Savings Accounts

Rates

Savings Accounts Rates

Delta Community Credit Union’s Savings Accounts dividend rates.

Tier Rate	Rate	APY*
$0.01 and up	0.25%	0.25%	Tier Rate: $0.01 and up Rate: 0.25% APY*: 0.25%

View Current IRA/Savings/Checking Disclosure Supplement

Minimum Opening Deposit: $5.00
Minimum Balance: $5.00
^*APY = Annual Percentage Yield. Rates may vary after account is opened. Fees may reduce earnings.

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

Company	Product Name	APY*
Delta Community	Savings Account	0.25%	Company Delta Community Product Name Savings Account APY* 0.25%

Company	Product Name	APY*
Chase Bank	Chase Savings	0.01%	Company Chase Bank Product Name Chase Savings APY* 0.01%
Wells Fargo	Way2Save	0.01%	Company Wells Fargo Product Name Way2Save APY* 0.01%

View Current IRA/Savings/Checking Disclosure Supplement

Minimum Opening Deposit: None
Minimum Balance: $0.00

*APY = Annual Percentage Yield. APYs are accurate as of the first day of the current month and are subject to change. Consult the financial institution directly for full product terms and current rates. Rates provided by MyBankTracker.com.

Fees

Personal Savings Accounts Fees

With Delta Community Credit Union’s Personal Savings Accounts there are no monthly fees.

Fee Type	Amount
Monthly Fee	$0.00	Fee Type: Monthly Fee Amount: $0.00
Overdraft Transfer from Deposit Accounts	$3.00	Fee Type: Overdraft Transfer from Deposit Accounts Amount: $3.00
Non-Sufficient Funds (NSF) Fee (includes ACH overdraft) 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 per presentment	Fee Type: Non-Sufficient Funds (NSF) Fee (includes ACH overdraft) Amount: $15 per presentment 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.
Inactive Account Fee or Low Balance Fee Inactive Account - If the total of your combined account balances (deposit and loan) falls below $60 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.	$5.00 per month/$0 for account owners under 18 years of age	Fee Type: Inactive Account Fee or Low Balance Fee Amount: $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 $60 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.
Non-Network ATM Fee 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 per transaction	Fee Type: Non-Network ATM Fee Amount: $2 per 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.

Transfer - Online transfers can be completed within Online Banking under the Transfer tab. Learn more about Online Member to Member Transfers.
Online Banking - If you need assistance completing a transfer, you can submit a secure request within Online Banking from Contact Us under Additional Services.
Fax - You can submit a fax request to 404-677-4781 Attn: Operations Support Advisors requesting funds be transferred to another members account. Be sure to include your signature on the request.
By Mail - Make a check or money order payable to Delta Community and on the back write "For Deposit Only" along with the minors account number and include a deposit slip. Print a deposit slip or if unable to print, attach a note stating the Youth Savings account number. Use our mailing address for deposits.

Can my child get an ATM card on his/her Youth Savings Account?

Yes. Online Banking users may send a request from Contact Us under Additional Services, by fax to 404-677-4825, Attn Card Services or by mail to Delta Community, Attn Card Services, PO Box 20541, Atlanta, GA 30320-2541.

Can I access my child's Youth Savings Account online?

The parent or guardian listed as joint owner can access their minor child's account online. Please follow the steps necessary to sign up for Online Banking access to your minor's account.

Check out the Youth & Child Savings Accounts for more details.

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. The Additional Savings Account earns the same dividend rate as does your Primary Savings.

Can I open an Additional Savings Account online?

Yes, to open an Additional Savings account online, simply login to your online banking account, then click on Add an Account from the Additional Services tab.

If you are not an Online Banker and the account ownership will mirror your primary savings, call us at 800-544-3328 to request Savings Account.

Alternatively, you call us at 800-544-3328 to open your Additional Savings Account, or you can complete the Membership Application and return the form by mail, fax or stopping by your local branch.

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.

Can the joint owner of a minor's Youth Savings 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.

Can I use an ATM or Visa Debit Card to withdraw funds from my Additional Savings Account?

Yes, your ATM card can be used to access funds from your Additional Savings Account.

If you would like your Additional Savings Account linked to your ATM or Debit Card, please call us at 800-544-3328 or send us a message by clicking Contact Us on the Additional Services tab with Online Banking.

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

Call the Interactive Voice Response (IVR) Line at 800-544-3328
Log into Online Banking and click Make a Transfer on the Transfers tab
Fax request to 404-677-4789 attn: Operations Support Advisors
Transacting with a Branch teller
Send us a message by clicking Contact Us on the Additional Services tab within Online Banking

Learn more about the IVR self service feature.

To set up Online Banking access, click Online Banking Enrollment from the Delta Community homepage.

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 1234XXXX, you would list it as 1234XXXX-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.

Can I use my Additional Savings Account as overdraft protection for my Checking Account?

Yes, your Additional Savings Account can be used as overdraft protection for your Checking Account. See our checking account disclosure supplement for further information regarding overdraft protection fees.

To add, delete or change the order of the overdraft protection, complete one of the following:

Send us a request from Online Banking using Contact Us located under Additional Services
Mail or Fax a signed request or Overdraft Protection Update form to:
- Delta Community Credit Union
  Attn: Deposit Services
  PO Box 20541
  Atlanta, GA 30320-2541
  Fax: 404-677-4802
Visit a Delta Community Credit Union branch location
Call Delta Community's Member Care Center at 800-544-3328 and provide a verbal request

What is a Coverdell Education Savings Account (Coverdell ESA)?

A Coverdell Education Savings Account (Coverdell ESA) is an account established to pay qualified education expenses for the designated beneficiary (owner of the account). Funds can be withdrawn tax-free for college expenses, as well as qualified education expenses for elementary and secondary education. Qualified education expenses include, but are not limited to, tutoring, tuition, books and home computers. The annual contribution limit for a Coverdell ESA is $2000.00 per year, per child. The beneficiary must be under the age of 18 to receive contributions to the Coverdell ESA, unless the child has special needs. Funds in the Coverdell ESA must be used by the time the individual has reached age 30, unless the individual has special needs. A Coverdell ESA is opened under the child’s own membership, and must have a parent or legal guardian listed as the responsible individual on the account. Refer to IRS Publication 970 for additional information regarding Coverdell ESAs, including a complete list of qualified education expenses.

What are the benefits of a Health Savings Account (HSA)?

A few benefits of a Health Savings Account are:

HSA earnings are tax-deferred, or tax-free when used for qualified medical expenses
HSAs may be used to pay qualified medical expenses with pre-tax dollars
HSA balances are carried over year-to-year.
Starting at age 65 unused HSA funds may be used penalty-free as taxable retirement income
Upon death, HSA assets become property of the beneficiary (A spouse may treat the assets as his/her own HSA. For a non-spouse beneficiary, inherited HSA assets are treated as ordinary taxable income.)

Who is eligible to participate to a Health Savings Account (HSA)?

Members must have their own primary membership to open an HSA at Delta Community Credit Union.
No joint owners are allowed on HSAs, but HSAs may have an Authorized Signer. In addition, Single and Family HSAs may have beneficiaries.
Eligibility is determined on a monthly basis. On the first day of the month, the HSA holder:
- Must be covered by a high deductible health plan (HDHP)
- May not be covered by any health plan that is not a HDHP
- May not be enrolled in the federal government's Medicare program
- May not be claimed as a dependent on another person's tax return

What is the contribution deadline for an HSA?

The deadline to contribute to an HSA for the previous tax year is the tax return deadline (usually April 15^th, but the date may vary).

HSA Contribution Limits

Tax Year	HSA Type	Annual Contribution Limit	"Catch-Up" Contributions Owner is 55 or older
2024	Single	$4,150	$1,000 ($5,150 total)
2024	Family	$8,300	$1,000 ($9,300 total)
2023	Single	$3,850	$1,000 ($4,850 total)
2023	Family	$7,750	$1,000 ($8,750 total)

For more information, visit the IRS website.

How can I contribute to my HSA?

You can contribute to an HSA through Online Banking or our Mobile App. Contributions you make through Online Banking may be made for the current year or the previous year. Previous year contributions must be made prior to the tax return deadline for that year and can only be made within Online Banking from a web browser; this is not available within Delta Community’s Mobile App.

You may also submit a request that Delta Community make the contribution(s) for you by completing the HSA deposit forms. BAll forms must be completed, signed and must indicate the tax year for which the contribution is being made.

On the HSA Contribution Eligibility form in Part 3. Contribution Type Eligibility Requirements, all four (4) statements under the heading: Regular must be true and all four (4) boxes marked with a check or “X” mark certifying eligibility to contribute to an HSA.

Return the completed forms in person at a branch, by mail, by fax or upload through Online Banking. For your convenience, the address and phone number appear under Part 2 on the forms.

To upload the forms, follow the steps below:

Log into Online Banking and select Contact Us under Additional Services.
Select Messages to create a New Message.
In the subject add “Attention IRA Department” and in the Description, include the names of the forms.
Attach the files before submitting the message.

How can I access my HSA funds?

Withdrawals from an HSA account can be done using different methods including:

ATMs
Checks
Debit Cards
In branch withdrawal with a Member Service Agent
Online Banking
Mobile Banking App

ACH to HSA Account - Code as Checking Account

If you request to deposit electronically (ACH) to your Health Savings Account, you will need to advise the company or financial institution to code it as a Checking Account and not as a Savings Account. This is due to HSA Accounts having check writing capabilities.

What happens to the money in my HSA if I lose my HDHP (High Deductible Health Plan) coverage?

When coverage under a HDHP is lost, funds deposited into your HSA remain in your account and automatically carry over from one year to the next. You may continue to use the HSA funds for qualified medical expenses. If you are no longer enrolled in a high deductible health plan, you are not eligible to contribute additional funds to an HSA. If you regain HDHP coverage at a later date, you may begin making contributions to your HSA again. Call Delta Community’s IRA/HSA Department at 404-677-4600 to advise that you are no longer covered under a HDHP.

If you regain HDHP coverage at a later date, you may be eligible to make prorated contributions to your HSA again.

If you are not covered by an HDHP for the entire year, the annual contribution limit may be prorated. It is recommended to consult a tax professional to determine the maximum contribution allowed for the tax year.

What are qualified medical expenses for Health Savings Accounts (HSAs)?

Qualified medical expenses for HSAs include, but are not limited to, the following:

Medical expenses including doctor visits, prescriptions, transportation to get medical and dental care
Long term care services
Health coverage when unemployed
Certain continuation of benefit health care coverage
Certain health insurance after age 65

Refer to IRS Publication 502: Medical and Dental Expenses for a complete list of qualified medical expenses. It is recommended to consult a tax professional to determine if a medical expense is considered qualified.

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 (sometimes abbreviated as APYE) 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. The APYE shows the relation of the dividends earned to the actual balance in the account. It is required for all periodic statements.

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Personal Savings Accounts

Overview & Benefits

Saving for something extra special?

Routing Number

Rates

Savings Accounts Rates

Compare Rates

Compare Personal Savings Accounts Rates

Fees

Personal Savings Accounts Fees

Apply Now

Open a Savings Account Now

Personal Savings Accounts

Overview & Benefits

Saving for something extra special?

Routing Number

Personal Deposit Products and Services

Rates

Savings Accounts Rates

Compare Rates

Compare Personal Savings Accounts Rates

Fees

Personal Savings Accounts Fees

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You'll Find These Helpful

Youth Savings Account FAQs

When are the Youth Savings Kits mailed out for new accounts?

How can I make a deposit into a minor's Savings Account?

Can my child get an ATM card on his/her Youth Savings Account?

Can I access my child's Youth Savings Account online?

Additional Savings Account FAQs

What is the benefit of an Additional Savings Account?

Can I open an Additional Savings Account online?

Can I open more than one Additional Savings Account?

Is there a minimum deposit required for the Additional Savings Account?

Can the joint owner of a minor's Youth Savings Account request to open an Additional Savings Account?

Can I use an ATM or Visa Debit Card to withdraw funds from my Additional Savings Account?

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

Can I set up an ACH for direct deposit into my Additional Savings Account?

Can I use my Additional Savings Account as overdraft protection for my Checking Account?

Coverdell Educational Savings Accounts

What is a Coverdell Education Savings Account (Coverdell ESA)?

Health Savings Account (HSA)

What are the benefits of a Health Savings Account (HSA)?

Who is eligible to participate to a Health Savings Account (HSA)?

What is the contribution deadline for an HSA?

HSA Contribution Limits

How can I contribute to my HSA?

How can I access my HSA funds?

ACH to HSA Account - Code as Checking Account

What happens to the money in my HSA if I lose my HDHP (High Deductible Health Plan) coverage?

What are qualified medical expenses for Health Savings Accounts (HSAs)?

APYE rates on Savings Accounts

Why do dividend percentages sometimes look different on some Savings Accounts that should have the same rate?

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