Using the calculator is straight forward. User enters a "loan amount", "number of months", "annual interest rate". The calculator calculates the number of monthly payments.
The "Payment Method" determines when the first payment is due. With the default selection, "End-of-Period", the first payment will be due one month after the loan is made. If "Start-of-Period" is selected, then the first payment will be due on the loan date.
The term (duration) of the loan is expressed as a number of months.
- 60 months = 5 years
- 120 months = 10 years
- 180 months = 15 years
- 240 months = 20 years
- 360 months = 30 years
Need more options including the ability to solve for other unknowns, change payment / compounding frequency and the ability to print an amortization schedule? Please visit, https://financial-calculators.com/loan-calculator
Currency and Date Conventions
All calculators will remember your choice. You may also change it at any time.
Clicking "Save changes" will cause the calculator to reload. Your edits will be lost.
Our Loan APRs
|APR - New and Used|
|as low as 2.24% for 36 months|
|as low as 2.44% for 48-60 months|
|as low as 3.69% for 61-84 months|
|as low as 1.74% - Share Secured|
|as low as 5.50% - Other Secured|
|Unsecured 12 months max||As low as 6.49% APR|
|Unsecured 13-48 months max||As low as 8.49% APR|
|Debt Consolidation 12 months max||As low as 8.00% APR|
|Debt Consolidation 13-48 months max||As low as 9.74% APR|
|Paycheck Plus 6 months max||20.00% APR
$20 Application Fee
|Overdraft Line of Credit||14.00% APR|
Restrictions may apply.
|New - 0-60 months, as low as 5.24% APR
New - 61-180 months, as low as 5.74
|Used - 0-60 months, as low as 5.74% APR
Used - 61-180 months, as low as 6.74% APR
|New - As low as 4.99% APR|
|Used - As low as 5.49% APR|
|MOWERS, TRACTORS, SNOWMOBILES, ATV'S, JET-SKI'S, 4-WHEELERS, GATORS|
|Title or UCC1|
|60 Months Max, As low as 5.75%|
|CAMPERS, POP-UPS, FIFTH-WHEELS|
|New - 0-60 Months, As low as 5.24% APR
New - 61-180 Months, As low as 5.74% APR
|Used - 0-60 Months, As low as 5.74% APR
Used - 61-180 Months, As low as 6.74% APR
|Loan Term||APR||Maximum Amount|
|10 years||as low as 3.42% APR||$100,000|
|7 years||as low as 3.25% APR||$100,000|
|5 years||as low as 3.25% APR||$100,000|
|15 Years Fixed||3.22% APR|
|30 Years Fixed||4.03% APR|
Private Mortgage Insurance (PMI) is required when LTV is greater than 80%.
Share Certificate dividends are paid on the last day of the month, as per the terms of the individual certificate. Share Certificate rates for new purchases change weekly.
|Share Certificate Term||Dividend Rate||APY|
Dividends are paid to savings accounts and club accounts on the last day of March, June, September, and December. Our Board of Directors sets the dividend rates quarterly.
|Share Types||Dividend Rate||APY|
|Primary Share 0||0.15% APY||0.15% APY|
|Secondary Savings 3, 5, 8||0.15% APY||0.15% APY|
|Christmas Club||0.25% APY||0.25% APY|
|Vacation Club||0.25% APY||0.25% APY|
|Share Draft Checking||Non-Earning||Non-Earning|
|Gold MasterCard||6.00% APR Adjustable|
|Standard MasterCard||13.80% APR Fixed|
Fees may reduce earnings on accounts and rates may change after the account is open. Dividends will be forfeited if the member closes the account before accrued dividends are credited. Please visit the "fee and free service schedule" for fees associated with accounts.