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Rates










Rates effective as of 07/04/2009 **

Loans | Savings | Certificates

 

Rates are subject to change.
Rates do not apply to in house refinancing
To inquire about our Low Mortgage Rates, please contact the credit union.

 

Loans

Rate

APR*

Approximate

Term*

 
Automobiles New/Used        ** As Low As**   5.250 5.250 Up to 60 Calculator
Automobiles New/Used  (72 months)      **As Low As** 6.250 6.250 72 Calculator
Motorcycle Loans - New/Used   **As Low As**   5.800  5.800 

 60

Calculator 
Boat/Motor/Trailers - New/Used     **As Low As** 7.000 7.000 60 Calculator
Travel Trailers,Camper, or Motor Homes under $15,000.00 - New/Used   **As Low As 7.250 7.250 72 Calculator
Travel Trailers,Campers, or Motor Homes over $15,000.00 - New/Used    ** As Low As 7.250 7.250 120 Calculator
Yacht or Houseboat over 18' - New/Used  ** As Low As** 8.000 8.000 60 Calculator
Yacht or Houseboat under 18' - New/Used  **As Low As** 8.000 8.000 120 Calculator
Equipment Loans                   **As Low As** 8.750 8.750 Up to 120  Calculator
Vacation Loans   (seasonal) 9.950 9.950 12 Calculator
Christmas Loans  (seasonal) 9.950 9.950 12 Calculator
Personal Loans       **As Low As** 9.990 9.990 48 Calculator
Overdraft Loans for Checking Accounts 15.000 15.000 12 Calculator
Shares Secured Loans 5.100 5.100 48 Calculator
VISA Card 9.750 9.750 n/a Calculator

 

*APR = Annual Percentage Rate
** As low as rates will be based upon credit worthiness.  Posted rates shown are not available for all terms.

              * The approximate term is provided to disclose the term we use to calculate payments for Rocket City Federal Credit Union's open-end loan products.

Disclosures
Go To Loan Application | Go To Calculators | Back to Top
 


All dividends computed using Average Daily Balance ( ADB ). Rates are subject to change.

 

Savings*** Dividend Rate APY* Term
Regular Shares - Savings (Requires $2,000.00 ADB to earn dividend) 1.500 1.510 n/a
Regular Shares - Savings (Requires $100.00 ADB to earn Dividend) 1.000 1.000 n/a
Share Draft - Checking (Requires $2000.00 ADB to earn Dividend) 0.250 0.250 n/a
Christmas Club 1.100 1.110 n/a
Vacation Club 1.100 1.110 n/a
Education Fund (Compounded Quarterly, Paid Quarterly) 1.100 1.110 n/a
Loan Payment Shares 1.100 1.110 n/a
Loan Escrow Account 1.100 1.110 n/a

 

*APY = Annual Percentage Yield

Dividends compounded monthly, paid monthly


Disclosures
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All Dividends computed using Average Daily Balance (ADB). Rates are subject to change.

 

Certificates Dividend Rate APY* Term Min to open & earn dividend
Share Certificates 1.750 1.760 6 $1000
Share Certificates 1.800 1.810 12 $1000
Share Certificates 1.900

1.91

18 $1000
Share Certificates 2.000 2.020 24 $1000
Share Certificates 2.100 2.120 36 $1000
Jumbo Share Certificates 1.800 1.810 6 $100,000

Jumbo Share Certificates

1.850 1.860 12 $100,000
Jumbo Share Certificates

1.950

1.960 18 $100,000
Jumbo Share Certificates 2.050 2.070 24 $100,000
Jumbo Share Certificates 2.150 2.170 36 $100,00
IRA shares 1.500 1.510 n/a  
IRA Share Certificates 2.100 2.120 18  $800 
IRA Share Certificates 2.250 2.270 24  $800
IRA Share Certificates

2.750

2.780 36  $800
*Each additional $100,000.00 increment increases rate by .05%        

 

*APY = Annual Percentage Yield
Dividends compounded quarterly, paid quarterly.
Disclosures
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*** Minimum balance to earn the advertised annual percentage yield (this applies if there is a minimum balance requirement for Christmas Club, Vacation Club, Education Fund, Loan Shares, and Loan Account)

*** Minimum opening deposit (required if it is greater than the minimum balance necessary to earn the advertised annual percentage yield.)

*** Fees could reduce the earnings on an account.

*** Penalty may be imposed for early withdrawal. 

 

 

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