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Certificates of Deposit

Add Our CDs to Your Interest Collection

One of the first things you need to know about managing your finances wisely is that you shouldn’t let your money just sit. So if you have money lounging around in a checking account or savings account, you might want to put it into one of our Personal Certificates of Deposit, where it can earn a higher rate of interest.

Interested in other savings options? In addition to our high-yield Certificates of Deposit, we also have great rates on Money Market Accounts. Take a look at our competitive dividend rates for our full range of interest-bearing accounts.

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Overview & Benefits
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Overview & Benefits

What is a Certificate of Deposit or CD Account?

A certificate of deposit (CD) is another way for you to watch your money grow at a higher interest rate. It is similar to a savings account in that it helps you grow your money, but CDs are a time deposit. Your deposited funds are set for a fixed-term and can be used once the certificate of deposit has matured (fixed-term is complete).

All of our Personal Certificates of Deposit earn interest daily and have flexible terms to fit your financial needs. And when the CD matures, you can renew it for another consecutive term or have the funds transferred to your Checking, Savings, Additional Savings or Money Market Account.

Here are some other helpful facts about our CDs:

Maturity notices sent 30 days from maturity date
Interest compounds monthly or can be transferred monthly to your Checking, Savings, Additional Savings Account or Money Market Account
6, 12, 24, 36 or 60 month terms available
Joint ownership and beneficiaries permitted
10-day grace period for cancellation of renewal at maturity

Routing Number

Where's our routing number when you need it?
Right here:

261071315

Rates

Certificate of Deposit Rates

Term	Rate	APY*
6 Month	3.44%	3.50%	Term: 6 Month Rate: 3.44% APY*: 3.50%
12 Month	4.26%	4.35%	Term: 12 Month Rate: 4.26% APY*: 4.35%
24 Month	3.59%	3.65%	Term: 24 Month Rate: 3.59% APY*: 3.65%
36 Month	3.25%	3.30%	Term: 36 Month Rate: 3.25% APY*: 3.30%
60 Month	3.30%	3.35%	Term: 60 Month Rate: 3.30% APY*: 3.35%

View Current Certificate of Deposit (CD) Disclosure Supplement

Minimum Opening Deposit: $1,000.00
Minimum Balance: $1,000.00
*APY = Annual Percentage Yield. Rates subject to change.
Rates are effective as of the first day of the current month.
Early withdrawal penalties apply.
Fees could reduce the earnings on the account.

You'll Find These Helpful

How do I open a CD?

You can open a new CD through your Online or Mobile Banking. Here, you can add existing joint owner(s) and beneficiaries that are currently included on your primary savings account or elect not to name anyone as a joint owner or beneficiary. Within Online Banking, simply select Add an Account located under Additional Services. From within the Mobile Banking app, select More to access Add an Account.

If you are not an Online or Mobile Banking user or if you need to open a CD with different joint owner/beneficiaries, you may use the Certificate of Deposit Application. This application requires signatures from you and all joint owners (if applicable).

Can a joint owner open a CD?

No. The signature of the primary member is required to open a CD. A joint owner of the CD is authorized however to request the closing of a CD.

What is the difference between the savings rates and a CD rate?

Rates offered on CDs are higher than rates offered on regular share accounts. However, once a CD is purchased, the rate at the time of purchase is fixed for the term of the CD, whereas the rates on regular shares are not fixed, and can fluctuate monthly based on market demands.

Are CDs insured?

Yes. CDs are insured through NCUA. Existing titling requirements/guidelines apply.

What terms are offered for CDs?

We offer 6, 12, 24, 36 and 60 month terms. Learn more about Certificates of Deposit.

What is the minimum deposit to open a CD?

The minimum deposit is $1,000.

Can I open up the CD today and deposit the money later?

Yes. You will have 14 days to make a deposit to your CD using a payment method such as, Online Banking transfer or Account to Account (A2A) transfer from another financial institution, as well as other deposit options. As a benefit to our members, you’ll be guaranteed the best available rate between the day you open the CD and the date you fund it.

What fees and penalties are involved with a CD?

There is no monthly charge or fee for maintaining a CD. An early withdrawal penalty is incurred when a CD is closed prior to maturity. Early withdrawal penalties are as follows:

Available Terms	Early Withdrawal
6 months	60 days of interest	Available Terms 6 months Early Withdrawal 60 days of interest
12 months	90 days of interest	Available Terms 12 months Early Withdrawal 90 days of interest
24 or 36 months	180 days of interest	Available Terms 24 or 36 months Early Withdrawal 180 days of interest
60 months	270 days of interest	Available Terms60 months Early Withdrawal270 days of interest

Partial withdrawals are not allowed with CDs.

What is a maturity date? Why is it important?

The maturity date is the date on which the term of the CD expires. At this time the CD is either renewed for another term at the current rate, or the funds are transferred into any share and the CD is closed. It is important because the rate remains fixed up to this point.

Can I change my renewal selection I made when opening my CD?

Yes. You may change your renewal selection at any time before your CD has reached its maturity date. You can contact us within Online Banking from Contact Us located under Additional Services, by phone or by visiting one of our branches. Please provide your instructions to either renew or deposit the funds into the selected account.

If your CD renews on the maturity date, you will have a 10- day grace period from the date following the maturity date to close the CD without incurring a penalty (penalties can be found above). For example, if your CD renews on the 1st of the month, you will have through the 11th of the same month to close the CD without incurring a penalty.

Changes to an existing CD cannot be made during the grace period. If you would like to change the term of or withdraw funds from your CD, you will need to close the existing CD and open one with new terms and conditions.

Can I discontinue my CD before the maturity date?

Yes. CDs can be discontinued before maturity, although you may be subject to an early withdrawal fee based on the term of the CD (see fees above).

Can I extend my CD term once opened?

No. After your CD matures you may use your funds and open a new CD with a different term.

How do I receive my interest? Can I make a change on how the interest is disbursed before the CD matures?

Your interest may be posted monthly back into your CD, into another share, or a check may be issued for the monthly dividend amount. You may change how your interest is disbursed at any time before your CD reaches maturity. Contact us via Online Banking from Contact Us under Additional Services, by phone, or come into one of our branches to request the change.

When is interest posted for CDs?

The interest is posted on the last day of the month, just as they are with other deposit accounts.

Are partial withdrawals allowed for CDs?

Partial withdrawals are not allowed. The funds must remain in the CD for the entire term. If a withdrawal is made, it must be for the complete balance and the CD will be closed. If closed prior to the maturity date, an early withdrawal fee may be assessed.

Are CDs allowed on a minor's account?

Yes. A CD can be opened on a minor's account with a qualified joint owner.

Can a CD be used as collateral on a loan?

No, a CD cannot be used as collateral.

Can additional deposits be made to the CD after the CD is opened?

No, additional deposits cannot be made without closing the CD. If you have any questions, please contact 800-544-3328 for additional assistance or send us a message within Online Banking from Contact Us located under Additional Services.

Are joint owners and beneficiaries allowed on a CD and can they be changed after the CD has been opened?

Yes, joint owners and beneficiaries are allowed and can be changed once the CD has been opened.

To change or remove beneficiaries you may use the Designation of Beneficiaries form. To change or remove joint owners please log in and contact us within Online Banking from Contact Us under Additional Services to request the paperwork necessary to make the desired changes.

Learn more about Certificates of Deposit.

How can I review my active CD(s)?

A CD can be reviewed via the contract received in the branch or by email. It can also be reviewed in Online Banking. To review it in Online Banking, click on the active CD under Accounts, and then click on Account Details to expand the details.

Does Delta Community offer Trust Accounts?

Delta Community Credit Union offers formal Revocable Trust Accounts for our members’ estate planning needs. A formal Revocable Trust is a Living Trust created within a written, notarized document that can be modified or revoked by the Grantor, or person who establishes the Trust and transfers property to it. The assets registered in the name of the formal Trust pass directly to the beneficiaries named in a formal, written Trust document. At this time, Delta Community Credit Union does not offer Corporate Trustee services, Trust Accounts specific to businesses nor corporations, nor Irrevocable Trust accounts..

To be eligible to open a formal Revocable Trust Account with Delta Community Credit Union, the following requirements must be met:

The street address used for Trust tax filing must be within our field of membership and specifically within one of the Georgia counties that we service. PO Box addresses are not eligible.
If the Trust has multiple Trustees, all Trustees must have explicit authority in the formal written Trust document and certificate of Trust to act independently.
All Trust Grantor(s) must have a personal membership in good standing at Delta Community at the time of formal Revocable Trust Account opening and maintain their personal membership for the entirety of the Revocable Trust Account term
Grantor(s) who are non-members or existing Joint Owners will be required to open a personal membership and maintain their personal membership for the entirety of the Revocable Trust Account term.
- This is required for the formal Revocable Trust Account to be eligible for National Credit Union Administration (NCUA) share insurance coverage.

Required documents to open a formal Revocable Trust Account with Delta Community Credit Union:

Certificate of Trust or pages of the formal Trust document that provide:
- Trust name
- Notarized signatures of individual(s) who established the Trust (Grantors & Trustees)
- Grantor(s) and Trustee name(s)
- Copy of death certificate of any deceased Grantor or Trustee
  - Must provide an updated Certificate of Trust if a Grantor has passed away.
- Amendments to the original Trust Agreement
For Grantor(s) and Trustee(s) of the Trust, a valid, government-issued photo ID is required.
- If the address on the ID is different than the address provided, documentation confirming the home address such as a utility bill or lease agreement is required.

If the eligibility requirements to open a formal Revocable Trust Account cannot be met, you have the option to create an informal Trust by naming your Trust as the beneficiary on your personal membership shares: Savings, Checking, Additional Savings, Money Market, Certificate of Deposit, or Individual Retirement Account (IRA) or Health Savings shares.

For all questions regarding Trust Accounts, please contact Trust Services at 404-677-4100, option # 1.

What type of investments does the credit union invest its funds in?

Delta Community Credit Union primarily invests its money in making loans to members. The credit union also invests in high quality, low risk instruments, such as U.S. Government and agency securities, certificates of deposit and overnight investments.

If would you like to review disclosures that are associated with your consumer account opening, please click the links below:

Delta Community Membership Booklet (Member/Savings Services Disclosures and Agreements)
Disclosure Supplement (Rates and Fee Schedule)
Free Checking Disclosure Supplement
Interest Checking Disclosure Supplement
SpendSafe Disclosure Supplement
Courtesy Pay Plus Disclosure
Certificate of Deposit Disclosure Supplement
Money Market Account Disclosure Supplement
Privacy Notice
Courtesy Pay Disclosures and Agreement

Does Delta Community sell savings bonds?

Delta Community at this time does not sell savings bonds. They can be purchased conveniently at www.savingsbonds.gov.

Where can I cash my savings bond?

As a Delta Community member, you may bring your savings bond to any Delta Community branch office to be redeemed. Savings bonds are to be redeemed by the payee and valid identification must be presented at the time of transaction. We are able to redeem Series E, EE and I savings bonds as long as they are redeemed by the owner of the bond, the POD of the bond (must provide a certified copy of the death certificate), or the parent of the minor child with whom the child resides. Any transactions outside these guidelines will have to be directed to the Federal Reserve for assistance.

Can I deposit my savings bonds at an ATM or night drop?

Any transaction involving a savings bond, whether you are depositing or cashing, must be done in person. The endorsing of the bond must be witnessed by the teller processing the transaction and the appropriate identification must be presented. Should a bond need to be sent to the Federal Reserve Bank for processing, the endorsement must be witnessed with a Signature/Medallion Guarantee Stamp prior to sending.

Can I be sure my bond will reach face value?

Yes. Series EE bonds are purchased at half their face value or denomination. Because EE bond interest is pegged to market rates that change every six months, there is no way to predict when a bond will reach its face value. In the unlikely event that rates are so low that a bond doesn't reach face value by the time it is 17 years old, the Treasury will make a one-time adjustment to increase the bond's value to face value at that time. See your bonds current value.

My father/mother recently passed away and we discovered that he/she owned several bonds. What can I do with these bonds?

If only one person is named on a savings bond, and that person is deceased, his or her bond is the property of his or her estate. "Estate" as used here means any belongings or other property left by the person who is deceased.

If both people named on a bond are deceased, the bond is the property of the estate of the person who died last. Once the bonds become the property of the estate, a court order dated within the last 12 months must be presented by the executor before they can be redeemed.

If one of two people named on a bond is deceased, the surviving person is automatically the owner just as if that survivor had been the sole owner from the time the bond was issued.

Once you have defined who the bond is being cashed for, it will be necessary to go to the bond web site to obtain a form to be completed and sent to the government for cashing. We are unable to cash these bonds at the credit union. For additional information on bonds and access to the necessary forms go to www.savingsbonds.gov.

CDs are federally insured by the National Credit Union Administration (NCUA), a federal government agency. The basic insurance amount is $250,000 per individual account holder. Share insurance coverage can be increased if accounts are held in different categories of ownership, such as joint accounts and payable-on-death accounts.