Disclosure Supplement
Delta Community Credit Union
P.O. Box 20541
Atlanta, GA 30320-2541
Effective Date 08/01/26
This Disclosure Supplement is incorporated into and becomes part of your Member/Savings Services Disclosures and Agreements. The Disclosure Supplement discloses the account rates, current fees and terms on deposit accounts.
Account Rate Schedule
Free Checking and Spendsafe CheckingTM
| Tier Range | Prospective Dividend Rate | Prospective Annual Percentage Yield | |
|---|---|---|---|
| Account does not earn interest | Account does not earn interest |
Type of Rate: Variable
Minimum Opening Deposit/Minimum Balance: None
Minimum Balance to Earn Dividends: $5,000.00
Balance Method: Average Daily Balance
Interest Checking
| Tier Range | Prospective Dividend Rate | Prospective Annual Percentage Yield | |
|---|---|---|---|
| $0 > | 0.100% | 0.10% |
|
Type of Rate: Variable
Minimum Opening Deposit/Minimum Balance: None
Minimum Balance to Earn Dividends: $5,000.00
Balance Method: Average Daily Balance
Savings
| Tier Range | Prospective Dividend Rate | Prospective Annual Percentage Yield | |
|---|---|---|---|
| $0 – 499.99 | 0.250% | 0.25% |
|
| $500.00 – 9,999.99 | 0.250% | 0.25% |
|
| $10,000.00 – 24,999.99 | 0.250% | 0.25% |
|
| $25,000.00 – 49,999.99 | 0.250% | 0.25% |
|
| $50,000.00 – 99,999.99 | 0.250% | 0.25% |
|
| $100,000.00 > | 0.250% | 0.25% |
|
Type of Rate: Variable
Minimum Opening Deposit: $5.00
Minimum Balance: $5.00
Balance Method: Average Daily Balance
IRA or Coverdell Education Savings
| Tier Range | Prospective Dividend Rate | Prospective Annual Percentage Yield | |
|---|---|---|---|
| $0 – 499.99 | 0.300% | 0.30% |
|
| $500.00 – 9,999.99 | 0.300% | 0.30% |
|
| $10,000.00 – 24,999.99 | 0.349% | 0.35% |
|
| $25,000.00 – 49,999.99 | 0.399% | 0.40% |
|
| $50,000.00 – 99,999.99 | 0.598% | 0.60% |
|
| $100,000.00 – 249,999.99 | 0.747% | 0.75% |
|
| $250,000.00 – 499,999.99 | 0.847% | 0.85% |
|
| $500,000.00 – 999,999.99 | 1.243% | 1.25% |
|
| $1,000,000.00 > | 1.982% | 2.00% |
|
Type of Rate: Variable
Minimum Opening Deposit: None
Minimum Balance: $0.00
Balance Method: Average Daily Balance
Account Fee Schedule
Checking Accounts
| Account Type | Fee Name | Fee Amount | |
|---|---|---|---|
| Interest Checking | Maintenance Fee | $10.00 per month, waived with $1,500 minimum average daily balance in Interest Checking Account or $10,000 aggregate average daily balance in all deposit accounts (does not include deposit funds held in Inherited IRAs or Trust Accounts at Delta Community Credit Union) | Interest Checking Maintenance Fee: $10.00 per month, waived with $1,500 minimum average daily balance in Interest Checking Account or $10,000 aggregate average daily balance in all deposit accounts (does not include deposit funds held in Inherited IRAs or Trust Accounts at Delta Community Credit Union) |
| SpendSafe Checking | Maintenance Fee | $8.00 per month (waived for primary account owners under age 23) | SpendSafe Checking Maintenance Fee: $8.00 per month (waived for primary account owners under age 23) |
| All Checking Accounts | Foreign Card Fee The Foreign Card Fee is assessed for any card transaction in a foreign currency or completed outside of the U.S., including internet transactions initiated in the U.S. with a merchant who processes the transaction in a foreign country. | 1% foreign transaction | Foreign Card Fee: 1% foreign transaction |
| All Checking Accounts | Foreign Check Fee | 1.5% of final exchange amount, minimum $30, maximum $500 | Foreign Check Fee: 1.5% of final exchange amount, minimum $30, maximum $500 effective |
| All Checking Accounts | Rush Delivery Fee (Bill Pay ACH) | $15.00 | Rush Delivery Fee (Bill Pay ACH): $15.00 |
| All Checking Accounts | Rush Delivery Fee | $15.00 Weekday, $30.00 Saturday | Rush Delivery Fee: $15.00 Weekday, $30.00 Saturday |
| All Checking Accounts | Domestic Wire Transfer | $25.00 per transfer out | Domestic Wire transfer - Outgoing: $20.00 per transfer out |
| All Checking Accounts | International Wire Transfer | $50.00 per outgoing transfer | International Wire Transfer - Outgoing: $50.00 per outgoing transfer |
| All Checking Accounts | Non-Sufficient Funds (NSF) Fees per calendar year, includes ACHs and Zelle transactions Note that you may be charged an NSF fee each time a check or ACH is presented to us, even if it was previously submitted and rejected. | $15.00 per presentment | Non-Sufficient Funds (NSF) Fees per calendar year, includes ACHs: $15.00 per presentment Note that you may be charged an NSF fee each time a check or ACH is presented to us, even if it was previously submitted and rejected. |
| All Checking Accounts | Official Check Withdrawal | $10.00 | Official Check Withdrawal: $10.00 |
| All Checking Accounts | Check Printing Fee(s) | Pricing Varies | Check Printing Fee(s): Pricing Varies |
| All Checking Accounts | Courtesy Pay Fees | $25.00 per item paid, including Zelle transactions (not applicable to SpendSafe Checking Account) | Courtesy Pay Fees: $25.00 per item paid, including Zelle transactions (not applicable to SpendSafe Checking Account) |
| All Checking Accounts | Copy of Paid Check, with trace # provided | $5.00 per check | Copy of Paid Check, with trace # provided: $5.00 per check |
| All Checking Accounts | Non-conforming Check | $12.00 per item | Non-conforming Check: $12.00 per item |
| All Checking Accounts | Stop Payment Order (Check/ACH/Bill Pay/Zelle) | $28.00 per item | Stop Payment Order (Check/ACH/Bill Pay/Zelle): $28.00 per item |
| All Checking Accounts | Balancing Checking Account | $25.00 per month | Balancing Checking Account: $25.00 per month |
| All Checking Accounts | Copy of Past Statement | $3.00 per statement | Copy of Past Statement: $3.00 per statement |
| All Checking Accounts | Transaction History | $5.00 per request | Transaction History: $5.00 per request |
| Account Research | $25.00 per hour; $.30 per page copied | Account Research: $25.00 per hour; $.30 per copy | |
| All Checking Accounts | Copy of IRS Form | $3.00 per form | Copy of IRS Form: $3.00 per form |
| All Checking Accounts | Outgoing Fax | $5.00 first 3 pages; $1.00 each additional page | Outgoing Fax: $5.00 first 3 pages; $1.00 each additional page |
| All Checking Accounts | Money Order | $5.00 per item | Money Order: $5.00 per item |
| All Checking Accounts | Overdraft Transfer Fee from Credit Accounts | $5.00 for each Overdraft Transfer from loans and Visa®. | Overdraft Transfer Fee from Credit Accounts: $5.00 for each Overdraft Transfer from loans and Visa®. |
| All Checking Accounts | Overdraft Transfer Fee from Deposit Accounts | $3.00 for each Overdraft Transfer from a share account (including savings or money market account). | Overdraft Transfer Fee from Deposit Accounts: $3.00 for each Overdraft Transfer from a share account (including savings or money market account). |
| All Checking Accounts | Non-Network ATM Fee | $2.00 per withdrawal transaction Note that you will be charged a Non-Network ATM Fee for each withdrawal transaction made at a non-Delta Community or COOP network ATM, regardless of whether they occur within a single or multiple ATM session. | $2.00 per withdrawal transaction Note that you will be charged a Non-Network ATM Fee for each withdrawal transaction made at a non-Delta Community or COOP network ATM, regardless of whether they occur within a single or multiple ATM session. |
Savings Account
| Fee Name | Fee Amount | |
|---|---|---|
| Foreign Card Fee The Foreign Card Fee is assessed for any card transaction in a foreign currency or completed outside of the U.S., including internet transactions initiated in the U.S. with a merchant who processes the transaction in a foreign country. | 1% foreign transaction | Foreign Card Fee: 1% foreign transaction |
| Foreign Check Fee | 1.5% of final exchange amount, minimum $30, maximum $500 | Foreign Check Fee: 1.5% of final exchange amount, minimum $30, maximum $500 |
| Rush Delivery Fee | $15 Weekday, $30 Saturday | Rush Delivery Fee: $15 Weekday, $30 Saturday |
| Domestic Wire Transfer | $25.00 per transfer out | Domestic Wire Transfer: $25.00 per transfer out |
| International Wire Transfer | $50.00 per transfer out | International Wire Transfer: $50.00 per transfer out |
| Non-Sufficient Funds (NSF) Fees per calendar year, includes ACHs Note that you may be charged an NSF fee each time a check or ACH is presented to us, even if it was previously submitted and rejected. | $15.00 per presentment | Non-Sufficient Funds (NSF) Fees per calendar year, includes ACHs: $15.00 per presentment Note that you may be charged an NSF fee each time a check or ACH is presented to us, even if it was previously submitted and rejected. |
| Official Check Withdrawal | $10.00 per item | Official Check Withdrawal: $10.00 per item |
| Money Order | $5.00 per item | Money Order: $5.00 per item |
| Copy of Past Statement | $3.00 per statement | Copy of Past Statement: $3.00 per statement |
| Transaction History | $5.00 per request | Transaction History: $5.00 per request |
| Copy of IRS Form | $3.00 per form | Copy of IRS Form: $3.00 per form |
| Outgoing Fax | $5.00 first 3 pages, $1.00 each additional page | Outgoing Fax: $5.00 first 3 pages, $1.00 each additional page |
| Court Order Processing Fee | $50.00 per order or the maximum allowed by law | Court Order Processing Fee: $50.00 per order or the maximum allowed by law |
| Inactive Account Fee | $5.00 per month An Account is inactive if the total of your combined account balances (deposits and loans) falls below $60 and you have not corresponded with nor made any transactions for 12 months to any account (deposits and loans) |
|
| Non-Network ATM Fee | $2.00 per withdrawal transaction Note that you will be charged a Non-Network ATM Fee for each withdrawal transaction made at a non-Delta Community or COOP network ATM, regardless of whether they occur within a single or multiple ATM session. | $2.00 per withdrawal transaction Note that you will be charged a Non-Network ATM Fee for each withdrawal transaction made at a non-Delta Community or COOP network ATM, regardless of whether they occur within a single or multiple ATM session. |
Individual Retirement Account
| Fee Name | Fee Amount | |
|---|---|---|
| Excessive Transfer Fee | $25.00 institutional transfer fee if exceeds one free transfer per year | Excessive Transfer Fee: $25.00 institutional transfer fee if exceeds one free transfer per year |
Account Disclosures
I. Rate Information
Dividend Rate and APY
The prospective dividend rates and annual percentage yields are stated in the Account Rate Schedule.
Variable Rate Accounts
The dividend rate and annual percentage yield may change every dividend period as established from time to time by the Credit Union’s Board of Directors.
Organizational Accounts
Organizational accounts that do not provide an EIN (Employer Identification Number) will not earn dividends.
II. Nature of Dividends
Dividends are paid from current income and available earnings, after required transfers to reserves at the end of the dividend period.
III. Compounding and Crediting
Frequency
Dividends will be compounded and credited monthly. The dividend period is monthly; for example, the beginning of the first dividend period of the calendar year is January 1, and the ending date is January 31. All other dividend periods follow the same pattern of dates. The dividend declaration date is the ending date of the dividend period, for example, January 31.
Effect of Account Closing
If you close your account before dividends are paid, you will be paid the accrued dividends for the period.
IV. Balance Information
Minimum Balance Requirements
Minimum balance requirements for each account are set forth in the Account Rate and Terms Schedule.
Balance Computation Method
Dividends are calculated using the average daily balance method. Under this method, the Credit Union will pay the stated dividend rate that corresponds to the applicable account tier range on the average daily balance for the period. The average daily balance is determined by adding the full amount of principal in the account for each day of the period and dividing that figure by the number of days in the period.
When Dividends Begin to Accrue
Dividends begin to accrue on the business day you make a deposit, whether cash or non-cash, such as checks, to your account.
V. Fees
Fees that may be assessed against your accounts are set forth in the Account Fee Schedule.
Inactive Account – If the total of your combined account balances (deposit and loan) falls below $60, and you have not corresponded with nor made any transactions for twelve (12) months to any of your accounts (deposit and loan), we will classify your account as inactive and may impose an inactive fee. (See Savings Inactive Account in the Account Fee Schedule).
You authorize the Credit Union to transfer funds from any deposit account to cover the fee(s) and close your membership if the balance of all deposit accounts is zero.
VI. Transaction Limitations
Savings Account Limitations
The Credit Union reserves the right to require 60 days prior written notice be provided before any withdrawal of funds is made from the Savings account.
The Savings account is restricted from the Online Bill Pay and Online Deposit products used within Online Banking.
IRA Account Limitations
Transactions are subject to Form 5305A and 5305RA under Section 408(a) of the Internal Revenue Code.
Federally insured by NCUA