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
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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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