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Advertiser Disclosure
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 Rocket City Federal Credit Union Rates & Review October 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.
Read Full Bio →
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 and Verified: October 28, 2026
Rocket City Federal Credit Union's 6 Month Jumbo CDs rates are at 3.10%, 12 Month Jumbo CDs rates are at 3.00%, 6 Month CDs rates are at 3.00%, 12 Month CDs rates are at 2.90%, 18 Month IRA CDs rates are at 2.90%. Rocket City Federal Credit Union's savings rates are at 0.50%. Rocket City Federal Credit Union's checking rates are as high as 0.05%. Rocket City Federal Credit Union's Personal Loan Rates are as low as 9.25%. Rocket City Federal Credit Union's Credit Card Rates are at 9.75%. MonitorBankRates evaluates the financial stability of Rocket City Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.43%. Rates last updated and verified on 10/28/2026. Rocket City Federal Credit Union 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 Rocket City Federal Credit Union? Share your experience about Rocket City Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Rocket City Federal Credit Union. Rocket City Federal Credit Union
Rocket City Federal Credit Union 2200 Clinton Ave W
https://www.rocketcityfcu.org Huntsville, AL 35805-3000  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Rocket City Federal Credit Union CD Rates
Rocket City Federal Credit Union Savings Rates
Rocket City Federal Credit Union Checking Rates
Rocket City Federal Credit Union Auto Loan Rates
Rocket City Federal Credit Union RV, Boat and Powersport Loan Rates
Rocket City Federal Credit Union Credit Card Rates
Rocket City Federal Credit Union Personal Loan Rates
Rocket City Federal Credit Union Other Rates
Financial Health HistoryRocket City Federal Credit Union’s Texas Ratio fell from 1.50% in Q3 2023 to 0.43% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Rocket City Federal Credit Union 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 Rocket City Federal Credit Union 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 Rocket City Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Rocket City Federal Credit Union
Website
https://www.rocketcityfcu.org
Address
2200 Clinton Ave W,
Huntsville, AL 35805-3000
Phone
256-533-0541
Fax
256-533-4248
President
Larry Smith
CEO
Stephanie Moore
Full-Time Employees
11
Part-Time Employees
2
Branch Locations
1
ATM Locations
1
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.43%
Return on Assets (ROA)
0.7259%
Return on Equity (ROE)
4.2085%
Non-Performing Loans Ratio (NPL)
0.17%
Total Assets
69,112,764
Total Amount of Shares and Deposits
57,356,910
Total Shares and Deposits < 1 Year
55,359,221
Total Shares and Deposits 1 3 Years
1,955,277
Total Shares and Deposits > 3 Years
42,412
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,086,019
Total Uninsured Shares and Deposits > $250K (F+J)
1,086,019
Total Insured Shares and Deposits > $250K (item 17 less item K)
56,270,891
Total Interest Expense (Sum of items 6 8)
245,267
Share Certificates
170
Number of Accounts for Share Drafts
2,631
IRA KEOGH Accounts
127
Number of Accounts for Regular Shares
4,476
All other shares
954
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
10,189,577
Total Liabilities
57,646,614
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Add Your Rating and Review for Rocket City Federal Credit Union
Frequently Asked Questions About Rocket City Federal Credit UnionDoes Rocket City Federal Credit Union offer CDs?Yes. Rocket City Federal Credit Union offers share certificates (CDs) with fixed interest rates across multiple term lengths. CD rates verified by MonitorBankRates as of October 28, 2026 include 3.10% APY on its 6 Month Jumbo CDs, 3.00% APY on its 12 Month Jumbo CDs and 3.00% APY on its 6 Month CDs. Are CDs from Rocket City Federal Credit Union NCUA insured?Yes. Rocket City Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Rocket City Federal Credit Union?The highest CD rate MonitorBankRates has verified for Rocket City Federal Credit Union is 3.10% APY on its 6 Month Jumbo CDs, as of October 28, 2026. What CD terms does Rocket City Federal Credit Union offer?The Rocket City Federal Credit Union CD terms MonitorBankRates tracks include 6 month, 12 month, 18 month and 2 year terms, with rates from 2.90% to 3.10% APY. The institution may offer other terms or specials that are not listed here, so check with Rocket City Federal Credit Union for its full lineup. What is the highest savings rate at Rocket City Federal Credit Union?The highest savings rate MonitorBankRates has verified for Rocket City Federal Credit Union is 0.50% APY on its Regular Shares / Savings, as of October 28, 2026. What is the highest checking rate at Rocket City Federal Credit Union?The highest checking rate MonitorBankRates has verified for Rocket City Federal Credit Union is 0.05% APY on its Share Draft / Checking, as of October 28, 2026. What is the lowest auto loan rate at Rocket City Federal Credit Union?The lowest auto loan rate MonitorBankRates has verified for Rocket City Federal Credit Union is 5.00% rate on its Auto New and Used, as of October 28, 2026. What is the lowest personal loan rate at Rocket City Federal Credit Union?The lowest personal loan rate MonitorBankRates has verified for Rocket City Federal Credit Union is 9.25% rate on its Personal Loan, as of October 28, 2026. What is the lowest credit card APR at Rocket City Federal Credit Union?The lowest credit card rate MonitorBankRates has verified for Rocket City Federal Credit Union is 9.75% rate on its VISA Credit Card with Score Card Rewards, as of October 28, 2026. How many branches does Rocket City Federal Credit Union operate?Rocket City Federal Credit Union 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 Rocket City Federal Credit Union?Yes, to access services at Rocket City Federal Credit Union, 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, Rocket City Federal Credit Union 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, Rocket City Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Rocket City Federal Credit Union offer online and mobile banking?Most modern institutions like Rocket City Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.rocketcityfcu.org. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Rocket City Federal Credit Union rates compare?Rocket City Federal Credit Union's top rates are 3.10% APY on its 6 Month Jumbo CDs, 0.50% APY on its Regular Shares / Savings, 0.05% APY on its Share Draft / Checking, 9.25% APR on its Personal Loan and 9.75% APR on its VISA Credit Card with Score Card Rewards, verified by MonitorBankRates on October 28, 2026. Current Rocket City Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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