--- title: "Delta Schools Credit Union Rates: CDs to 3.45%, Personal 9.99%" description: "Delta Schools Credit Union rates today: savings & CDs up to 3.45% APY, personal loans from 9.99% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Delta Schools Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/california/delta-schools" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Delta Schools Credit Union Rates: CDs to 3.45%, Personal 9.99% ### Auto & vehicle rates 29 offers | Product | Published | Rate | Term / condition | Status | | **36-Month New Auto Loan (2025–2026)** auto_new_36mo | — APR | 3.990% | 36 mo · new | Standard | | **36-Month Used Auto Loan (2020–2024)** auto_used_36mo | — APR | 4.190% | 36 mo · used | Standard | | **New Vehicles Model Year 2025-2026 min loan - $20,000** auto_new_72mo | — APR | 4.740% | 72 mo · new | Standard | | **48-Month New Auto Loan (2025–2026)** auto_new_48mo | — APR | 4.740% | 48 mo · new | Standard | | **48-Month Used Auto Loan (2020–2024)** auto_used_48mo | — APR | 5.190% | 48 mo · used | Standard | | **New Vehicles Model Year 2025-2026 min loan $25,000** auto_new_84mo | — APR | 5.190% | 84 mo · new | Standard | | **Used Vehicles Model Year 2020-2024 min loan $20,000** auto_used_72mo | — APR | 5.290% | 72 mo · used | Standard | | **60-Month Used Auto Loan (2020–2024)** auto_used_60mo | — APR | 5.290% | 60 mo · used | Standard | | **Used Vehicles Model Year 2020-2024 min loan $25,000** auto_used_84mo | — APR | 5.590% | 84 mo · used | Standard | | **New Auto as low as** auto_new | — APR | 5.990% | new | Standard | | **Used Auto as low as** auto_used | — APR | 6.190% | used | Standard | | **36-Month New RV Loan (2025–2026)** rv_new_36mo | — APR | 6.790% | 36 mo · new | Standard | | **36-Month New Motorcycle Loan (2023–2024)** motorcycle_new_36mo | — APR | 6.790% | 36 mo · new | Standard | | **Classic Used Vehicles Model Year 1972 and Older** auto_used_36mo | — APR | 6.990% | 36 mo · used | Standard | | **Older Used Vehicles Model Year 2015-2019** auto_used_36mo | — APR | 7.240% | 36 mo · used | Standard | | **60-Month New Motorcycle Loan (2023–2024)** motorcycle_new_60mo | — APR | 7.290% | 60 mo · new | Standard | | **36-Month Used Motorcycle Loan (2019–2024)** motorcycle_used_36mo | — APR | 7.290% | 36 mo · used | Standard | | **60-Month New RV Loan (2025–2026)** rv_new_60mo | — APR | 7.290% | 60 mo · new | Standard | | **36-Month Used RV Loan (2019–2024)** rv_used_36mo | — APR | 7.290% | 36 mo · used | Standard | | **New Vehicles Model Year 2025-2026 min loan $45,000 A+ A Credit Tier Only** auto_new_96mo | — APR | 7.390% | 96 mo · new | Standard | | **Classic Used Vehicles Model Year 1972 and Older** auto_used_48mo | — APR | 7.540% | 48 mo · used | Standard | | **72-Month New RV Loan (2025–2026)** rv_new_72mo | — APR | 7.790% | 72 mo · new | Standard | | **60-Month Used Motorcycle Loan (2019–2024)** motorcycle_used_60mo | — APR | 7.790% | 60 mo · used | Standard | | **60-Month Used RV Loan (2019–2024)** rv_used_60mo | — APR | 7.790% | 60 mo · used | Standard | | **Classic Used Vehicles Model Year 1972 and Older** auto_used_72mo | — APR | 7.790% | 72 mo · used | Standard | | **Older Used Vehicles Model Year 2015-2019** auto_used_48mo | — APR | 8.240% | 48 mo · used | Standard | | **New RV Loan (2025–2026)** rv_new | — APR | 8.290% | new | Standard | | **72-Month Used RV Loan (2019–2024)** rv_used_72mo | — APR | 8.290% | 72 mo · used | Standard | | **Used RV Loan (2019–2024)** rv_used | — APR | 8.790% | used | Standard | Delta Schools Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 9 offers | Product | Published | Rate | Term / condition | Status | | **120-Month Share-Secured Loan** personal_secured_120mo | — APR | 3.000% | 120 mo | Standard | | **Energy Efficient Home Improvements** personal_unsecured_60mo | — APR | 6.990% | 60 mo | Standard | | **Solar (Solar loans will have a UCC Filing attached to them.)** personal_unsecured_144mo | — APR | 6.990% | 144 mo | Standard | | **Personal Line of Credit** ploc_variable | — APR | 9.000% | — | Standard | | **12-Month Signature Loan** personal_unsecured_12mo | 9.990% APR | 9.990% | 12 mo | Standard | | **36-Month Signature Loan** personal_unsecured_36mo | 10.990% APR | 10.990% | 36 mo | Standard | | **48-Month Signature Loan** personal_unsecured_48mo | 11.990% APR | 11.990% | 48 mo | Standard | | **60-Month Signature Loan** personal_unsecured_60mo | 13.990% APR | 13.990% | 60 mo | Standard | | **48-Month Personal Line of Credit** ploc_variable | — APR | 14.000% | 48 mo | Standard | Delta Schools Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Visa as low as** credit_card | — APR | 9.900% | — | Standard | | **Credit Card** credit_card | — APR | 12.000% | — | Standard | Delta Schools Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 20 offers | Product | Published | Rate | Term / condition | Status | | **IRA $0 - 5,000 ADB** ira | 0.05% APY | 0.05% | 3 mo | Standard | | **$100.01 - $5,000 ADB** cd_3mo | 0.05% APY | 0.05% | 3 mo | Standard | | **Youth Acct (Total Balance)** savings | — APY | 0.10% | — | Eligibility restricted | | **IRA $5,000.01 - 10,000 ADB** ira | 0.10% APY | 0.10% | 3 mo | Standard | | **Youth Acct (Total Balance)** cd_3mo | 0.10% APY | 0.10% | 3 mo | Eligibility restricted | | **IRA over $10,000.01 ADB** ira | 0.20% APY | 0.20% | 3 mo | Standard | | **Summer Fund Account** cd_3mo | 1.89% APY | 1.89% | 3 mo | Standard | | **IRA 1 Year CD $1,000 Min.** ira_cd_12mo | — APY | 2.39% | 12 mo | Standard | | **IRA 3 Year CD $1,000 Min.** ira_cd_36mo | — APY | 2.49% | 36 mo | Standard | | **IRA 5 Year CD $1,000 Min.** ira_cd_60mo | — APY | 2.59% | 60 mo | Standard | | **5 Year CD* $1,000 Min.** cd_60mo | — APY | 2.59% | 60 mo | Standard | | **IRA 2 Year CD $1,000 Min.** ira_cd_24mo | — APY | 2.69% | 24 mo | Standard | | **4 Year CD* $1,000 Min.** cd_48mo | — APY | 2.89% | 48 mo | Standard | | **IRA 4 Year CD $1,000 Min.** ira_cd_48mo | — APY | 2.89% | 48 mo | Standard | | **3 Year CD* $1,000 Min.** cd_36mo | — APY | 2.89% | 36 mo | Standard | | **2 Year CD $1,000 Min.** cd_24mo | — APY | 2.99% | 24 mo | Standard | | **Save to Win** savings | — APY | 3.39% | — | Standard | | **1 Year CD $1,000 Min.** cd_12mo | — APY | 3.39% | 12 mo | Standard | | **6 Month CD $1,000 Min.** cd_6mo | — APY | 3.39% | 6 mo | Standard | | **Save to Win** savings | 3.45% APY | 3.39% | — | Standard | Delta Schools Credit Union savings & cd rates as of November 12, 2026 ### Other rates 1 offer | Product | Published | Rate | Term / condition | Status | | **STS Short Term Pay Day Alternative** other | 28.000% % | 28.000% | — | Standard | Delta Schools Credit Union other rates as of November 12, 2026 Personal loan rates from 9.99% APR. Savings and certificate yields up to 3.45% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/california/delta-schools) , verified from [Delta Schools Credit Union's official website](https://deltaschoolsfcu.org/) Best product position **Room to improve vs. the California median** personal loan Gap to state best **699 bp** 699 bp from state best Vs. state median **1 bp behind median** personal loan Products ranked **1** across tracked California markets | Product | Published APR | Position | Vs. state best | Vs. state median | | personal loan | 9.99% | Room to improve vs. the California median | 699 bp from state best | 1 bp behind median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Delta Schools Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=delta-schools&state=california&code=CA&name=Delta%20Schools%20Credit%20Union) Loading branch locator… ## About Delta Schools Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 3K Assets $65.9M Founded 1953 Locations reported 3 NCUA charter 24492 Charter type Federal credit union ### Services and member support - Online loan application - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - Bilingual services - Student scholarships - Payday Alternative Loans I Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Antioch Community** Main Branch · Antioch · CA · 94509-1254 About 1.7 miles away](https://rateapi.dev/credit-unions/california/antioch-community) [**Travis** Hillcrest Branch · Antioch · CA · 94531 About 1.8 miles away](https://rateapi.dev/credit-unions/california/travis) [**1st Northern California** Pittsburg/Antioch · Pittsburg · CA · 94565-7113 About 1.9 miles away](https://rateapi.dev/credit-unions/california/1st-northern-california) [**Dow Great Western** Dow Great Western · Antioch · CA · 94531-6665 About 3.1 miles away](https://rateapi.dev/credit-unions/california/dow-great-western) [**Nuvision** Brentwood · Brentwood · CA · 94513 About 4.9 miles away](https://rateapi.dev/credit-unions/california/nuvision) [**Self-Help** Pittsburg · Pittsburg · CA · 94565 About 6.4 miles away](https://rateapi.dev/credit-unions/north-carolina/self-help) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Delta Schools Credit Union Membership eligibility from Delta Schools Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Delta Schools Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer Antioch Unified School District, Oakley Union Elementary School District, Brentwood Union School District, Knightsen Elementary School District, Byron Union School District - School Antioch Unified School District Verified from [Delta Schools Credit Union's membership page](https://deltaschoolsfcu.org/about-us/) . Final membership determination is always made by the credit union. ## Membership rules for Delta Schools Credit Union Geography 1 county · Employers 6 · Schools · Family 9 published paths to membership, last verified August 21, 2026, quoted from Delta Schools Credit Union’s own published criteria. ### Geography 1 Auto-verified against the source page from NCUA regulator charter records · last verified August 5, 2026 - Contra Costa County, CA “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Contra Costa County, CA; Spokane County, WA” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) ### Employers 6 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of Antioch Unified School District “Our field of membership remained the “employees and retirees of Antioch Unified School District and the members of their immediate families” until 1996.” > [source ↗](https://deltaschoolsfcu.org/about-us/) - Employee of Antioch Unified School District - Retired employee of Antioch Unified School District “Our field of membership remained the “employees and retirees of Antioch Unified School District and the members of their immediate families” until 1996.” > [source ↗](https://deltaschoolsfcu.org/about-us/) - Retiree of Antioch Unified School District - Employee of Oakley Union Elementary School District “Following the grand opening at the request of the superintendents from Oakley Union Elementary, Brentwood Union, Knightsen Elementary and Byron Union School Districts we expanded our field of membership to offer credit union benefits to these school districts.” > [source ↗](https://deltaschoolsfcu.org/about-us/) - Employee of Oakley Union Elementary School District - Employee of Brentwood Union School District “Following the grand opening at the request of the superintendents from Oakley Union Elementary, Brentwood Union, Knightsen Elementary and Byron Union School Districts we expanded our field of membership to offer credit union benefits to these school districts.” > [source ↗](https://deltaschoolsfcu.org/about-us/) - Employee of Brentwood Union School District - Employee of Knightsen Elementary School District “Following the grand opening at the request of the superintendents from Oakley Union Elementary, Brentwood Union, Knightsen Elementary and Byron Union School Districts we expanded our field of membership to offer credit union benefits to these school districts.” > [source ↗](https://deltaschoolsfcu.org/about-us/) - Employee of Knightsen Elementary School District - Employee of Byron Union School District “Following the grand opening at the request of the superintendents from Oakley Union Elementary, Brentwood Union, Knightsen Elementary and Byron Union School Districts we expanded our field of membership to offer credit union benefits to these school districts.” > [source ↗](https://deltaschoolsfcu.org/about-us/) - Employee of Byron Union School District ### Schools 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Student of Antioch Unified School District (as written on the source page) “At that time, the NCUA granted us permission to add the “students of Antioch Unified School District, members of their family and organizations of these students” to the list of people who could join our Credit Union.” > [source ↗](https://deltaschoolsfcu.org/about-us/) - Student at Antioch Unified School District ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member “Our field of membership remained the “employees and retirees of Antioch Unified School District and the members of their immediate families” until 1996.” > [source ↗](https://deltaschoolsfcu.org/about-us/) - Family member of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Delta Schools Credit Union? Yes No ## Work at Delta Schools Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Delta Schools Credit Union ranks against California peers. - See which AI assistants fetched Delta Schools Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in California - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=delta-schools&state=california&code=CA&name=Delta%20Schools%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Delta Schools Credit Union offer? Delta Schools Credit Union currently offers vehicle loan, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Delta Schools Credit Union rates updated? RateAPI verifies Delta Schools Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Delta Schools Credit Union's rate data? Rate data is collected directly from Delta Schools Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Delta Schools Credit Union's personal loan rate? As of November 12, 2026, Delta Schools Credit Union offers personal loans from 9.99% APR. ### What is Delta Schools Credit Union's best CD rate? As of November 12, 2026, Delta Schools Credit Union offers savings and certificate (CD) yields up to 3.45% APY. ### Who can join Delta Schools Credit Union? Delta Schools Credit Union publishes its membership criteria on its own website. RateAPI tracks 9 published membership paths covering 1 county, 6 employers and 1 school for Delta Schools Credit Union, each quoted from Delta Schools Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Delta Schools Credit Union's rates against national credit-union benchmarks. [More California credit unions](https://rateapi.dev/credit-unions/california) [California auto loan rate leaders](https://rateapi.dev/auto-loan-rates/california) [California personal loan leaders](https://rateapi.dev/personal-loan-rates/california) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://deltaschoolsfcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Delta Schools Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when California credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Delta Schools Credit Union curl "https://api.rateapi.dev/credit-unions/california /delta-schools " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Delta Schools Credit Union locations Search, filter, and browse all 3 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/california/delta-schools Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp