Delta Community Credit Union is a federally-insured, not-for-profit cooperative founded in 1940 in Atlanta, Georgia. Delta Community is an equal housing lender and is insured by the National Credit Union Association. The financial services company serves approximately 400,000 members and has more than $5 billion in total assets. Along with several other financial products and services, the company offers a Visa Platinum Rewards credit cards for consumers and a Visa Young Adult Card for students and first time credit users. Delta Community Bank also provides online and mobile banking services, along with 24/7 customer service for all its members.

Rank Chart
APR
Reward Options
Our Score
#1
6.99 - 10.5%
Yes
4.1
#2
0 - 24.99%
Yes
4.0
#3
0 - 23.24%
Yes
3.0
#33
Delta-Community
10.25 - 14.25%
Yes
1.8

The Good

  • Features and benefits
  • Limited interest fees
  • Online banking services

Features and Benefits

The Visa credit cards offered through Delta Community reward frequent everyday purchases with points that can be redeemed for cash, merchandise, travel perks, and gift cards. Customers are awarded one point for every dollar spent on qualified purchases. New members can earn up to 3,000 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 benefits are also available through Visa:

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

Limited Interest Fees

The financial services company does not charge annual fees or balance transfer fees. Delta Community will even reward customers with 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. Foreign transaction fees are less than 1 percent. Late and returned payment penalties are assessed at $25. Cash advance transactions are $3 each. There are no minimum interest charges or over-the-credit-limit fees.

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. Cardholders can view account statements, transfer funds, and set up automatic bill payments. Customers can receive notifications when bills are due and alerts on all transaction activity. Customers can track budgeting activity with an interactive personal financial management tool and pay all household bills with the online bill pay system.

The Bad

  • APRs
  • Additional fees
  • Service limitations

APRs

APRs for purchases, cash advances, and balance transfers range between 10.25 and 14.25 percent, depending on overall credit history. Penalty APRs range from 15.25 to 19.25 percent and are immediately applied when the cardholder makes a late payment. While these rates are not particularly high for industry standards, they are more expensive than some other marketplace offerings for customers with excellent credit.

Additional Fees

The financial services company charges certain fees for additional services that may be required. For example, the company charges $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.

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.

The Bottom Line

Delta Community Credit Union offers its customers Visa credit cards that reward frequent everyday purchases with points that can be redeemed for cash and other items. The cards feature low interest fees and decent APRs. However, consumers with excellent credit histories can most likely find better deals with some of the other industry competitors.The company also offers various other financial products and services with 24/7 customer service. Online and mobile banking is provided for members to help them manage their finances at their convenience.

However, Delta Community Credit Union only serves customers in Georgia and certain eligibility requirements must be met in order to open an account and be approved for credit. There are also limitations on reward redemptions. The company does charge additional service fees for additional administrative services.

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