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 / Accounts / Savings / Savings Accounts

Personal Savings Accounts

Savings for a rainy day or a sunny one.

Saving is made simple at Delta Community Credit Union. Open a personal savings account for just $5 deposit and start earning competitive dividends, which are paid out monthly. Once you're a member, you're a member for life, regardless of whether you move, change jobs or retire.

Online Savings Account

View your personal savings account online at any time. You can also transfer funds from your personal checking account or personal money market account through Online Banking or on the go with Mobile Banking.


Personal Savings Accounts Overview

No matter what you’re saving for, Delta Community Credit Union makes it simple. All you need to open a Personal Savings Account is a $5 deposit, and you’ll immediately start earning competitive dividends, which are paid out monthly. And once you're a member, you're a member for life, regardless of whether you move, change jobs or retire.

Saving for something extra special?

You might want to open an Additional Personal Savings Account that allows you to save for something outside your normal realm of savings. And we invite you to call it whatever you want. Your “Beach Within Reach Account.” Your “University of Savings Account.” Your “Brand Spanking New Car Account.” With an Additional Personal Savings Account, you’ll be able to keep the funds for the special things you’re saving for in their own special place. And just like our regular Personal Savings Account, it earns the same competitive dividends and is accessible through Online Banking and through our many credit union branch locations.

Check to see just how close you are to that beach vacation or new car with our free Savings Calculators.

Who is this product right for?

Someone who is ready to start saving with only $5 to start.

Savings Accounts Rates

Tier RateRateAPY*
$0.01 and up0.15%0.15%


Who is this product right for?

Someone who is ready to start saving with only $5 to start.

Compare Personal Savings Accounts Rates

Delta Community Credit Union has one of the best savings rates around. A higher personal savings rate equals more money in your pocket.

Company APY
Delta Community CU 0.15%
Chase Bank 0.01%
Regions 0.01%
SunTrust 0.01%
Wells Fargo 0.01%

Competitor APYs as of the first day of the current month, provided by  

Who is this product right for?

Someone who is ready to start saving with only $5 to start.

Personal Savings Accounts Fees

Monthly Fee $0.00
Local Returned Deposited or Cashed Item $12.00/item
Foreign Returned Deposited or Cashed Item (US and Canadian) $20.00/item
Foreign Returned Deposited or Cashed Item (Other Currency) $40.00/item
Non-Sufficient Funds (NSF) Fee (per calendar year - includes ACH overdraft)** $25.00 1st item
2nd & 3rd item returned $30.00 per item
4th or more item returned $35.00 per item
Inactive Account Fee or Low Balance Fee $5.00 per month/$0 for account owners under 18 years of age
Inactive Account - If the total of your combined account balances (deposit and loan) falls below $100 and you have not made any transactions for six (6) months to any of your accounts (deposit and loan ), we will classify your account as inactive and may impose an inactive fee.

Who is this product right for?

Someone who is ready to start saving with only $5 to start.

Related Articles

  • Additional Savings Account FAQs
  • What is the benefit of an Additional Savings Account?
    Having a second savings will be convenient to save for a special occasion, or for a major purchase, by keeping your funds separate from your primary savings. You may find this similar to a Christmas Account but with an added benefit; the Additional Savings Account earns the same dividend rate as does your Primary Savings.

    Can I open an Additional Savings Account from my Primary Savings Account online or do I need to fill out a request form?
    To open an Additional Savings account from within Online Banking, simply click on Add an Account from the Additional Services tab.
    If you are not an Online Banker, complete the Membership Application. You may return the form by mail, fax or stop by your local branch. It only takes a couple of minutes to open this account for you.

    Can I open more than one Additional Savings Account?
    Yes. You can open multiple Additional Savings Accounts by following the steps above.

    Is there a minimum deposit required for the Additional Savings Account?
    There is not a minimum deposit required for an Additional Savings Account. The Primary Savings Account must have a $5 deposit to open the account but not the Additional Savings Account.

    Can the joint owner of a minor's Sandy Saver account request to open an Additional Savings Account?
    Yes, at the joint owner's request, Delta Community CU will open the account for the minor.

    Will I be able to use my ATM or Visa Check Card to withdraw funds from the Additional Savings Account?
    No, your ATM card will not access funds on your Additional Savings Account directly. You can only withdraw funds from your primary Savings or Checking Accounts. You can transfer* the money as stated below and then make the withdrawal at the ATM.

    How can I transfer* funds to and from my Additional Savings Account?

    • Audioline
    • Online Banking
    • Fax request to 404-677-4789 attn: Research Advisors
    • Standard withdrawal slips in front of a teller
    • Sending an online message using the Secure Email under Additional Services from within Online Banking
    If you need to set up an Audioline access code, access the form here. To set up Online Banking access, click on Log In from the Tool Bar above. Next, click on New Enrollment.

    *You can also request a check to be mailed to you online or from Audioline 1-800-334-7536 check withdrawal from Savings ID 30 service code 13#.

    Can I set up an ACH for direct deposit into my Additional Savings Account?
    Yes, you will need to provide your employer with your account number and then -30. For example if your account number was 12343456, you would list it as 12343456-30. If your employer cannot enter a dash in the account number, then you will need to choose your Primary Savings Account or your Checking Account for the direct deposit.

    *Reg D - Savings and Money Market Account Limitations:
    The account owners will not be permitted to make more than six (6) withdrawals from the Savings Account per month for the purpose of transferring funds from the Savings Account to another account with the Credit Union or for making a payment to a third party by means of preauthorized or automatic transfer, telephonic agreement (e.g. Audioline, Online Banking, or Online Bill Pay), order or instruction. The following transfers or withdrawals do not count toward the six (6) withdrawal limitation: (a) any transfer for the purposes of repaying the Credit Union loans; (b) transfers among accounts of the same person, when made by mail, messenger, ATM, or in person, and (c) withdrawal checks issued via Audioline. You are allowed a certain number of withdrawals during a month and the entire calendar year, after which service charges may be assessed. Both the number of withdrawals and the charges that may be assessed are listed on the Disclosure Supplement.

  • Reg D FAQs
  • How can I make a transfer after I have exceeded Reg D?
    To make a transfer after the Reg D has been exceeded, you can:

    • Transfer the money at an ATM
    • In person with a teller
    • Mail in a request to transfer funds

    What is Regulation D?
    Reg D is a federal regulation that limits the number and type of withdrawals from Savings, Additional Savings or Money Market Accounts to six per month (per account).

    What is the purpose of Regulation D?
    The purpose of Reg D is to regulate the level of reserves a financial institution maintains. The required reserve amount for each financial institution is based on the balances it has in its transactional accounts, such as Checking Accounts.

    What policy change is Delta Community making to comply with Reg D?
    Overdrafts from Savings or Money Market Accounts to cover debit card transactions will be included in the six (6) withdrawals permitted under Reg D. Therefore, debit card transactions that attempt to draw from Savings or Money Market Accounts when there are insufficient funds in checking - beyond the six permitted each month - will be denied, unless other forms of overdraft are set up on the account.

    How does Reg D affect my account?
    If you have a Delta Community Savings or Money Market Account and frequent withdrawals are made from any one of those accounts to cover overdrafts from your Checking Account, Reg D withdrawal limits could possibly result in denied debit card transactions on your account.

    Click here for overdraft protection options.

    What types of transactions are counted toward the 6 (six) Reg D withdrawals permitted each month?

    • ACH transfers from a Savings or Money Market Account to another Financial Institution or third party for payment by means of a preauthorized or automatic transfer, telephone agreement, order or instruction. (e.g. Audioline or Online Banking, etc.)
    • Withdrawal checks issued from a Savings or Money Market Account via Audioline/Online Banking when made payable to a third party
    • Audioline/Online Banking transfers from a Savings or Money Market Account to any Delta Community Account
    • Automatic transfers from a Savings or Money Market Account to cover checks, ACH, or EFT (overdraft protection)
    • Checking Account debit card transactions which overdraft from a Savings or Money Market Account when the funds in the Checking Account are insufficient.
    • Recurring scheduled transfers from a Savings or Money Market Account to any other Delta Community Account.

    What types of transactions are not counted toward the 6 (six) Reg D withdrawals permitted each month under Reg D?

    • Withdrawal checks issued via Audioline/Online Banking when made payable to the member and mailed to the member
    • Any transfer for the purpose of repaying a Delta Community CU loan
    • Transfers among accounts of the same person when made by mail, ATM or in person

    When does the Reg D counter reset?
    The Reg D counter resets at the beginning of each month, bringing the debit card and the ACH/Draft counter back to zero.

    If I have two Savings Accounts am I limited to 6 Reg D withdrawals for each account or 6 in total for both?
    Each month you are permitted six Reg D withdrawals from each Savings Account.

    Are Reg D withdrawals on other Savings Accounts counted towards the Reg D count for the Money Market Accounts?

    No, each Reg D governed account is allowed 6 Reg D withdrawals per month.

    Do ATM transfers from Savings and Money Market Accounts count toward Reg D?
    No, ATM transfers will not count towards Reg D.

  • Pulling credit report and Early Warning for new account
  • Is a credit report pulled when a new membership account is applied for to join the credit union?
    Yes, a credit report is pulled from the credit bureau Equifax for new members when opening a membership. We will also run an
    Early Warning report to determine qualification for membership for the applicant.

    Will pulling my credit to join the credit union affect my credit score?

    An inquiry to your credit report may or may not affect your credit score.

    Can I still apply for membership if I have a freeze on my credit?

    If your credit has been frozen you will need to contact the credit bureau used to freeze the credit report and arrange to have the report made available to pull before submitting an application.

  • Minimum age child can have a Savings/Checking Account
  • At what age can my minor child have a Savings and/or Checking Account, and do I need to be a joint owner? Can someone else be joint on my child's account besides a parent?

    A child under the age of eighteen may have a Savings Account as long as they have an adult as a joint owner on the account. The adult may be a non-guardian however, the parent or guardian must sign to allow the account to be opened. The Sandy Savers Club account is specially designed for children ages 12 and under. For more information on the Sandy Savers Club account click here.

    A child of sixteen or seventeen may have a Checking Account as long as they have an adult as a joint owner on the account.

    At eighteen years of age the applicant can have Savings and Checking Account without parental consent or a joint owner.

  • APYE rates on Savings Accounts
  • Why do dividend percentages sometimes look different on some Savings Accounts that should have the same rate?
    You will notice on your statement that the dividend rate is the same on all Savings Accounts within the same tier schedule. The Annual Percentage Yield Earned shows the dollar amount of dividends as a percentage of the actual average daily balance in the account. Therefore, different accounts with different average daily balances, may have different APYEs, but be assured they are calculated from the same Dividend Rate as long as they are in the same tier. APYE is affected by deposits and withdrawals during the dividend period. APYE is the Annual Percentage Yield, which takes the dollar amount of the dividends earned as a percentage of the average daily balance. The APYE shows the relation of the dividends earned to the actual balance in the account. It is required for all periodic statements.

Ready to start a Personal Savings Account?

Open a Personal Savings Account today and watch your savings grow each month.

If you’re currently a member, check out our open an account page for more details on how to add an account.

If you’re not yet a member, open an account to sign up.

Who is this product right for?

Someone who is ready to start saving with only $5 to start.


APY = Annual Percentage Yield. Competitor products displayed are those with terms comparable to the respective Delta Community CU product. APYs are accurate as of the first day of the current month and are provided by   Consult the financial institution directly for full product terms and current rates. $5.00 opening and minimum balance required.

Important Notice: Federal regulation and our deposit agreement limit the number of withdrawals and/or transfers that may be made from a savings account by telephone/PC transfer, preauthorized transfer, check or debit card. You are limited to six (6) withdrawals and/or transfers from your savings account each monthly statement cycle by pre-authorized transfer or telephone/PC transfer (including bill payments).

Important Notice: You are accessing a secure site with confidential information which is restricted to authorized persons only. Unauthorized access or use is not permitted and constitutes a crime punishable by law. Violators will be prosecuted to the fullest extent of the law.