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Knowledge Base Article

Advantages of joining the credit union

Why should I join the credit union? What are the advantages of being a credit union member?

When you invest in the credit union, you're not only making a wise financial decision for yourself, you're also helping other Delta Community Credit Union members reach their financial goals. Delta Community Credit Union is a cooperative, owned and operated by its members. This is what distinguishes the credit union from other financial institutions. Members put their money in a variety of savings accounts, and that money, in turn, is lent to members. After operating expenses and reserve requirements are met, loan income is returned to all members in the form of dividends and comprehensive financial services.

Delta Community also offers Checking Accounts with:

  • No monthly service fees
  • No minimum balance
  • No per check fees
  • Dividend earning on accounts with a daily average minimum balance of $5000
  • 24-hours access to your funds with a Delta Community check or ATM card at ATM's and merchant locations
  • Automatic overdraft protection from your Savings Account

Delta Community offers many products and services at either no fee or small fees. Each member owns a share of the credit union, so you have the opportunity to vote in the credit union elections.

By joining the credit union, you and your eligible family members become Delta Community members for life! No matter where you live or work in the future, your membership will continue as long as you maintain an active Savings Account and remain a member in good standing.