The highest cd rates are at the Delta Community Credit Union. They have some of the highest cd rates in the nation, with a minimum opening deposit of just $500. is the source of this picture.

Delta Community Credit Union was established in 1940 as a credit union for Delta Air Lines employees. Many Delta workers are still members today, but membership has been extended to include select members of the general public and Georgia citizens. Delta Community Credit Union has approximately 430,000 members currently.

This credit union provides reasonable rates on a variety of deposit accounts, as well as a few extra perks that you won’t find at other banks and credit unions, such as ATM cards for MMAs and the ability to add teenagers as joint owners.

Because this is a credit union, you must join in order to establish an account and take advantage of these rates. If you reside in a qualified Georgia community, work for a partner company (e.g., UPS, PetSmart, Enterprise, Delta Air Lines, etc.), belong to a partner organization, or are connected to someone who is a member of Delta Community, you are eligible to join. The full list of membership qualifying criteria may be found here. You have the option of managing your accounts online via the online banking site, in person at a Georgia branch, or a combination of the two.

Continue reading to learn more about Delta Community Credit Union’s deposit options.

This article will teach you how to:

Standard CDs are available from this credit union, with terms ranging from six to sixty months.

Length of Term Rates of Interest APY
6 months 0.35% 0.35%
12 months 0.54% 0.55%
24 months 0.64% 0.65%
36 months 0.79% 0.80%
60 months 0.99% 1.00%

According to recent FDIC statistics, the current national average for 12 and 60 month CDs is 0.14 percent and 0.27 percent APY, respectively.

Delta Community Credit Union outperforms that as well as many large conventional banks, although these rates aren’t as good as those offered by many digital banks.

Monthly interest is compounded and credited to the original certificate or another checking or savings account (even an MMA). When you start the account, or at any point afterwards, you may designate where you want your profits deposited by contacting the credit union.

The flexibility of this certificate of deposit account is greater than that of most others. Delta Community Credit Union allows customers to add money to their CD accounts without penalty after they are opened, which is not the case with certificate accounts. Users may add joint owners and beneficiaries to their accounts at any time after they’ve been created. Minors are allowed to become joint owners.

To earn interest, you must deposit at least $1,000 into this account when it is opened and maintain a balance of $1,000 or more.

The National Credit Union Administration (NCUA) insures all CDs. Fixed-rate, specialized, bump-up, and other non-traditional CDs are not available at Delta Community.

Penalties for Early Withdrawal

Since 2017, Delta Community’s early withdrawal policy has changed, and CDs opened/renewed before May 2017 have different early withdrawal penalties than CDs opened afterwards.

The following are the restrictions for CDs purchased or renewed prior to May 1, 2017:

  • Early withdrawals from six-month contracts are subject to a penalty charge equivalent to 31 days’ interest.
  • Early withdrawals from 12- or 24-month contracts are subject to a penalty charge equivalent to 90 days’ interest.
  • A penalty charge equivalent to 180 days’ interest applies to early withdrawals from periods of 36 or 60 months.

The following are the regulations for CDs that were opened or renewed after May 1st, 2017:

  • Withdrawals from 6-month periods are subject to a penalty charge equivalent to 60 days’ interest.
  • Withdrawals from 12-month periods are subject to a penalty charge equivalent to 90 days’ interest.
  • A penalty charge equivalent to 180 days’ interest applies to early withdrawals from periods of 24 or 36 months.
  • Withdrawals from 60-month periods are subject to a penalty charge equivalent to 270 days’ interest.

The present fees are still lower than the national average.

There is a grace period.

When a certificate account matures, Delta Community Credit Union gives you a normal 10-day grace period to withdraw money without penalty. There are no partial withdrawals allowed. The grace period begins the day your CD reaches its maturity date. When your CD is due to mature, you will be informed 30 days in advance.

Between the moment you open the account and the start of the grace period, you may select whether you want your account to automatically renew or have the money transferred into another account.

Delta Community offers a variety of savings accounts, including Personal Savings, Youth Savings, IRA Savings, Education Savings, and Health Savings. 

Interest is paid on the Personal Savings account at a rate of 0.08 percent. There are no balancing levels at the moment, so that’s as good as it gets. The national average rate for a savings account is 0.06 percent, so this interest rate is just marginally higher. It’s not difficult to locate a savings account that pays more than Delta Community does, but you won’t need a big amount to receive interest.

As long as you have a positive balance in your account, you may establish this account with as little as $5 and receive the 0.08 percent interest rate.

A minor’s Personal Savings account may also be established by an adult on their behalf. By birth, marriage, or adoption, the minor must be connected to a family member.

You may establish one or more Additional Financial accounts once you’ve opened a Personal Savings account for various savings reasons. There are no minimum starting deposit restrictions for these accounts, and they pay the same interest rate as your Personal Savings account.

There are no monthly service fees or low-balance fees, however there are a few additional charges. If you don’t make any transactions into or out of this account for six months, you’ll be charged a $5 monthly inactivity fee. You will be charged $15 for each returned item and $35 for each non-sufficient funds presentation.

Moving on to the Youth Savings account, which is accessible to youngsters aged 0 to 12 years old. The interest rate is the same as the Personal Savings account. “Sandy Savers” refers to children under the age of six, while “Cool Cash Kids” refers to children aged seven to twelve. A welcome gift is sent to all new users. 

When you create this account, you must make a $5 membership deposit, which you may do at any Delta Community Credit Union branch. A savings account for a kid, niece, grandchild, cousin, niece, or nephew may be opened by any credit union member.

Education Savings Accounts (ESAs) and Health Savings Accounts (HSA

At this credit union, an HSA gets a rate of 0.15 percent to 0.35 percent.

Balance Rates of Interest APY
From $0 to $9,999.99 0.15% 0.15%
ranging from $10,000 to $24,999.99 0.22% 0.22%
ranging from $25,000 to $49,999.99 0.27% 0.27%
From $50,000 to $99,999.99 0.30% 0.30%
$100,000+ 0.35% 0.35%

An HSA does not need a minimum initial investment or monthly amount.

Members with family earnings of less than $110,000 may open a Coverdell Education Savings account at this credit union. On balances above $100,000, you may earn up to 0.35 percent interest.

Adult and adolescent members of Delta Community Credit Union may open a personal checking account (who are eligible to become joint account owners). Although this is an interest-bearing account, the rate is so low that it may just as well be a conventional non-interest-bearing account.

Balance Rates of Interest APY
From $0.01 to $4,999.99 0.00% 0.00%
ranging from $5,000 to $24,999.99 0.01% 0.01%
$25,000+ 0.02% 0.02%

The national average for an interest checking account is only 0.03 percent APY, so these rates are actually lower than average (which isn’t something we see very frequently) and well below the finest checking accounts available.

To minimize costs, there is no minimum starting deposit or balance requirement. Only balances of $5,000 or more are eligible for interest. 

Interest is compounded and deposited to your bank account on a monthly basis. 

You may sign up for Courtesy Pay (fees apply) to avoid overdrafts on purchases up to $500. This is an optional service.

This account includes a Visa debit card with the ability to earn up to one point for every $3 spent when you sign for qualifying transactions rather than using your PIN. To use this feature, you must first sign up for Reward Points.

Teenagers who are 16 or 17 years old may establish this account as a joint account owner with a credit union member. They will be able to use the Visa Personal Debit Card’s features and advantages as well. 


Although this is a free account with no maintenance or service costs, you should avoid being charged for the following:

  • Overdraft from a checking account: $3
  • Transferring funds from a credit account to cover an overdraft: $5
  • $35 for insufficient money
  • $35 in courtesy pay
  • $15 for a returned deposit in the United States.

Delta may impose an inactivity fee if your total account balance across all deposit and borrowing accounts falls below $60 and you have not made any transactions into or out of your account in the last six months.

With $1,000, you may establish a money market account at Delta Community Credit Union.

Balance Rates of Interest APY
From $1,000 to $9,999.99 0.15% 0.15%
ranging from $10,000 to $24,999.99 0.22% 0.22%
ranging from $25,000 to $49,999.99 0.27% 0.27%
From $50,000 to $99,999.99 0.30% 0.30%
$100,000+ 0.35% 0.35%

At the moment, the national average interest for a money market account is 0.08 percent. These prices are reasonable, but they are not the best available right now. You may simply locate an account that pays up to 0.55 percent. Because these accounts need a larger amount to generate interest than the norm, you should browse around before deciding on this one.

Interest is accumulated and credited to the MMA on a monthly basis. You may tell a credit union representative if you want it paid somewhere else.

To earn interest, you must have a $1,000 balance in your account. Delta does not impose service or maintenance fees and does not demand a minimum initial deposit.

This money market account includes a complimentary ATM card that can only be used for ATM withdrawals and not for POS transactions. This account allows you to make up to 10 transactions each month. Checks may be written from this account, but they are not free.

A company money market account is also accessible. This account allows you to make up to 25 transactions each statement period, excluding deposits.

Balance Rates of Interest APY
From $0.01 to $24,999.99 0.18% 0.18%
ranging from $25,000 to $99,999.99 0.23% 0.23%
$100,000+ 0.28% 0.28%

Interest is compounded and credited monthly on any positive amount in a business MMA.

The National Credit Union Administration (NCUA) insures all Delta money market accounts up to $250,000.

While Delta Community Credit Union is a good option for banking, it isn’t the best option for earning interest. Delta Community Credit Union has a few items that are worth joining, but we don’t suggest most of their bank accounts. The majority of these products have large minimum balances to earn interest, and the rates aren’t worth it.

If you’re searching for a full-service credit union, avoid the low-interest personal checking account and probably the savings account as well, but explore the certificate accounts, which provide competitive rates.

The navy federal credit union cd rates is a place to find the best CD rates. The site offers up to 1.0% APY on certificates of deposit.

Frequently Asked Questions

Will CD rates go up in 2021?

Yes, the average CD rate for 2021 is expected to be $0.0027

What credit union offers the highest CD rates?

The best CD rates are currently being offered by the National Bank of Detroit.

What is the average APY of a CD?

The average APY of a CD is 0.02%.

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