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Closed for Christmas

All HFCU branches, drive-thrus, and HFCUVT Video Branch will close at 3:00pm on Wednesday, December 24 and will remain closed on Thursday, December 25, for Christmas.

Our call center, eBranch and M.A.R.S are available 24/7.

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Calculators

Use our financial calculators to explore a wide range of scenarios around mortgage, savings, loans and business.

The information provided by these calculators is not guaranteed and is for educational purposes only. Any loan and payment details may differ and will be subject to credit approval. These calculators are not intended to provide financial advice and actual results may differ.

Calculators

A couple stands outside of their new house with the keys

Mortgage Calculators

Calculate a Mortgage Payment

Calculate a Mortgage Payment

Mortgage Loan Widget

Explore the Mortgage Loan Widget

Explore whether to Rent or Buy a Home

Proceeds from Sale of a Home

Explore Potential Proceeds from the Sale of a Home

Home Affordability

Calculate Home Affordability

Adjustable-Rate Mortgage Analyzer

Calculate an Adjustable-Rate Mortgage (ARM)

Time to Refinance?

Calculate if it might be time to refinance your home

Compare a Bi-Weekly Mortgage to a Monthly Mortgage

Compare a Bi-Weekly Mortgage to a Monthly Mortgage

Debt-to-Income Calculator

Calculate Debt-to-Income Ratio

Down Payment Calculator

Calculate a Down Payment Amount

Loan Amount Calculator

Calculate a Potential Loan Amount

Woman stacking coins and adding them to a jar marked

Savings Calculators

The Impact of Saving More

Calculate the Impact of Saving More

The Benefits of Compounding

Calculate the Benefits of Compounding Interest on Savings

Save for College

Explore Saving Money for College

Save to be a Millionaire

Calculate How Long it Could Take to Become a Millionaire

What Will My Savings Be Worth?

Calculate the Future Worth of Savings Over Time

Save Towards a Goal

Explore How Long it Will Take to Meet a Savings Goal

Save for a Rainy Day

Make a Plan for the Unexpected

Compare Two Certificates

Compare Certificate Options

Calculate Your Savings at Maturity

How Much Will a Certificate Be Worth When it Matures?

Woman in a home office throwing money into the air

Lending & Credit Card Calculators

Debt Consolidation

Explore Scenarios to Consolidate Existing Debt

Make Bi-Weekly Payments

Calculate How Making Bi-Weekly Payments Might Save You Money

Meet A Debt Payoff Goal

Set a Goal For Paying Off a Loan

How Long Will It Take to Pay Off a Credit Card?

Determine How Long it Will Take to Pay Off a Credit Card

Use a Lump Sum to Pay Down Debt

Explore How a Lump Sum Payment Might Save Money Down the Line

Are Credit Card Balance Transfers Worth It?

Explore Credit Card Balance Transfer Scenarios

Increase Your Monthly Payment

Calculate How An Increased Payment Will Affect Your Loan

Calculate a Loan Payment

Calculate How Much a Loan Payment Might Be

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Business Calculators

Repaying a Business Loan

Explore How Long it Will Take to Pay Off a Business Loan

Business Loan or Line of Credit

Is a Business Loan or Line Of Credit is Right for You?

Purchase or Lease Equipment?

Should Your Business Purchase or Lease Equipment?

Projecting Your Cash Flow

Calculate Potential Business Cash Flow

Financial Ratio Analysis

Calculate the Overall Health of a Business

Business Debt Consolidation

Explore Scenarios to Consolidate Existing Business Debt

Calculate a Business Loan Payment

Calculate How Much a Business Loan Payment Might Be