Delta Community Credit Union Cd Rates Review 2022

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.Varies by bank, term and investment amount.
LiquidityUsually, 10% annually or interest earned.Almost always accumulated interest.
GuaranteesBacked by Insurer & State Guaranty Associations.Backed by the FDIC.
Death BenefitMay avoid probate.Probate process required.

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Today's Best Guaranteed Annuity Rates

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

Today's Top CD Rates

3 Month CD Rates

BankRateMinimum Deposit To Open
Popular Direct4.05% APY $10,000.00
Citibank3.25% APY $500.00
America First Credit Union2.30% APY $500.00

12 Month CD Rates

BankRateMinimum Deposit To Open
First Internet Bank4.75% APY $1,000.00
Popular Direct4.75% APY $10,000.00
Alliant Credit Union4.60% APY $1,000.00

2 Year CD Rates

TermBankRateMinimum
24 MonthsRising Bank3.80% APY$1,000
24 MonthsBread Savings3.75% APY$1,500
24 MonthsAmerican Heritage Credit Union3.75% APY$500
24 MonthsMerrick Bank3.70% APY$25,000
24 MonthsSynchrony Bank3.40% APY$.01

3 Year CD Rates

BankRateMinimum Deposit To Open
Alliant Credit Union4.60% APY $1,000.00
Popular Direct4.55% APY $10,000.00
BMO Harris4.50% APY $1,000.00

4 Year CD Rates

TermBankRateMinimum
48 MonthsBread Savings4.15% APY$1,500
48 MonthsAmerican Heritage Credit Union4.00% APY$500
49 MonthsNASA Federal Credit Union3.85% APY$10,000
48 MonthsMerrick Bank3.75% APY$25,000
48 MonthsPenFed Credit Union3.50% APY$1,000

5 Year CD Rates

BankRateMinimum Deposit To Open
BMO Harris4.50% APY $1,000.00
Bread Savings4.50% APY $1,500.00
Popular Direct4.50% APY $10,000.00

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 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

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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What Our Clients Are Saying

It has been a complete pleasure to deal with Kiara on several occasions opening new annuities. She has a wonderful personality and most importantly has my best interests in mind. She makes sound and knowledgeable investments.
Chris Lehmann
I would highly recommend My Annuity Store and Kiara for your annuity investment needs. They are very helpful and knowledgeable.
Paula Ohalloran
I worked with Jason and Kiara setting up an annuity. They went over and above expectations. They got me the best deal and were very fast getting all the papers in order via 2 day ups. I will be working with them in the near future. Exellent service!
Richard Miles
Jason is very knowledgeable in his field and clearly explained all my questions and helped with an easy transition of my funds into a new annuity with a higher interest rate. Jason keeps me up to date with changes in the market and information on better products.
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I used My Annuity Store, Inc. for the first time and had a smooth and pleasant experience. Kiara Caudill was responsive, personable and quickly found me the best yield rates out in the market to meet my type of investment. Closing the deal was fast and simple as well, Kiara handled the bulk of the application process simplifying a few quick and easy signing steps on my end.
Bill Harner
I recently opened 2 annuities with Jason. Everything was explained and handled in a very professional manner. Was processed very quickly without any problems. Would highly recommend Jason for any of your annuity needs. Richard Clark
Richard Clark
Did business with My Annuity Store, Inc. for two annuities. Worked with Kiara both times. She was very informative and will keep you informed throughout the process. You will be very pleased with them.
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I had very positive end-to-end experience with My Annuity Store. They were very transparent about various options I had, and did their best to explain the rather complicated terminology in different annuity schemes. It was very satisfactory collaboration till the end.. Thsnks!
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