Credit union · NCUA insured
Rocket City FCU CD Rates
Rocket City FCU’s best CD rate is 3.10% APY on a 6-month share certificate (CD). Terms run from 6 months to 4 years. Rates checked October 22, 2026.
How Rocket City FCU’s CD rates compare
Compared with banks and credit unions near Huntsville, AL, where Rocket City FCU has the most branches. $10,000, best rate first.
This credit union’s best
Rocket City FCU
3.00%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $149
Share Certificates
Top rate
First Jackson Bank
5.01%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,769
2nd-highest rate
Local Bank
4.40%APY
- Term
- 13 months
- Minimum
- $2,500
- Earns on $10,000
- $478
Rocket City FCU CD score
66
CD score
Higher than 17% of U.S. banks and credit unions
- 3–8 months3–8 mo3.00%
- 9–15 months9–15 mo2.90%
- 16–30 months16–30 mo2.80%
- 31–60 months31–60 mo2.60%
- QualifiedQualified3.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Rocket City FCU ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Jumbo Share Certificates
Up to 3.10%APY · 6 terms
After the first $100,000 each additional $100,000 increment increases rate by 0.05%. Dividends compounded quarterly, paid quarterly. Penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsAfter the first $100,000 each additional $100,000 increment increases rate by 0.05%. Dividends compounded quarterly, paid quarterly. Penalty may be imposed for early withdrawal | 3.10% | — |
| 12 monthsAfter the first $100,000 each additional $100,000 increment increases rate by 0.05%. Dividends compounded quarterly, paid quarterly. Penalty may be imposed for early withdrawal | 3.00% | — |
| 18 monthsAfter the first $100,000 each additional $100,000 increment increases rate by 0.05%. Dividends compounded quarterly, paid quarterly. Penalty may be imposed for early withdrawal | 2.90% | — |
| 24 monthsAfter the first $100,000 each additional $100,000 increment increases rate by 0.05%. Dividends compounded quarterly, paid quarterly. Penalty may be imposed for early withdrawal | 2.80% | — |
| 36 monthsAfter the first $100,000 each additional $100,000 increment increases rate by 0.05%. Dividends compounded quarterly, paid quarterly. Penalty may be imposed for early withdrawal | 2.70% | — |
| 48 monthsAfter the first $100,000 each additional $100,000 increment increases rate by 0.05%. Dividends compounded quarterly, paid quarterly. Penalty may be imposed for early withdrawal | 2.70% | — |
Sources (1)
- rocketcityfcu.org/rates.php · captured Sep 19, 2026
Share Certificates
Up to 3.00%APY · 6 terms
Dividends compounded quarterly, paid quarterly. Penalty may be imposed for early withdrawal. Minimum $1000.00 balance.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends compounded quarterly, paid quarterly. Penalty may be imposed for early withdrawal | 3.00% | $149 |
| 12 monthsDividends compounded quarterly, paid quarterly. Penalty may be imposed for early withdrawal | 2.90% | $290 |
| 18 monthsDividends compounded quarterly, paid quarterly. Penalty may be imposed for early withdrawal | 2.80% | $423 |
| 24 monthsDividends compounded quarterly, paid quarterly. Penalty may be imposed for early withdrawal | 2.70% | $547 |
| 36 monthsDividends compounded quarterly, paid quarterly. Penalty may be imposed for early withdrawal | 2.60% | $800 |
| 48 monthsDividends compounded quarterly, paid quarterly. Penalty may be imposed for early withdrawal | 2.60% | $1,081 |
Special-purpose accounts
IRA Share Certificates
Up to 2.90%APY · 4 terms
Includes Roth, Traditional, Simple, or Educational. Deposits are accepted up to the maximum allowed by law each year. Dividends compounded quarterly, paid quarterly. Penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsIncludes Roth, Traditional, Simple, or Educational. Dividends compounded quarterly, paid quarterly. Penalty may be imposed for early withdrawal | 2.90% | $438 |
| 24 monthsIncludes Roth, Traditional, Simple, or Educational. Dividends compounded quarterly, paid quarterly. Penalty may be imposed for early withdrawal | 2.80% | $568 |
| 36 monthsIncludes Roth, Traditional, Simple, or Educational. Dividends compounded quarterly, paid quarterly. Penalty may be imposed for early withdrawal | 2.70% | $832 |
| 48 monthsIncludes Roth, Traditional, Simple, or Educational. Dividends compounded quarterly, paid quarterly. Penalty may be imposed for early withdrawal | 2.70% | $1,125 |
Who can join Rocket City FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees or members of one of Rocket City Federal Credit Union's Selected Employer Groups (including the City of Huntsville, Madison County, Huntsville Utilities, and listed partner organizations) are eligible for membership.
Family and household
- Individuals who have a family member who is already a member of Rocket City Federal Credit Union are eligible for membership.
Cost to join
- Joining requires two forms of identification and a $25.00 share stake deposit.
Membership information collected October 4, 2026.