Delta Community Credit Union

I have been a loyal member for over 10 years and haven’t been late or missed a single payment in over ten seven years. I had a six figure job with perfect credit. Then my wife became disabled and I went three months unemployed. I was rehired by a new company. I asked for a signature loan to allow me to relocate for my new job. The credit union at first approved my loan, based on my credit, but when they found out that I hadn’t started my new job yet they disapproved it. They did this despite my new company providing them with my offer letter and all information that the credit union requested. They then changed the criteria and said they needed at least two pay stubs from the new job. In the end, it ended up causing a big inconvenience and significant expense for me. What is the point of having perfect credit, if you can’t use it when you need it. I am now employed again and making decent money. I will not entrust Delta Community Credit Union with money again due to their disloyalty.

Convenient location in the middle of business district In and out– no problems. Friendly teller and line goes quick. Very nice and low maintenance service

* This review is for the credit union — not specifically for this branch. *
Three times out of three over the last 5 months I couldn’t access my online account. Even after calling the help line, I was told I had to go into a branch to see what the issue is.
I’m done with DCCU and closing all my accounts. Oh Wait – not until I VISIT a branch first!

This Credit Union is horrible. It takes forever to get someone on the phone. Something is always wrong with their banking system.

This used to be a good credit union but no more. I can’t even get thru to them on the phone today. The system is down and I need to print documents for my accountant apt on monday (this is friday) and cannot get online. I drove to the branch and they needed to charge me for printing my statements … no customer service here. I have very little contact with them but in this instance they should have printed my documents for free as I could not at home.

Love them, but wish they worked on their website and bill pay module. Site is down a lot!

Small business owner — left a standard commercial bank for the customary reasons. The staff at this branch — both commercial and personal banking are lovely. They really try. However, there are real issues out of «corporate.» The on line system is cumbersome and frequently down. Days go by where you can’t log in to your account or execute bill pay. The Quickbooks interface hasn’t been working for days, when you call customer service, their own systems are frequently down so they can’t help you and when you do get someone, the response is often, «Yeah, we know that’s an issue. Keep trying!» KEEP TRYING!!! Even the ATM is subpar. It doesn’t accept all bills/​all checks and you end up having to go into the branch (so are obligated to their open hours.) Beware. ..

Absolutely love this place. Left one of the big name banks and never looked back. The staff is always friendly, the services offered are great, and the customer service has always been stellar!

I feel like a majority of these reviews are in regards to the company itself, and not this actual store location. As far as the company, I can’t say much about it. I haven’t been a member very long (I’m still less than 30 days in), but I CAN speak for this location which I actually frequent many times a week the past few weeks.
It’s wedged next to Publix, which can be a little misleading when using a Map application to find it. Especially considering Publix has a lot of Presto! ATM machines, which the network uses. So I originally though that this was an ATM location, and not an actual location. It seems like the parking here can get pretty tight, since they share the space with a couple of other buildings, a grocery store, and a fast food place. I’ve never actually had an issue, however. It seems like the traffic in and out of the CU is pretty timely, which is a blessing when I need to do something quickly.
I’m always greeted with a friendly smile, which is nice. There are usually only about 2 – 3 people on duty around noon-​1, at least. Times usually vary between how long I’ve spent in there. I’ve been the only one in line, and I’ve also been the 4^th of 5^th person in line before as well. They seem to address issues pretty well, and I can usually make it out within 30 minutes if I’m the 4^th or 5^th person in line.
Recently, I re-​financed with this CU from Wells Fargo (which I hate, and it sucks). I will say that took. A while. I came in with all of the paperwork I needed (for future reference, a 10 day payoff letter which you need to get mailed to you, a copy of the title which you can also get mailed to you by your previous financer, and the last two paystubs). Despite having all of this paperwork, it took me a little over 3 hours from start to finish. I waited for 40 minutes. It looked like someone came in after me by about 15 minutes, but for some reason they were served before I was. I’m not sure if this was normal, but I was verrry late from my lunch break. Though I could have left, I was of the mindset that «It will all be over soon.» Despite that, the guy I worked with (Kyle) was very congenial and charismatic and helped make the time pass more quickly as we waited for my re-​financing to get approved. And, honestly, 3.5% is CONSIDERABLY better than the 7% I had with Wells Fargo, so I am exceptionally happy.
I hope this CU and I have a long, happy relationship together because so far. I am impressed!

Horrible customer service in regards to auto loans. They are shady and lie about extended warranty.

Been a member for 10+ years and can’t explain the dissatisfaction I have had with the customer service. I have had issues with the bill pay system and the banks response was oh well that is just how it is and also having been waiting almost a month, that’s right, a month for a new debit card.

DCCU is a great bank. This particular branch always has great service, and looks pretty fancy. I’ve come on several occasions when the manager has personally greeted me.
When I got my car loan through them, it took all of about 10 minutes to walk in, get the check, and leave.
My only forewarning is that their mobile app and website suckkkk. So unorganized and hard to navigate.
Other than that, I would recommend DCCU to anyone simply for their fantastic customer service.

My CU is in California and is part of the same CU system that Delta is so I use this as my Atlanta service center. I have never had any issues with depositing checks or anything that others seem to have had. My only issue is that i used to get bank checks (aka cashiers checks) to pay rent with and they used to have free bank checks and now they are $ 3 and I think money orders are like $ 1 or $ 2 but I can go next door to Publix and get a money order for $.89 so I don’t even worry about that part and plus our complex now has online pay so zero worries.
I do have to make a copy of a check to be deposited and fax that to MY bank before my CU will update my account balance but that has nothing to do with Delta CU.
I don’t have an account directly with Delta but as a service center, i’ve had no worries!

Thank goodness for CU service centers! I was grateful the bank was open on Saturday. I was pleasantly surprised to find a completely different setup than the traditional bank. Each rep had a kiosk rather than a long counter separating the patrons from the employees. I really felt one on one with with the bank teller.
I wish I remembered the young lady’s name who helped me, but she was very friendly and we chatted like old friends. My transaction was done quickly and easily. On my way out I noticed a swanky coffee bar including my fav purchase of 2011 … a Keurig! bottoms up

This Credit union is SHADY… As a merchant I am utterly surprised that Delta Community Credit Union, will not verify funds on a large check. You would think it would be in their best interest to prevent a bad check from being passed off to a small business, but NOPE, it’s not their policy to do so.

First let me note that this review is of Delta Community Credit Unions services as a company, combined with the staff.
My previous review remains dead on, they have incredible staff that are welcoming and there to help. Kyle is a friendly bank associate that remembers us anytime we return. You cannot go wrong from a customer service and interaction experience.
Where I struggle is with the technology of Delta CU. I opted to switch to a local CU after a hiccup with my bank that prompted me to move part of my savings out of that particular branch. The big drawbacks are their website, and iPhone app. I think it is great to have an iPhone app but it was horrible. Both items are supposed to be upgraded in 2012, potentially…
Website — First, you cannot have a user id, you have to use a, what I would call, crazy long account number to login. After you login the layout looks like something a very low end company put together. The recent transactions are clunky, to say best. If you want to download your info, they only supported csv, or the connection to Quicken. Some banks charge for the Quicken connection but I don’t like Quicken and still utilize MS Money. This was a big set back for me with this bank. Online check deposite becomes available after 90 days, regardless how much you have in your account. The limit is only $ 500 which means I have to go in most the time anyways. Online Bill Pay was horrible, adding a payee took several steps, and way too much information. Allow me to enter in my information and then lookup the particular provider. This website was more trouble then it was worth, first indicator, bail on this.
Mobile App — I would call it more an app to see your account balance. If you want to have something similar, sign up for
. You may not get the ability to pay bills, which I don’t think I had on their, or could use but horrible app. Don’t forget that crazy long account number has to be entered everytime you open the application.
Support /​Inquiries — The CU told me to utilize the support through the website. It took several days to hear back, it seemed pointless option.
My bank offers bill pay, it receives the bill from whatever I have, utility, etc, and then I can set it to pay in full, how long before, a partial amount, etc.
When I look at the ratings on Unilocal,and what the one star is «Eek! Methinks not» — I have to give it one star because it’s not just I’ve seen better, i tried it and Me Thinks Not is the perfect description. If it was based solely on service it would be a 5, but at the end of the day, it was the total banking experience of Delta CU.

I just switched over to Delta Community after one too many bad experiences with my current bank. I went in to make a deposit today and their computer systems were down. Kristen assured me that if my account became overdrawn because the deposit didn’t go in on time, they’d refund the fees. Turns out I didn’t even have to worry because by the time I got back to work, my deposit was sitting in my account.
When I was shopping for a car, they gave me a really great rate on a loan. It was far better than what most other dealers were offering me and without a co-​signer. I’ll definitely be using other similar services from them because they were so easy to work with.