Financial Calculators
Make informed financial decisions with our comprehensive suite of calculators. Compare rates and terms from top credit unions.
Our Financial Calculators
Use these tools to estimate payments, compare options, and find the best credit union for your needs.
Mortgage Calculator
Auto Loan Calculator
Savings Calculator
Retirement Calculator
Debt Payoff Calculator
Mortgage Payment Calculator
Mortgage Payment Calculation Results
Based on your inputs, here are the estimated monthly payments:
Principal & Interest
$1,216.04
Property Tax
$250.00
Home Insurance
$100.00
PMI
$100.00
Total Monthly
$1,666.04
Total Loan Cost
$599,774.40
| Credit Union | Interest Rate | Monthly Payment | Total Interest |
|---|---|---|---|
| STCU | 4.25% | $1,180.66 | $184,237.60 |
| KFCU | 4.35% | $1,195.35 | $190,326.00 |
| Family Trust FCU | 4.40% | $1,202.76 | $192,993.60 |
| Connexuscu | 4.30% | $1,188.00 | $187,680.00 |
| Edfed | 4.50% | $1,216.04 | $197,774.40 |
About this calculator:
- Estimated monthly payment includes principal, interest, property taxes, and homeowner's insurance
- PMI is calculated if your down payment is less than 20% of the home price
- Interest rates are approximate and may vary based on credit score, location, and other factors
- For a personalized quote, contact the credit unions directly
Auto Loan Calculator
Auto Loan Calculation Results
Based on your inputs, here are the estimated costs:
Monthly Payment
$432.78
Total Loan Amount
$24,000
Total Interest
$1,966.80
Total Cost
$31,966.80
| Credit Union | Interest Rate | Monthly Payment | Total Interest |
|---|---|---|---|
| STCU | 3.49% | $435.95 | $2,157.00 |
| KFCU | 3.25% | $432.78 | $1,966.80 |
| Family Trust FCU | 3.50% | $436.22 | $2,173.20 |
| Connexuscu | 3.45% | $435.40 | $2,124.00 |
| Edfed | 3.65% | $438.60 | $2,316.00 |
About this calculator:
- Monthly payment includes principal and interest only
- Total cost includes the vehicle price, sales tax, and fees minus any trade-in value
- Interest rates are approximate and may be lower for new vehicles or with excellent credit
- Consider additional costs like insurance, maintenance, and fuel when budgeting
Savings Growth Calculator
Savings Growth Calculation Results
Here's how your savings could grow over time:
Final Balance
$31,047.15
Total Contributions
$29,000.00
Total Interest Earned
$2,047.15
| Credit Union | Interest Rate | Final Balance | Total Interest |
|---|---|---|---|
| STCU | 1.45% | $30,875.72 | $1,875.72 |
| KFCU | 1.40% | $30,789.69 | $1,789.69 |
| Family Trust FCU | 1.50% | $31,047.15 | $2,047.15 |
| Connexuscu | 1.75% | $31,659.86 | $2,659.86 |
| Edfed | 1.60% | $31,307.63 | $2,307.63 |
About this calculator:
- Results assume consistent monthly contributions throughout the entire period
- Rates are current as of May 2024 and may change over time
- This calculator does not account for taxes or inflation
- Consider exploring other savings vehicles like CDs or Money Market accounts for potentially higher returns
Retirement Savings Calculator
Retirement Savings Projection
Based on your inputs, here's what your retirement could look like:
Retirement Savings Goal
$1,152,889
Projected Savings at Retirement
$972,435
Shortfall/Surplus
-$180,454
Suggested Monthly Contribution
$685
About this calculator:
- Results are estimates based on constant contributions and steady returns
- This calculator doesn't account for Social Security benefits or other income sources
- Inflation is not explicitly modeled but can be partially accounted for in your income needs
- Consider working with a financial advisor for a more detailed retirement plan
- Many credit unions offer retirement planning services and IRAs with competitive rates
Debt Payoff Calculator
Debt Payoff Results
Here's how long it will take to pay off your debt:
Time to Debt Freedom
3 years, 9 months
Total Interest Paid
$4,782.42
Total Amount Paid
$19,782.42
| Credit Union | Debt Consolidation Rate | Monthly Payment | Total Interest |
|---|---|---|---|
| Current Debt | 16.99% | $400.00 | $4,782.42 |
| STCU | 8.99% | $400.00 | $2,422.21 |
| KFCU | 9.49% | $400.00 | $2,569.83 |
| Family Trust FCU | 8.45% | $400.00 | $2,273.51 |
| Connexuscu | 8.89% | $400.00 | $2,397.06 |
| Edfed | 9.25% | $400.00 | $2,502.90 |
About this calculator:
- Results assume no additional debt is taken on during the payoff period
- Debt consolidation with a credit union personal loan can often save substantial interest
- The "debt snowball" method prioritizes paying off smaller balances first for psychological wins
- The "debt avalanche" method prioritizes paying highest interest debts first for maximum savings
- Consider credit counseling services offered by many credit unions for personalized advice