Delta Community Credit Union

• Features and Benefits
• Low Rates
• No Annual Fee
• Online Banking Services

Features and Benefits

The Visa credit card offered through Delta Community Credit Union reward points on eligible purchases that can be redeemed for cash, merchandise, travel perks, and gift cards. Customers are awarded one to three points for every dollar spent on qualified purchases. 

New members can earn up to 2,500 bonus points by making their first purchase and enrolling in the company's Rewards Points program, which triples points earnings in various revolving categories. The following additional benefits are also available through the Delta Community Credit Union Visa Platinum Rewards Credit Card:

• Visa Checkout
• Zero liability protection
• Verified by Visa
• Warranty manager
• Roadside dispatch
• Lost/stolen card replacement
• Travel and emergency assistance

Low Rates

Although the Delta Community Credit Union Visa Platinum Rewards Credit Card does not offer purchase intro APR or transfer intro APR, the card does offer a competitively low variable interest rate between 9.75 percent and 13.75 percent. Compared to other bank and credit union lenders offering credit cards, this rate range is significantly low, allowing consumers to save more money on interest.

It is important to note that Delta Community Credit Union requires an excellent credit score to be approved for the Visa Platinum Rewards card, allowing the company to offer such low rates.

No Annual Fee

The Delta Community Credit Union Visa Platinum Rewards Credit Card does not have an annual fee.

In addition, there are no minimum interest charges or over-the-credit-limit fees, and cardholders can receive a cash rebate up to 1.5 percent if they make a minimum $500 balance transfer within the first three months of opening a new account.

Online Banking Services

Delta Community offers both online and mobile banking services for customers. Customers can manage multiple banking accounts with one personally-customized secure login password, and view account statements, transfer funds, and set up automatic bill payments. 

Customers can also set up notifications and alerts for all transaction activity and when bills are due. Customers can track budgeting activity with an interactive personal financial management tool and pay all household bills with the online bill pay system.

• Additional APRs
• Additional fees
• Service limitations

Additional APRs

Although Delta Credit Community Credit Union offers low purchase interest rates, there are additional annual percentage rates (APRs) to be aware of.

Delta Community Credit Union has a balance transfer APR and cash advance APR of 9.75 to 13.75 percent, and a penalty APR of 14.75 to 18.75 percent. These rates are based entirely on your credit history and current creditworthiness.

It is important to know that the penalty APR may be applied to your entire card balance if you make a late payment, and it could remain until you make at least six minimum payments by your payment due date shown in your monthly statement.

Additional Fees

The financial services company charges certain fees for additional services that may be required. Delta Community Credit Union charges a cash advance fee of $6, as well as a foreign transaction fee of 1 percent of each transaction. There is also a late payment fee and returned payment fee up to $25*. 

Additional charges to these include $3 for statement copies and $6 for document copies. Rush fees are $15 during the week and $30 on Saturday. The company also charges a $15 stop payment fee and $3 for convenience checks. There may be other undisclosed fees as well; customers should read all contract agreements carefully before signing.

*All credit card costs and fees are current as of September 2020.

Service Limitations

Delta Community Credit Union only serves customers near its location in Georgia. Consumers outside this area will not be approved. Customers must enroll in the company's banking service in order to receive credit card approval. An adult joint owner is required on all accounts for individuals under 18 years old.

Customers will need to acquire a large number of points in order to get rewards back. For example, a cardholder will have to acquire 3,000 points just to get $25 in cash. Points can take over 60 days to post to a cardholder's account. Unused points will expire after three years of the date which they were earned. Customers are only allowed to acquire 3,000 bonus points per quarter on top of the regular earned points. Additional restrictions and other requirements may apply for reward redemption.