Member Update: All Branches, including our Call Center, will be closed from Saturday, August 30th through Monday, September 1st in observance of Labor Day. We will resume business hours Tuesday, September 2nd. Members can access their accounts at any time through our Online, Mobile, or Phone Banking platforms.
Use this calculator to help you determine your monthly car loan payment or your car purchase price.
After you have entered your current information, use the graph options to see how different loan terms or down payment amounts could impact your monthly payment. You can also examine your complete amortization schedule by clicking on the "View Report" button.
Choose what you would like to calculate. You can choose to calculate the payment or the purchase price.
The amount you pay each month for your auto financing.
This is the total cost of your auto purchase. Include the cost of the vehicle, additional options and destination charges. This amount does not include sales tax. Sales tax will be calculated for you and included in your total after-tax price.
Number of months the loan will be in effect.
Annual interest rate for this loan.
Total amount of cash and/or factory rebates applied to the purchase. The larger your cash down payment the smaller the loan you will need to finance this purchase.
The total amount that you are given for any automobile that you trade-in as part of the purchase. In some states a trade-in can also reduce the amount of sales tax you will owe. See the definition for "No sales tax deduction for trade-in" for more information on trade-in vehicles and sales tax.
Total loan balance still outstanding on the trade-in.
Any additional fee that is not subject to sales tax. This usually includes document fees or any other fees that may be due at delivery and are not taxable.
Any additional fee that is subject to sales tax. This usually includes title transfer fees or any other fees that may be due at delivery and are taxable.
Sales tax percentage rate charged on this purchase.
If you live in a state where your sales tax is calculated on your full purchase price, check this box in the calculator. If this box is unchecked, sales tax is calculated on the purchase price, less trade-in. Currently the District of Columbia, California, Hawaii, Maryland, Kentucky, Michigan and Virginia allow no deductions for trade-ins when calculating sales tax. In addition, Alaska, Delaware, Montana and New Hampshire have no sales tax on auto purchases. Oregon currently only collects tax on new vehicles.
