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Helping you plan your financial journey

Use the financial calculators in the tabs below to help you make sound financial decisions and plan for your future. Click on the title to access the calcuator, enter options, view definitions, etc.

From mortgages to retirement plans, these calculators allow you to estimate the value of a loan or deposit from just about every financial product you might need to reach your financial and life goals.


    Adjustable Rate Mortgage Calculator
    This calculator helps you to determine what your adjustable mortgage payments will be. 
    ARM vs. Fixed Rate Mortgage
    Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM. 
    Bi-weekly Payment Calculator
    Using bi-weekly payments can accelerate your mortgage payoff and save you thousands in interest. Use this calculator to compare a typical monthly payment schedule to an accelerated bi-weekly payment. 
    Mortgage Comparison: 15 Years vs. 30 Years
    Use this calculator to compare these two mortgage terms, and let us help you decide which term is better for you. 

    Mortgage Loan Calculator
    Use this calculator to determine your monthly payment and amortization schedule. 
    Mortgage Payoff
    Save thousands of dollars in interest by increasing your monthly mortgage payment.

  • LOAN

    Loan Calculators

    Amortizing Loan Calculator
    Enter your desired payment - and let us calculate your loan amount. Or, enter in the loan amount and we will calculate your monthly payment! 

    Enhanced Loan Calculator
    Use the slider controls to instantly change your monthly payment, loan amount, interest rate or term. 

    Car Loan Calculator
    Determine your car loan payment based on your purchase price or find out how much you can buy based on your monthly payment. 

    Home Equity Loan vs. Auto loan
    Use this calculator to determine if a home equity loan makes sense for your next automobile purchase. 


    Credit Cards and Debt

    Credit Card Pay off
    Use this calculator to see what it will take to pay off your credit card balance, and what you can change to meet your repayment goals. 

    Personal Debt Consolidation 
    Should you consolidate your debt? This calculator is designed to help determine if debt consolidation is right for you.


    Savings Calculators

    Cool Million
    Find out when your savings plan may make you a millionaire! 

    Savings Calculator
    Find out how consistent investments over a number of years can be an effective strategy to accumulate wealth. 


    Retirement Savings and Planning

    401(k) Savings Calculator 
    A 401(k) can be one of your best tools for creating a secure retirement. Use this calculator to see why this is a retirement savings plan you cannot afford to pass up. 
    Retirement Income
    Use this calculator to determine how much monthly income your retirement savings may provide you in your retirement. 
    Retirement Planner
    Quickly determine if your retirement plan is on track - and learn how to keep it there. 
    Roth vs. Traditional IRA
    Use this calculator to determine which IRA may be right for you. 
    Social Security Benefits
    Use this calculator to estimate your Social Security benefits. 
    Traditional IRA Calculator
    How can contributing to a regular IRA help you in your retirement?


    Personal Finance 

    Checkbook Balancer
    Balance your checkbook with this quick and easy calculator. 

    Home Budget Analysis
    Analyze your budget, see where your money goes and find out where you can improve! 


    Tax Calculators

    1040 Tax Calculator
    Enter your filing status, income, deductions and credits and we will estimate your total tax. Based on your projected withholdings for the year, we can also estimate your tax refund or amount you may owe the IRS next April.

Checking & Savings Options To Meet Your Financial Needs

Not signed up for Online Banking? CLICK HERE, call us at 903-735-3000 / 800-822-3317, or visit a local branch to get started.

Lending Options To Meet Your Financial Needs

Not signed up for Online Banking? CLICK HERE, call us at 903-735-3000 / 800-822-3317, or visit a local branch to get started.