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This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Autos, Trucks and Motorcycles
New Auto, Trucks, Vans, Motorcycles (New 2023; New untitled 2022)
| Term | Rate | Pmt/$1,000 |
|---|---|---|
| 24-54 Months | 2.75% | $42.88 - $19.72 |
| 55-78 Months | 3.00% | $19.49 - $14.13 |
| 79-84 Months | 3.25% | $14.08 - $13.33 |
| 85-96 Months / $40,000 Min. | 3.75% | $13.42 - $12.08 |
Used Auto, Trucks, Vans, Motorcycles (2021-2018)
| Term | Rate | Pmt/$1,000 |
|---|---|---|
| 24-54 Months | 3.00% | $42.99-$19.83 |
| 55-78 Months | 3.25% | $19.60-$14.25 |
| 79-84 Months | 3.50% | $14.20-$13.45 |
Used Auto, Trucks, Vans, Motorcycles (2017-2015)
| Term | Rate | Pmt/$1,000 |
|---|---|---|
| 24-54 Months | 3.25% | $43.10 - $19.94 |
| 55-78 Months | 3.50% | $19.71 - $14.36 |
| 79-84 Months | 3.75% | $14.31 - $13.56 |
Used Auto, Trucks, Vans, Motorcycles (2014 and older)
| Term | Rate | Pmt/$1,000 |
|---|---|---|
| 24 Months | 4.00% | $43.43 |
| 25-36 Months | 4.25% | $41.88 - $29.64 |
| 37-48 Months | 4.50% | $29.00 - $22.81 |
| 49-60 Months / $20,000 Min. | 5.00% | $22.61 - $18.88 |
Rates disclosed are As Low As Rates, which are based on the A+ credit discount (credit score >740) and Multiple Service discount (active checking account with direct deposit).
Loan rates may vary based on credit evaluation. Monthly Payment Installment samples shown are based on every $1,000 borrowed and the minimum term and maximum term within each term range.
Computer and Other Durable Goods
| Term | Rate | Pmt/$1,000 |
|---|---|---|
| 24 Months | 7.00% | $44.79 |
| 36 Months | 8.00% | $31.35 |
| 48 Months | 9.00% | $24.90 |
Rates disclosed are As Low As Rates, which are based on the A+ credit discount (credit score >740) and Multiple Service discount (active checking account with direct deposit).
Loan rates may vary based on credit evaluation. Monthly Payment Installment samples shown are based on every $1,000 borrowed and the minimum term and maximum term within each term range.
Home Equity - Fixed Rate - Up to 80% Loan to Value
| Term | Rate | Pmt/$1,000 |
|---|---|---|
| 24 Months | 4.000% | $43.43 |
| 36 Months | 4.250% | $29.64 |
| 48 Months | 4.250% | $22.70 |
| 60 Months | 4.250% | $18.54 |
| 72 Months | 4.500% | $15.88 |
| 84 Months | 4.500% | $13.91 |
| 96 Months | 4.500% | $12.43 |
| 108 Months | 4.750% | $11.41 |
| 120 Months | 4.750% | $10.49 |
| 180 Months | 5.000% | $7.92 |
Rates disclosed are As Low As Rates, which are based on the A+ credit discount (credit score >740) and Multiple Service discount (active checking account with direct deposit).
Monthly Payment Installment samples shown are based on every $1,000 borrowed. Rates may vary based on credit evaluation. Rates subject to change without notice. Closing costs may vary if out of the Rockford area, an appraisal is required, or a release of mortgage is recorded.
Home Equity Line of Credit - Adjustable Rate - Up to 80% Loan to Value
Rate discounted at 6.125% for the first year. Adjusts to the Wall Street Journal Prime Rate annually, which is currently at 6.250% Maximum APR = 18% Annual Fee = $10.00
Rates disclosed are As Low As Rates, which are based on the A+ credit discount (credit score >740) and Multiple Service discount (active checking account with direct deposit).
Monthly Payment Installment samples shown are based on every $1,000 borrowed. Rates may vary based on credit evaluation. Rates subject to change without notice. Closing costs may vary if out of the Rockford area, an appraisal is required, or a release of mortgage is recorded.
IRA/CD Rates
| Type/Term | Minimum Opening Deposit | Rate | APY | Penalty for Early Withdrawal |
|---|---|---|---|---|
| Base IRA (Primary, Education, Roth) | $500 | 0.050% | 0.050% | N/A |
| 3 Month CD* | $500 | 0.499% | 0.500% | 90 Days* |
| 6 Month CD** | $500 | 0.748% | 0.750% | 90 Days |
| 12 Month CD | $500 | 0.946% | 0.950% | 180 Days |
| 18 Month CD | $500 | 0.995% | 1.000% | 180 Days |
| 24 Month CD | $500 | 1.094% | 1.100% | 180 Days |
| 30 Month CD | $500 | 1.144% | 1.150% | 180 Days |
| 36 Month CD | $500 | 1.197% | 1.200% | 180 Days |
| 48 Month CD | $500 | 1.345% | 1.350% | 365 Days |
| 60 Month CD | $500 | 1.493% | 1.500% | 365 Days |
Minimum Deposit = $500.00. A penalty will or may be imposed for early withdrawals. *3 month CD not eligible for IRAs.** 6 month CD not eligible for Roth and Education IRAs.
Mobile Home
| Mobile Home Loans Are Temporarily Unavailable | Rate |
|---|---|
| 120 Months (New) | N/A |
| 180 Months (New) | N/A |
| 120 Months (Used) | N/A |
| 180 Months (Used) | N/A |
Rates disclosed are As Low As Rates, which are based on the A+ credit discount (credit score >740) and Multiple Service discount (active checking account with direct deposit).
Monthly Payment Installment samples shown are based on every $1,000 borrowed.
Money Market Accounts
| Balance | Rate | APY |
|---|---|---|
| $2,500 - $9,999.99 | 0.770% | 0.0773% |
| $10,000 - $24,999.99 | 1.020% | 1.025% |
| $25,000 - $99,999.99 | 1.270% | 1.278% |
| $100,000+ | 1.420% | 1.430% |
Off Road RVs, Snowmobiles and Jet Skis
New Snowmobile, Off-Road RV, Jet Ski (New 2022; New untitled 2021)
| Term | Rate | Pmt/$1,000 |
|---|---|---|
| 24 Months | 5.50% | $44.11 |
| 36 Months | 6.00% | $30.43 |
| 48 Months | 6.50% | $23.73 |
| 60 Months | 7.00% | $19.82 |
Used Snowmobile, Off-Road RV, Jet Ski (2021-2013)
| Term | Rate | Pmt/$1,000 |
|---|---|---|
| 24 Months | 6.00% | $44.33 |
| 36 Months | 6.50% | $30.65 |
| 48 Months | 7.00% | $23.96 |
| 60 Months | N/A | N/A |
Rates disclosed are As Low As Rates, which are based on the A+ credit discount (credit score >740) and Multiple Service discount (active checking account with direct deposit).
Loan rates may vary based on credit evaluation. Monthly Payment Installment samples shown are based on every $1,000 borrowed and the minimum term and maximum term within each term range.
Personal Loans (Unsecured)
| Loan Type/Term | Rate | Pmt/$1,000 |
|---|---|---|
| Unsecured - Signature Loan 6 Months | 5.00% | $169.13 |
| Unsecured - Signature Loan 12 Months | 5.50% | $85.85 |
| Unsecured - Signature Loan 18 Months | 6.50% | $58.47 |
| Unsecured - Signature Loan 24 Months | 7.50% | $45.01 |
| Unsecured - Signature Loan 36 Months | 8.50% | $31.58 |
| Unsecured - Signature Loan 48 Months | 9.00% | $24.90 |
| Unsecured - Signature Loan 60 Months | 9.50% | $21.02 |
| Unsecured - Line of Credit | 10.90% | 3% of Limit |
Rates disclosed are As Low As Rates, which are based on the A+ credit discount (credit score >740) and Multiple Service discount (active checking account with direct deposit). Not available on Unsecured Line of Credit Loans.
Loan rates may vary based on credit evaluation. Monthly Payment Installment samples shown are based on every $1,000 borrowed and the minimum term and maximum term within each term range.
Primary Mortgage
Conventional Mortgages - 5% Down
| Term | Points | Rate | Pmt/$10,000 | APR |
|---|---|---|---|---|
| 15 Year Fixed Rate | 0.000 | 4.500% | $76.50 | 4.845% |
| 15 Year Fixed Rate | 1.000 | 3.990% | $73.92 | 4.481% |
| 20 Year Fixed Rate | 0.000 | 4.920% | $65.55 | 5.256% |
| 20 Year Fixed Rate | 1.000 | 4.625% | $63.94 | 5.078% |
| 30 Year Fixed Rate | 0.000 | 5.125% | $54.45 | 5.580% |
| 30 Year Fixed Rate | 1.000 | 4.750% | $52.17 | 5.284% |
| 5/1 Year ARM | 0.000 | N/A | N/A | N/A |
| 7/1 Year ARM | 0.000 | N/A | N/A | N/A |
| Construction | 0.000 | N/A | N/A | N/A |
FHA Mortgages - 3.5% Down
| Term | Points | Rate | Pmt/$10,000 | APR |
|---|---|---|---|---|
| 15 Year | 0.000 | 5.000% | $80.46 | 6.875% |
| 20 Year | 0.000 | 5.000% | $67.15 | 6.681% |
| 25 Year | 0.000 | 5.000% | $59.48 | 6.546% |
| 30 Year | 0.000 | 5.000% | $54.62 | 6.512% |
| 5/1 Year ARM | 0.000 | N/A | N/A | N/A |
Monthly Payment Installment samples shown under rates are based on every $10,000 borrrowed. Mortgage Loan Rates & APR are based on $175,000 loan. Rates are subject to change daily. Please contact the credit union for current rates at 815-226-2260.
Recreational Vehicles (Boats, Motor Homes, 5th Wheels, Travel Trailers, Campers)
New Recreational Vehicles (New 2022; New untitled 2021)
| Term | Rate | Pmt/$1,000 |
|---|---|---|
| 25-36 Months | 3.50% | $41.53 - $29.30 |
| 37-54 Months | 3.50% | $28.55 - $20.04 |
| 55-66 Months | 3.75% | $19.82 - $16.79 |
| 67-78 Months | 3.75% | $16.57 - $14.47 |
| 79-90 Months | 4.00% | $14.42 - $12.88 |
| 91-126 Months / $40,000 Min. | 4.50% | $12.99 - $9.88 |
| 127-180 Months / $60,000 Min. | 4.75% | $10.04 - $7.78 |
| 181-246 Months / $80,000 Min. | 5.00 | $7.88 - $6.51 |
Used Recreational Vehicles (2021-2015)
| Term | Rate | Pmt/$1,000 |
|---|---|---|
| 25-36 Months | 3.75% | $41.64 - $29.41 |
| 37-54 Months | 3.75% | $28.66 - $20.16 |
| 55-66 Months | 4.00% | $19.93 - $16.91 |
| 67-78 Months | 4.25% | $16.80 - $14.70 |
| 79-90 Months | 4.50% | $14.65 - $13.12 |
| 91-126 Months / $40,000 Min. | 4.75% | $13.11 - $10.10 |
| 127-180 Months / $60,000 Min. | 5.00% | $10.16 - $7.91 |
| 181-246 Months / $80,000 Min. | N/A | N/A |
Used Recreational Vehicles (2014 and older)
| Term | Rate | Pmt/$1,000 |
|---|---|---|
| 25-36 Months | 4.25% | $41.87 - $29.64 |
| 37-54 Months | 4.50% | $29.00 - $20.50 |
| 55-66 Months | 4.75% | $20.27 - $17.35 |
| 67-78 Months | 5.00% | $17.14 - $15.05 |
| 79-90 Months | >5.25% | $15.00 - $13.47 |
| 91-126 Months / $40,000 Min. | 6.00% | $13.87 - $10.72 |
| 127-180 Months / $60,000 Min. | N/A | N/A |
| 181-246 Months / $80,000 Min. | N/A | N/A |
Rates disclosed are As Low As Rates, which are based on the A+ credit discount (credit score >740) and Multiple Service discount (active checking account with direct deposit).
Loan rates may vary based on credit evaluation. Monthly Payment Installment samples shown are based on every $1,000 borrowed and the minimum term and maximum term within each term range. Additional terms available.
Savings/Checking Rates
| Accounts | Rate | APY | Minimum Opening Deposit |
|---|---|---|---|
| Savings Account/Business Savings Account | 0.050% | 0.050% | $25 |
| Youth Accounts | 0.050% | 0.050% | $25 |
| Free Basic Checking | 0.00% | 0.00% | No Minimum Deposit Required |
| MyCashback Checking | N/A | N/A | No Minimum Deposit Required |
| HSA Checking | 0.00% | 0.00% | No Minimum Deposit Required |
| Business Checking | 0.00% | 0.00% | No Minimum Deposit Required |
| Christmas Club | 0.050% | 0.050% | No Minimum Deposit Required |
| Vacation Club | 0.050% | 0.050% | No Minimum Deposit Required |
Share (CD) Secured
| Loan Type/Term | Rate |
|---|---|
| Savings Secure Loan with CD Account | 2.00% Over CD Rate |
Student Loans
| Credit Score | Rate Index (Prime Rate) | Margin | Rate |
|---|---|---|---|
| =>820 | 6.250% | -0.250% | 6.000% |
| 760-819 | 6.250% | 1.500% | 7.750% |
| 700-759 | 6.250% | 2.750% | 9.000% |
| 680-699 | 6.250% | 3.750% | 10.000% |
| 660-679 | 6.250% | 5.750% | 12.000% |
Adjustable quarterly based on the Prime Rate. Floor Rate: 3.00%, Ceiling Rate: 18.00%
Visa Credit Card
| Card Type | APR for Purchases, Cash Advances and Balance Transfers |
|---|---|
| Visa Platinum Rewards Card | 8.90% to 17.90% |
APR is based on your creditworthiness at the time of account opening.