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Delta Community Credit Union Personal Loans Review 2024

When it comes to personal loans, credit unions offer a unique blend of features tailored to their members. This article unpacks the specifics of Delta Community Credit Union personal loans. From competitive interest rates, diverse loan amounts to member prerequisites, we offer an unbiased perspective to help you understand and navigate the landscape of credit union loans.
Offers: 2
Best Personal Loan Today 27.02.2024*
Personal Loans
Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
2000.00 – 100000.00 $

Effective interest rate on the product

6.34 – 35.89 %

Loan term for the financial product

2 months – 72 months
Submit One Loan Application Online!
Submit One Loan Application Online!

Use our quick loan matching system with a free credit check!

Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™

Effective interest rate on the product

8.50 – 17.75 %

Loan term for the financial product

1 years – 5 years
The application process was a breeze, and I received a response within minutes. This straightforward and prompt procedure proved to be a great help to me during a crucial time of need.
JG Wentworth
The assistance I received was exceptional. My representative handled my case with care and provided all the necessary information...
OneMain Financial
The loan application process was straightforward, and the representative I interacted with displayed patience, provided informative answers, and was quite pleasant throughout...
My Funding Choices
The process was swift and straightforward, which was particularly helpful during a time when, despite my reluctance to seek assistance, I genuinely needed help.
Plain Green Loans
The interest rate is shockingly high, and it feels like taking advantage of individuals facing financial challenges when unexpected expenses arise...
Advance America
I have never encountered any issues with this company. They consistently deliver funds on time, and the repayment process is straightforward...

What are Delta Community Credit Union Loans?

Delta Community Credit Union offers personal loans that provide members with the financial support they need for various purposes. These loans are designed to cater to individual needs, whether it's consolidating debt, covering unexpected expenses, financing home improvements, or pursuing personal endeavors. Delta Community Credit Union's personal loans typically come with competitive interest rates, flexible repayment terms, and a streamlined application process. Members can borrow a specific amount of money and repay it over a set period, making it a convenient option for achieving short-term financial goals without straining one's budget. With a focus on member satisfaction and financial well-being, Delta Community Credit Union aims to assist its members in realizing their aspirations through its personal loan offerings.


  1. Fixed Rate, Term, and Monthly Payment. You'll have a fixed interest rate, term, and monthly payment, providing predictability and stability in managing your loan.

  2. No Annual Fee. Personal loans from Delta Community Credit Union benefit from no annual fees, helping you save on additional costs.

  3. Competitive Interest Rates. The credit union offers competitive interest rates, ensuring you get a favorable rate for your personal loan.

  4. No Collateral Needed (Based on creditworthiness). Depending on your creditworthiness, you may not be required to provide collateral, making the application process more accessible and convenient.

  5. Variety of Payment Options. Delta Community Credit Union provides a range of payment options, allowing you to choose the one that best fits your financial situation.

  6. Fast and Easy Approval Process. The credit union offers a fast and straightforward approval process, enabling you to access the funds you need quickly.

  7. Interest Rate Range. Interest rates for personal loans by Delta Community Credit Union can vary from 8.50% to 17.75%, offering flexibility to suit your financial preferences.

  8. Loan Term Range. You can choose loan terms ranging from 12 to 60 months, giving you the flexibility to select a repayment period that aligns with your financial goals.

Delta Community Credit Union Personal Loan Options

Personal Loan

A versatile option that can be used for various purposes, such as debt consolidation, emergencies, or any life event. This loan provides flexibility in how you can use the funds to address your specific financial goals.

Holiday Loans

These are fixed-rate personal loans designed specifically for the holiday season and are available during the months of November and December. Holiday Loans can help you cover the extra expenses associated with holiday shopping, travel, and festivities, allowing you to enjoy the season without worrying about your budget.

Vacation Loans

For those dreaming of a well-deserved vacation, Delta Community Credit Union offers low, fixed-rate Vacation Loans. These loans are designed to help you turn your travel dreams into a reality by providing the necessary funds to make your vacation plans come to life. Whether you're planning a getaway or an adventure, the Vacation Loan can assist you in financing your dream vacation.

Pros and Cons


Competitive Interest Rate. Delta Community Credit Union offers competitive interest rates on their personal loans, helping borrowers save on interest costs.

Online Calculator. The credit union provides an online calculator on their website, making it easy for potential borrowers to estimate their loan terms and monthly payments before applying.

Quick Funding. Funds from personal loans are deposited into your Checking Account the next day after approval, providing you with swift access to the funds you need.

No Annual Fee. Delta Community Credit Union does not charge an annual fee for their personal loans, reducing the overall cost of borrowing.

Variety of Payment Options. The credit union offers a range of payment options, allowing borrowers to choose a repayment method that aligns with their financial preferences.


Limited Geographic Availability. Personal loans from Delta Community Credit Union are primarily available in Georgia. This limited geographic availability may restrict access for potential borrowers outside these areas.

Fee for Late Payments and NSF. Borrowers may incur fees for late-payments and Non-Sufficient Funds (NSF) transactions, which can add to the cost of the loan if not managed properly.

Pay by Phone Loan Payment Transfer Fee. The credit union charges a fee for loan payment transfers made over the phone from a non-Delta Community account, potentially increasing the overall cost of making loan payments.

Membership Restrictions. Membership in Delta Community Credit Union is limited to individuals residing in certain Georgia counties, employees of specific companies, and members of particular associations. This membership limitation may restrict access to their personal loan products for some potential borrowers.

How to Apply for a Delta Community Credit Union Loan?

Apply For a Loan

  1. Visit the Website. Open your web browser and visit the official Delta Community Credit Union website.

  2. Navigate to Personal Loans. On the website, look for the "Personal" section in the menu. Click on it to reveal the available options.

  3. Access Personal Loans Overview. From the "Personal" section, select "Loans". This will take you to a page that provides an overview of the personal loan options offered by Delta Community Credit Union.

  4. Select Personal Loan. On the "Personal Loans Overview" page, find and click on the specific "Personal Loan" option. This will lead you to the page dedicated to personal loans.

  5. Initiate the Application. On the personal loan page, look for the "Apply Now" button and click on it to start your application process.

  6. Complete the Application Form. You will be directed to an application form. Fill in all the required information accurately. This typically includes details like your name, address, email address, Social Security Number, source of income, employment information, and your checking account information. Ensure that all the information provided is correct.

  7. Review and Submit. Double-check the information you've entered to make sure it's accurate. Once you're confident that everything is correct, click the "Submit" or "Apply" button to submit your application.

  8. Wait for Approval. After submitting your application, you will need to wait for the credit union to review and process it. The approval process may take some time, and you may be contacted for any additional information or documentation if necessary.


Delta Community Credit Union is a credit union with membership restrictions. To be eligible for membership, you must meet these criteria:

  1. Reside or work in any of the following Georgia counties: Butts, Cherokee, Clayton, Cobb, Coweta, DeKalb, Douglas, Fayette, Forsyth, Fulton, Gwinnett, Hall, Henry, Paulding, Rockdale, Spalding.
  2. Be an employee/former employee/retiree of specific businesses listed by the credit union.
  3. Be a member of eligible associations. You can find the full list of eligible companies and organizations on their website.
  4. Join as a family member of an existing Delta Community Credit Union member.
  5. Become a member as a non-U.S. citizen if you work full-time for Delta Air Lines and live in certain countries. Note that in some of these countries, membership is limited to opening a savings account.
  6. As with most credit unions, you're required to open a savings account to become a member.
  7. Have a credit score of at least 680 and up to 850.
  8. The minimum age to be eligible is 18 or the state minimum, whichever is higher.


    To qualify for a personal loan, applicants may need to provide the following documentation:

    1. An active and valid personal checking account.

    2. Proof of income. This could include pay stubs, tax returns, or other income documentation.

    3. Driver's license for identification purposes.

    4. Proof of identity. Additional identification documents may be required, such as a passport or social security card.

    5. Proof of citizenship or residence permit. If you're a non-U.S. citizen, you may need to provide documentation related to your citizenship or residence status.

    6. Proof of residence. A utility bill or similar document that verifies your address.

    Ways to Receive the Money

    1. Electronic Transfer. Funds can be electronically transferred from the credit union to the borrower's checking account, ensuring a secure and rapid transfer process.
    2. Online Transfer. Borrowers can use online banking to transfer the loan funds directly into their accounts, providing a seamless and digital way to access the money.
    3. Electronic Wallets. Borrowers can opt to transfer the loan amount to their digital wallets for online purchases or transfers to others.
    4. ACH Transfer. An Automated Clearing House (ACH) transfer allows borrowers to electronically move loan funds between different financial institutions.

      How to Pay off a Delta Community Credit Union?

      1. Study Loan Terms. Familiarize yourself with the loan terms provided by Delta Community Credit Union. Understand the interest rate, repayment schedule, and any associated fees. This will help you plan your finances accordingly and ensure you're aware of what's expected throughout the repayment period.
      2. Payment Method. Choose a payment method that suits your financial habits and preferences. Many credit unions, including Delta Community, offer various options such as automatic deductions from your bank account, online payments, and even in-person payments at branches. Opting for automatic payments can help you stay on track and avoid missed payments.
      3. Keep Records. Maintain a record of all your loan-related documents, including the loan agreement, payment receipts, and correspondence with the credit union. This organized approach will help you monitor your progress and address any discrepancies that may arise.
      4. Budget Planning. Incorporate your loan repayment into your monthly budget. Allocate funds specifically for loan payments, ensuring that you don't overlook this important financial obligation amidst other expenses.
      5. Extra Payments. Consider making extra payments towards your loan principal if your financial situation allows. This can help reduce the overall interest you'll pay and shorten the repayment period.

        Things to Consider

        1. Interest Rates and Fees. Understand the interest rates and any associated fees that might affect the overall cost of the loan. This includes fees for late payments, NSF transactions, and loan payment transfers.

        2. Loan Terms. Review the repayment terms, including the length of the loan and the monthly payment amount, to ensure they align with your financial situation. Delta Community Credit Union offers terms ranging from 12 to 60 months.

        3. Credit Requirements. Check the credit score and history required for loan approval. Knowing your own creditworthiness can help manage expectations. A credit score of at least 680 and up to 850 may be needed for eligibility.

        4. Member Benefits. Explore if being a Delta Community Credit Union member offers any benefits, such as lower interest rates or flexible terms. Membership is typically a requirement for accessing their loan products.

        5. Customer Support. Assess the availability and quality of customer support for any inquiries or issues that may arise during the loan term. Knowing that you can reach out to the credit union for assistance can provide peace of mind.

        6. Limited Geographic Availability. Personal loans from Delta Community Credit Union are primarily available in Georgia. This limited geographic availability may restrict access for potential borrowers outside these areas.


        Peach State Federal Credit Union

        Apply For a Loan

        Peach State Federal Credit Union is a credit union based in Lawrenceville, Georgia, and it serves members in several Georgia counties. They offer a variety of financial products, including personal loans, auto loans, mortgages, and savings accounts.

        Peach State Federal Credit Union

        Atlanta Postal Credit Union

        Apply For a Loan

        Atlanta Postal Credit Union is another Georgia-based credit union with multiple branches. They provide a range of financial services, including personal loans, home loans, credit cards, and checking accounts.

        Atlanta Postal Credit Union

        Associated Credit Union

        Apply For a Loan

        Associated Credit Union, headquartered in Norcross, Georgia, offers a selection of financial products, such as personal loans, auto loans, and home loans, along with various banking services for its members.

        Associated Credit Union

        MidSouth Community Federal Credit Union

        Apply For a Loan

        MidSouth Community Federal Credit Union, located in Macon, Georgia, offers personal loans and other financial products to its members, serving various counties in Georgia.

        MidSouth Community Federal Credit Union

        In addition to considering credit unions, individuals seeking alternatives to personal loans from Delta Community Credit Union can explore the following financial products:

        1. Credit Cards. Credit cards can provide a revolving line of credit that can be used for various expenses. They offer flexibility in managing short-term financial needs, and some credit cards come with introductory 0% APR offers for balance transfers and purchases.

        2. Home Equity Loans or Lines of Credit. Homeowners may consider tapping into their home equity with a home equity loan or line of credit, which typically offers lower interest rates than unsecured personal loans. These loans can be used for a wide range of purposes.

        3. Online Lenders. Many online financial institutions and lenders offer personal loans with competitive rates and terms. They provide convenient application processes and quick access to funds.

        4. Peer-to-Peer (P2P) Lending. P2P lending platforms connect borrowers with individual investors who fund loans. Borrowers can explore P2P loans as an alternative to traditional financial institutions.

        Editorial Opinion

        Delta Community Credit Union's personal loans stand out as a reliable and member-centric option for individuals seeking financial assistance. With competitive interest rates and flexible repayment terms, these loans cater to a range of needs, from debt consolidation to pursuing personal projects. The credit union's commitment to transparency is commendable, as borrowers are provided with clear information about interest rates, fees, and repayment schedules. Additionally, the convenience of various repayment methods, including automatic deductions and online payments, ensures borrowers can manage their loans with ease. However, potential borrowers should carefully consider their creditworthiness and the loan terms before proceeding, as eligibility requirements vary. Overall, Delta Community Credit Union's personal loans exemplify a commitment to its members' financial well-being and offer a trustworthy avenue for achieving short-term financial goals.


        Keeping your Debt-to-Income (DTI) ratio below 30-40% of your monthly income is crucial. This will help you avoid potential financial problems in the future. Additionally, always assess the necessity and feasibility of taking a loan, ensuring you can comfortably manage its repayment.


        At Finanso, we've carried out a comprehensive analysis of over 100 lenders, assessing them based on 35 different parameters across six key categories: accessibility of loans, customer relations, quality of service, interest rates, and transparency of conditions.

        In each category, we carefully considered the most critical factors in selecting a lender. These factors include the interest rates, available loan amounts, minimum credit score, minimum income, application fees, and the speed at which funds are transferred.

        At Finanso, we highly value our users, which is why we also focus on the quality of customer service, user reviews, and additional features that can aid our users in making a well-informed decision.

        Our ultimate goal is to provide insightful recommendations and expert advice to assist you in selecting a lender that best caters to your specific needs.

        Additional resources

        To learn more about loans and best practices, check out some of the following resources:



        What credit score do you need for a Delta Community Credit Union personal loan?

        To be eligible for a Delta Community Credit Union personal loan, applicants typically need a credit score of at least 680 and up to 850. Meeting this credit score requirement is an important factor in determining your eligibility for their personal loan products. Keep in mind that credit score requirements may vary among different financial institutions and lenders, so it's always a good idea to check with the specific lender for the most up-to-date information.

        Is it harder to get a loan from a credit union?

        Obtaining a loan from a credit union, in some cases, maybe more accessible than from traditional banks or lenders. Many credit unions are known for their community-oriented approach and may be more willing to work with customers regardless of their financial circumstances. If you believe that you might not meet the qualification criteria for a personal loan at other financial institutions, a credit union may be more inclined to provide you with an opportunity.

        Credit unions typically have a member-focused approach and may take into account factors beyond just credit scores when assessing loan applications. This can include considering your relationship with the credit union, your financial history with them, and your individual circumstances. However, it's important to note that credit unions also have their own lending standards and requirements, and eligibility may vary from one credit union to another.

        What credit bureau does Delta Community Credit Union use?

        Delta Community Credit Union reports your Delta Community Personal Loan account activity to the following credit reporting agencies:

        • Equifax

        • Experian

        • TransUnion

        This means that your loan information, including payment history and other relevant data, will be shared with these credit reporting agencies, which can impact your credit report and credit score.