Calculators
CALCULATORS
When you make big life decisions, you can never research too much. Below are various calculators to help you decide what services are right for YOU. Whether you’re trying to build a savings account, choosing a loan, or planning for retirement, we have a calculator to help you pave the way!
SAVINGS CALCULATORS1
Your goals are essential, and we want to help you meet them! Check out our Savings Goal Calculator to discover different scenarios on how to reach your savings goal. You can enter current balances and rates to see results like how long it will take to reach your goal. Our College Savings Calculator can show you how much you need to save as you plan for college. Visit our Savings Account page for more information.
CERTIFICATE ACCOUNT SPECIAL CALCULATOR1
Use this calculator to pick your term and deposit amount. CLICK HERE to learn more about Certificate Account Specials.
*Calculation does not include new money 0.10% APY, active checking account 0.25%, or active direct deposit 0.25%.
HIGH-YIELD CHECKING CALCULATOR1
Our High-Yield checking3 is one of our favorite accounts because it’s a spending account that lets you save! Use the calculator below to see how much you could earn! For more information, check out our High-Yield Checking page.
RETIREMENT CALCULATOR1
Retirement is one of the most exciting times in a person’s life, and with the right amount of preparation, it can be even more rewarding. Use the calculators below to see how much you should be putting back and how much you can deposit into your 401(k). These tools can help you forge a strong path forward to retirement. Visit our IRAs page for more information on retirement accounts.
HOME LOAN CALCULATORS1
How much is my home loan payment? How much of a down payment do I need? Which term works for me? What kind of home can I afford? Should I refinance7 my current home? These are all critical questions to consider when making home loan8 decisions. Check out this calculator and get answers to your home-buying questions. It helps to see the numbers when evaluating your choices. For more information, visit our Home Loans page.
AUTO LOAN CALCULATORS1
Many factors go into buying a car. Our Auto Payment Calculator lets you customize your purchase price, sales tax, and much more so you can discover the scenario that works best for you. You can even add a trade-in and try different terms to find the payment amount to fit your budget. Please visit our Auto Loans4 page for more information.
ADDITIONAL CALCULATORS
PERSONAL LOAN CALCULATORS1
Knowledge is power, especially when it comes to loans. Calculate your monthly payment, total interest, and even your total overall cost with our loan calculators. You can edit your loan amount, and the calculator will show the payment amount for each term. This calculator provides payment examples to help make an empowered decision. Click here to learn more about Personal Loans5.
For whatever life throws your way!
CREDIT CARD CALCULATORS1
When you’re choosing a credit card, it’s crucial to crunch the numbers. Try these calculators to see how long it would take to pay off your credit card balance. For more information on our credit cards6, CLICK HERE.
1Use of online calculators does not guarantee credit or accuracy applicable to your specific circumstances.
All examples are hypothetical and for illustrative purposes and not intended to provide investment or financial advice.
2APY = Annual Percentage Yield. APY effective as of September 2024. Some restrictions may apply. All rates and offerings are subject to change. Penalty may be imposed for early withdrawal. Fees may reduce earnings. Certificate Accounts with maturities of seventeen (17) months or less have a penalty for early withdrawal of an amount equal to ninety (90) days dividends. Certificate Accounts with maturities of eighteen (18) months or more have a penalty for early withdrawal of an amount equal to 180 days dividends. Dividends can be added back to the account, transferred to another Knoxville TVA Employees Credit Union account, or mailed to you each month. Annual Percentage Yield applies when the dividend is reinvested in the account. Certificate Accounts (other than Educational Savings) can be designated as an Individual Retirement Account (IRA) or Health Savings Account (HSA). Talk to a financial advisor regarding individual scenarios. Any certificate account with new money of $10,000.00 may add 0.10% APY to the dividend rate featured above. With an active checking account, add 0.25% to current dividend rate. With an active direct deposit, add 0.25% to current dividend rate. Ask for details.
3APY = Annual Percentage Yield. APY effective as of 09-07-24. Some restrictions may apply. Fees may reduce earnings. Ask for details. High-Yield Checking is a tiered-rate account. Monthly qualification cycle begins on the first day and ends on the last day of the calendar month. Terms and conditions may apply. Rate subject to change.
PREMIUM RATE of 3.50% APY is earned on balances between $500.00 and $10,000.00 when the following monthly qualifications are posted and settled within the monthly qualification cycle:
• Make 15 debit card transactions
• Log in to online/mobile banking at least once
• Receive eStatements
• Have direct deposit
NON-PREMIUM RATE of 0.00% APY is earned on balances of $499.99 or less. On balances over $10,000.00, 0.15% APY is earned or when premium qualifications are not met. When the account is closed, 0.15% APY applies for the month the account is closed.
4*APR = Annual Percentage Rate. Available to qualifying Members. Some restrictions may apply. Rate subject to change without notice and based on creditworthiness. Minimum loan amount for new auto loans with terms 85 to 96 months: $40,000.00. Rates increase by 1.00% for autos over 100,000 miles. Payment per $10,000.00 is for example purposes only. Ask for details.
5APR = Annual Percentage Rate. Some restrictions may apply. Published rates are the lowest rates available for each loan type. Your rate may vary, based on creditworthiness, amount financed, and loan terms. Ask for details. Payment per $1,000.00 is for example purposes.
6APR = Annual Percentage Rate. Rate subject to change without notice and based on creditworthiness. Available to qualifying Members. Some restrictions may apply. Ask for details. See credit card disclosure.
7APR = Annual Percentage Rate. Restrictions apply. Not a government-affiliated agency. All applications subject to underwriting guidelines and approval. Rates based on creditworthiness. Ask for details. Please note the interest rate and fees shown are available to borrowers with excellent credit history with loan-to-values up to 80% of the appraised value or sales price of the property, whichever is the least amount. If the loan-to-value is higher than 80%, please contact us for a rate quote. The actual interest rate and fees available to you may be different than the rates displayed. All interest rates and APRs shown are subject to change without notice. A fixed-rate mortgage loan of $200,000.00 for 15 years at 5.000% interest and 5.362% APR will have a monthly payment of $1,581.59. Taxes and insurance not included; therefore, the actual payment obligation will be greater. A fixed-rate mortgage loan of $200,000.00 for 30 years at 5.875% interest and 6.096% APR will have a monthly payment of $1,183.08. Taxes and insurance not included; therefore, the actual payment obligation will be greater.
8APR = Annual Percentage Rate. Restrictions apply. Not a government-affiliated agency. All applications subject to underwriting guidelines and approval. Rates based on creditworthiness. Ask for details. Please note the interest rate and fees shown are available to borrowers with excellent credit history with loan-to-values up to 80% of the appraised value or sales price of the property, whichever is the least amount. If the loan-to-value is higher than 80%, please contact us for a rate quote. The actual interest rate and fees available to you may be different than the rates displayed. All interest rates and APRs shown are subject to change without notice. A fixed-rate mortgage loan of $200,000.00 for 15 years at 5.000% interest and 5.362% APR will have a monthly payment of $1,581.59. Taxes and insurance not included; therefore, the actual payment obligation will be greater. A fixed-rate mortgage loan of $200,000.00 for 30 years at 5.875% interest and 6.096% APR will have a monthly payment of $1,183.08. Taxes and insurance not included; therefore, the actual payment obligation will be greater.