The current cd rates with the Delta Community Credit Union remains to be very competitive. The best cd rates give 2.50% APY for a 2-year CD and 2.35% APY for a 12-month money in the bank deal. These certificates of deposit are also available as IRAs. The bank ask for an initial deposit of at least $1,000 upon opening an account.

These top cd rates are listed on the banks website as of 10 August and may change any time without notice. It will be wise to call the bank to ask for an update before signing up for anything. Usually the bank updates the rates table every first week of the month.

Membership with the GettingAhead Association is your key to joining the Delta Community Credit Union. The group collects a $5 membership fee. People who reside in some counties of Georgia are qualified to join. Membership can also be through select employee groups and via family. The credit union also requires a $5 deposit into a share savings account.

We receive feedback from some consumers that the process was very swift when they applied through one of the branches of the credit union. They have offices in Salt Lake, Utah; Southlake, Texas; and Florence, Kentucky,

The Delta Credit Union gets a 5-star strong rating for soundness and safety from BauerFinancial and 3 stars from bankrate.com. These ratings were based on their March 2009 data.

The credit union has a declared asset of around $3.2 billion. They have a membership base of around 185,702. Charter number 66357 of the NCUA federally covers the deposits the union holds.