Credit union · NCUA insured
Rocket City FCU Savings Rates
Rocket City FCU’s best savings rate is 0.50% APY on $10,000, with its Regular Shares / Savings. Rates checked October 22, 2026.
How Rocket City FCU’s savings 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
0.50%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $50
Regular Shares / Savings
Top rate
SmartBank
4.00%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $400
2nd-highest rate
Avadian Credit Union
3.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $350
Rocket City FCU savings score
79
Savings score
Higher than 48% of U.S. banks and credit unions
- $1,000 balance$1,0000.45%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0000.50%
- QualifiedQualified0.50%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Regular Shares / Savings
Up to 0.50%APY
A $25.00 minimum balance in a share account provides membership; privileges of which include voting rights. monthly dividend payouts
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upRequires $100.00 ADB** to earn Dividend. Dividends compounded monthly, paid monthly. Fees could reduce earnings. | 0.45% | $45 | Requires $100.00 ADB** to earn Dividend. Dividends compounded monthly, paid monthly. Fees could reduce earnings. |
| $2,000 and upRequires $2,000.00 ADB** to earn Dividend. Dividends compounded monthly, paid monthly. Fees could reduce earnings. | 0.50% | $50 | Requires $2,000.00 ADB** to earn Dividend. Dividends compounded monthly, paid monthly. Fees could reduce earnings. |
Education Fund
0.45%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceCompounded Quarterly, Paid Quarterly. Fees could reduce earnings.Any balance | 0.45% | $45 | Compounded Quarterly, Paid Quarterly. Fees could reduce earnings. |
Sources (1)
- rocketcityfcu.org/rates.php · captured Oct 15, 2026
Loan Escrow Account
0.45%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded monthly, paid monthly. Fees could reduce earnings.Any balance | 0.45% | $45 | Dividends compounded monthly, paid monthly. Fees could reduce earnings. |
Sources (1)
- rocketcityfcu.org/rates.php · captured Oct 15, 2026
Loan Payment Shares
0.45%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded monthly, paid monthly. Fees could reduce earnings.Any balance | 0.45% | $45 | Dividends compounded monthly, paid monthly. Fees could reduce earnings. |
Sources (1)
- rocketcityfcu.org/rates.php · captured Oct 15, 2026
Special-purpose accounts
IRA Shares
0.50%APY
Both certificates of deposit and IRA share accounts (Roth and Traditional) are available. Deposits are accepted up to the maximum allowed by law each year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded monthly, paid monthly. Fees could reduce earnings.Any balance | 0.50% | $50 | Dividends compounded monthly, paid monthly. Fees could reduce earnings. |
Christmas Club
0.45%APY
Offer a convenient way to save money for specific purposes with monthly dividend payout. $5.00 minimum balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded monthly, paid monthly. Fees could reduce earnings.Any balance | 0.45% | $45 | Dividends compounded monthly, paid monthly. Fees could reduce earnings. |
Vacation Club
0.45%APY
Offer a convenient way to save money for specific purposes with monthly dividend payout. $5.00 minimum balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded monthly, paid monthly. Fees could reduce earnings.Any balance | 0.45% | $45 | Dividends compounded monthly, paid monthly. Fees could reduce earnings. |
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.