApply
2 Years Oceeanview logo OceanviewHarbourview 2A-2.85%
3 Years Sagicor life logo SagicorMilestone 3A-3.50%
4 Years Sagicor life logo SagicorMilestone 4A-3.70%
5 Years Security sentinel life logo Sentinel SecurityPersonal ChoiceB++4.05%
6 Years Oceeanview logo OceanviewHarbourview 6A-4.30%
7 Years Security sentinel life logo Sentinel SecurityPersonal ChoiceB++4.10%
8 Years Oxford life logo Oxford LifeMulti-Select A3.80%
9 Years Oxford life logo Oxford LifeMulti-Select A3.65%
10 Years Atlantic coast life logo Atlantic Coast LifeSafe HavenB++4.15%

Today's Top CD Rates

3 Month CD Rates

Best 3-Month CD RatesRateTermMinimum
Spectrum Credit Union 0.50% APY3 Months$500.00
Navy Federal Credit Union0.40% APY3 Months$1,000.00
Chevron Federal Credit Union0.50% APY3 Months$500.00
Luana Savings Bank0.55% APY3 Months$1,000.00

12 Month CD Rates

Best 12 Month CD RatesRateMinimum
Live Oak 1.75% APY$2,500.00
Limelight Bank1.25% APY$1,000.00
Lafayette Federal Credit Union0.80% APY$5,000.00
CommunityWide FCU0.75% APY$1,000.00

2 Year CD Rates

Best 2-Year CD RatesRateTermMinimum
Connexus Credit Union 2.86% APY24 Months$5,000
Oceanview Harbourview Annuity2.85% APY24 Months$20,000
Popular Direct2.30% APY 24 Months$10,000
BMO Harris2.25% APY24 Months$1,000
PenFed Credit Union1.25% APY24 Months$1,000

3 Year CD Rates

Best 3-Year CD RatesRateTermMinimum
Sagicore Milestone 33.50% APY36 Months$100,000
Connexus Credit Union 3.01% APY36 Months$5,000
My Banking Direct1.40% APY36 Months$500
Lafayette Federal Credit Union1.01% APY36 Months500

4 Year CD Rates

Best 4-Year CD RatesRateTermMinimum
Sagicor3.70% APY48 Months$100,000
Connexus Connexus Credit Union Credit Union 3.11% APY48 Months$5,000
NASA Federal Credit Union1.70% APY48 Months$500
Teachers Federal Credit Union1.30% APY48 Months$1000

5 Year CD Rates

Best 5-Year CD RatesRateTermMinimum
Milestone 53.85% APY60 Months$100,000
Connexus Credit Union3.21% APY60 Months$5,000
BMO Harris2.80% APY60 Months$1,000
Teachers Federal Credit Union1.65% APY60 Months$1000

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


While not FDIC 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

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.

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

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

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