Rates & Fees
Loans Savings Certificates Fee Schedule
Effective as of: October 1, 2025
| 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. | |||
| Loan Type | Interest Rate % | APR* % | Max Term (Months) |
| Auto New and Used (as low as) | 5.30 | 5.300 | 60 |
| Auto New and Used (as low as) | 6.30 | 6.300 | up to 84 |
| Motorcycle (as low as) | 6.25 | 6.250 | 60 |
| Motorcycle (as low as) | 7.25 | 7.250 | 72 |
| Boat (as low as) | 6.50 | 6.500 | 60 |
| Boat (as low as) | 7.50 | 7.500 | up to 120 |
| Camper, Travel Trailer, Recreational Vehicle (as low as) | 6.50 | 6.500 | 60 |
| Camper, Travel Trailer, Recreational Vehicle (as low as) | 7.50 | 7.500 | up to 120 |
| Equipment (as low as) | 6.50 | 6.500 | 60 |
| Equipment (as low as) | 7.50 | 7.500 | up to 120 |
| Tornado Shelter (as low as) | 6.50 | 6.500 | 48 |
| All Season (as low as) | 6.99 | 6.990 | 12 |
| Personal (as low as) | 9.25 | 9.250 | 48 |
| Credit Builder | 18.00 | 18.000 | 12 or 24 |
| Overdraft | 15.00 | 15.000 | 12 |
| Share/ Share Certificate Secured | See Loan Officer for rate | ||
| VISA Credit Card ~with Score Card Rewards~ | 9.75 | 9.750 | N/A |
| Rocket Loans (PAL) | 28.00 | 28.000 | 12 |
| Loyal American Insurance | 15.00 | 15.000 | 12 |
| *APR = Annual Percentage Rate | |||
| As low as rates will be based upon credit worthiness. Posted rates shown are not available for all terms. | |||
| The max term is provided to disclose the term we use to calculate payments for Rocket City Federal Credit Union's open-end loan products. | |||
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