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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
DELTA REFINING CO EMP Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 14, 2026
You can compare DELTA REFINING CO EMP rates to other rates in our database, including 12-month share certificate rates currently at 0.20%, 6-month share certificate rates at 3.53% and 3-month share certificate rates at 3.75%. Savings rates are at 0.10% and money market rates are at 1.06%. Mortgage rates on 30-year fixed loans are around 6.04%. All these rates can be compared to DELTA REFINING CO EMP rates. MonitorBankRates evaluates the financial stability of DELTA REFINING CO EMP with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.25%. Rates were last updated on 04/14/2026. DELTA REFINING CO EMP money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at DELTA REFINING CO EMP? Share your experience about DELTA REFINING CO EMP by leaving a review below, or read customer reviews before you decide to use DELTA REFINING CO EMP. Commercial Bank West Liberty, KY
Delta Refining Credit Union 2385 Riverport Rd
Memphis, TN 38109 
Current Rate AvailabilityWe do not have DELTA REFINING CO EMP rates right now, but we are constantly updating our database so check back often for updated rates. Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for DELTA REFINING CO EMP is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather DELTA REFINING CO EMP rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with DELTA REFINING CO EMP's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
DELTA REFINING CO EMP
Address
2385 Riverport Rd,
Memphis, TN 38109
Phone
901-775-8814
Fax
901-942-6654
President
John Ragar
CEO
Terrie Snavely
Full-Time Employees
0
Part-Time Employees
4
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.25%
Return on Assets (ROA)
0.2336%
Return on Equity (ROE)
1.0472%
Non-Performing Loans Ratio (NPL)
2.63%
Total Assets
4,574,969
Total Amount of Shares and Deposits
3,537,422
Total Shares and Deposits < 1 Year
3,537,421
Total Insured Shares and Deposits > $250K (item 17 less item K)
3,537,422
Total Interest Expense (Sum of items 6 8)
70,493
Share Certificates
16
Number of Accounts for Regular Shares
324
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
520,425
Total Liabilities
3,554,465
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About DELTA REFINING CO EMPIs DELTA REFINING CO EMP a safe place to deposit money?Yes, DELTA REFINING CO EMP is considered a safe financial institution. With a Texas Ratio of 3.2548375459576%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does DELTA REFINING CO EMP operate?DELTA REFINING CO EMP currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join DELTA REFINING CO EMP?Yes, to access services at DELTA REFINING CO EMP, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, DELTA REFINING CO EMP does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, DELTA REFINING CO EMP provides members with tools to manage their accounts and build a solid financial history. Does DELTA REFINING CO EMP offer online and mobile banking?Most modern institutions like DELTA REFINING CO EMP provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. Compare to Other Credit Unions
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