The Delta Community Credit Union maintains their top cd rates competitive in a very tough market. The rates have fallen over the past few months but are still good money in the bank deals starting with their 12-month program at 2.85% APY.

Other certificates of deposit are offered at highest interest rates including their 2-year deal at 3.05% APY, 3-year CD at 3.15% APY, and 60-month scheme at 3.50% APY.

These best CD rates can be enjoyed for a minimum deposit of $1000.

The Delta Community Credit Union also imposes a mild penalty for early withdrawals at 31 day earnings for CD that has a maturity of 1 year or less, and 3 months of interests for certificates that have maturities of more than 12 months.

Members of the Getting Ahead Association are eligible to sign up for membership with the credit union. The association appears to welcome individuals from any state and only collects a $5 membership fee.

Residents of some Georgia counties in the metro of Atlanta may automatically qualify to join the credit union. There are also select employee groups and membership via family.

The membership with Delta Community requires a $5 deposit into the savings account.

The union encourages people to visit their offices so their membership applications can be processed faster. Delta Community Credit Union has branches spread across the Metro of Atlanta and also has offices in Cincinnati, Kentucky; Soutlake, Texas; and Salt Lake City, Utah.

The union has positive feedbacks from the BauerFinancial and bankrate.com which both gave it 5 stars based on their September 2008 data.

Delta Community Credit Union is covered by the NCUA under their charter # 66357.