Applying for a loan w/ Delta Community Credit Union?
Whether you're applying for an auto, mortgage, or personal loan, Delta Community Credit Union has extremely competitive rates. The problem? You need great credit to get those loan terms (if you want your best rates). Your first step to determine if you're eligible for top-tier rates is to pull your Credit Report.
You can review your Credit Report and find every inaccurate item (and can potentially get it removed), or contact a Credit Repair company, like Credit Glory, to walk you through that entire process.
You can schedule a free consultation with Credit Glory, or call one of their Credit Specialists, here (833) 412-6805 ➔
Delta Community Credit Union vs. Major Banks
The short answer is... it completely depends (and your mileage may vary!). Not all Credit Unions are good. Not all banks are bad. Credit Unions, like Delta Community Credit Union, are great for high CD rates & low interest loans / credit cards. The trade off? They're not as good because their resources, generally, are more limited for website services, apps, etc.
Credit Unions, as member owned organizations, aren't trying to make a profit. It's that simple. Of course, like any other not-for-profit, some are run well. Others? Not so much. The ultimate goal? Benefiting their members and maximizing their experience. Delta Community Credit Union is a good example of a relatively well-run Credit Union. Their fees are minimal, their rates for all loan types are good, too.
Keep in mind, you'll have to apply for a membership to get accepted. This means they'll most-likely review your Credit Report & determine if you're eligible. We recommend speaking with a Credit Repair company, like Credit Glory, to understand how you can potentially improve (and fix) your Credit Score (before you apply for your Credit Union membership).
Banks, on the other hand, are in-it to make a profit. Generally, this means higher fees (on average). Banks also generally don't focus on the community the same way Credit Unions do. Credit Unions have memberships, while banks are generally open to anyone, anywhere. The primary pros of banks are generally better business services that are tailored to individual situations in a more comprehensive way. Also, if you plan to travel internationally, you save a lot of headache with a major bank account (and credit card).
Delta Community Credit Union Main Office
Delta Community Credit UnionHistory & Information
Loan Rates
Effective Date: July 29, 2022 - Does not reflect current special offers.
Vehicle Rates: Cars, Trucks, SUVs, Motorcycles, Motor Homes
| as low as 3.50%* | up to 84 months | |
| Used - 2020 - and Older | as low as 4.50%* | terms vary based on year |
| New - 2022 - 2021 | as low as 6.50%* | up to 84 months |
| Used - 2020 - 2007 | as low as 6.50%* | up to 60 months |
| Unsecured | as low as 9.50%* | $5,000 maximum up to 36 month term |
| Visa Credit Card | 14.25% |
| Overdraft line of Credit | 15.00% |
| Mortgage | |
| Home Equity | |
| Share Savings | 3.00%* above current savings product rate |
| Certificate of deposit | 2.75%* above current certificate deposit rate |
*annual percentage rate. rates are subject to change. rates and terms are based on credit experience. all loans subject to members qualification. some restrictions may apply.
Deposit Rates
Effective: September 26, 2022
| Shares | 0.01% | 0.01% | $25.00 to open $50.00 to earn dividend |
| Youth Savings | 0.05% | 0.05% | $5.00 to open dividends earned up to $1500.00 |
| Checking $1000 average balance must be maintained to earn dividend | 0.00% | 0.00% | $100 minimum to open |
| Money Market Checking | 0.00% | 0.00% | $5,000 minimum to open |
| Money Market Savings | 0.01% 0.05% 0.10% | 0.01% 0.05% 0.10% | $2,500 minimum to open $25,000- $74,999 $75,000 plus |
| 3 Month (youth members only) | 1.004% | 1.00% | $250.00 |
| 6 Month | 1.407% | 1.40% | $2,500.00 |
| 1 Year | 1.660% | 1.65% | $2,500.00 |
| 18 Month | 1.762% | 1.75% | $2,500.00 |
| 2 Year | 1.863% | 1.85% | $2,500.00 |
| 3 Year | 2.066% | 2.05% | $2,500.00 |
| 5 Year | 2.524% | 2.50% | $2,500.00 |
| $1,000 average balance must be maintained to earn dividend | 0.05% | 0.05% | $100 minimum to open |
| Ira Savings | 0.10% | 0.10% | $25.00 |
| 3 Year Share Certificate | 2.066% | 2.05% | $2,500.00 |
| 5 Year Share Certificate | 2.524% | 2.50% | $2,500.00 |
rates are subject to change
early withdrawal penalties may apply
Fee Schedule
Effective 08/01/2022
| Par value of one share deposit | $25.00 |
| One time membership fee | $5.00 |
| Atm Card - annual fee | $15.00 |
| Atm Card replacement | $12.00 |
| Atm Card pin reissue | $5.00 |
| Atm withdrawals (over 6 per month) | $2.00/ea. |
| Statement fee per cycle (mailed) | $5.00 |
| Visa Debit Card - annual fee | $20.00 |
| Visa Debit Card replacement | $10.00 |
| Visa Debit Card pin reissue | $5.00 |
| ATM withdrawals (over 6 per month) | $2.00/ea. |
| Checks | varies |
| NSF | $40.00 |
| Stop payment | $35.00 |
| Image Check Copy | $5.00 |
| Statement fee per cycle (mailed) | $5.00 |
| Checks | varies |
| NSF | $40.00 |
| Stop Payment | $35.00 |
| Image Check Copy | $3.00 |
| Fee for exceeding authorized number of transactions per statement cycle | $10.00/ea. |
| Set up fee | $25.00 |
| Monthly fee | $2.00 |
| Close account fee | $25.00 |
| Visa Debit card - annual fee | $15.00 |
| Visa Debit card replacement | $10.00 |
| Visa Debit card pin reissue | $5.00 |
| Checks | varies |
| NSF | $35.00 |
| Stop Payment | $35.00 |
| Image Check Copy | $5.00 |
| Late fee - Consumer Loan | $25.00 |
| Late fee - Mortgage Loan | $50.00 |
| Loan Application fee | $35.00 |
| Mortgage Payoff Request | $25.00 |
| Visa Credit Card application fee | $35.00 |
| Visa Credit Card replacement fee | $10.00 |
| ACH Origination set-up | $10.00 |
| Account: Early closure within 90 days | $12.50 |
| Account: Re-open within 90 days | $12.50 |
| Account: Inactive - annual | $40.00 |
| Account Reconciliation - per hour | $35.00 |
| Account Research - per hour | $35.00 |
| Bag - locking | $25.00 |
| Bag - zippered | $5.00 |
| Bag - locking - key replacement | $10.00 |
| Bill pay - rush payment fee | $4.95 - $19.95 based on delivery option |
| Bill pay - gift pay fee | $2.99 |
| Bill pay - donations fee | $1.99 |
| Fax Transmission - per page | $1.00 |
| Copies Per Page | .25 |
| Garnishment/levy | $75.00 |
| Loose coin | 5% face |
| Official Credit Union Check - under $1,000 | $2.00 |
| Official Cedit Union Check - over $1,000 | $4.00 |
| Notary | n/c |
| Online banking/bill pay/estatements | n/c |
| Returned Deposit - per item | $10.00 |
| Remote Deposit Capture – per check* | $1.00 |
| Returned Deposit – Per Item | $10.00 |
| Returned Mail | $7.00 |
| Statement print out | $5.00 |
| Verification of deposit - loan account | $10.00 |
| Wire transfer - domestic - in/out | $35.00 |
| Wire transfer - international - out | $50.00 |
| *RDC requires 90 days of member history for eligibility |