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IRA SHARE CERTIFICATES

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A safe way to save with guaranteed returns*

  1. Save securely for you and your loved ones’ future
  2. Growing your money no matter how the market changes
  3. No monthly maintenance fees

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IRA Share Certificate

  • A higher APY locked in over a fixed term
  • $500 to open
  • No monthly maintenance fee
  • Various options to maximize earnings
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Financial Calculators

Banking is better for our members with fair rates, affordable loans, and promising financial futures. And money can do more when put back into projects for affordable housing and helping those that need a hand up.

Should I refinance?

When you refinance at a lower interest rate, you usually pay refinancing costs including points, fees, and closing costs. This calculator will tell you if the amount you save in interest will exceed these refinancing costs. The calculated results depend on how long you plan to keep this property.

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Calculator Results

Refinancing will immediately cost you $5,550.00 to cover the loan origination fees. It will take 47 months before the savings in interest offsets the origination fees. If you plan to stay at this property for 15 years, you will save $9,787.32.

Financial Details

Loan Info

Current Loan

Refinance

Savings

Monthly Payment

$2,321.60

$2,236.42

$85.18

Origination Cost

$5,550.00

($5,550.00)

Total Loan Cost (PV)

$480,567.44

$470,780.12

$9,787.32

Calculator tips

In this analysis, cash out is not considered as part of the cost of the loan since the cash could theoretically be put back into the loan.

Your tax rate is used to calculate the monthly advantage of your interest deduction. If you wish not to include the interest deduction advantage, you may set your tax rate to 0. Please keep in mind that your tax deduction may be limited beyond the scope of this calculator. Talk to your tax advisor before using these results in your specific situation.

The total loan cost figure is actually the present value of all the payments for as long as you keep this property, using the investment rate of return as a discount rate. You may also think of it as the amount you would have to invest today (e.g., in a savings account) to cover all the payments for as long as you keep this property. Negative savings are indicated by brackets.

Calculator disclaimer

The information provided by these calculators is intended for illustrative purposes only and is not intended to purport actual user-defined parameters. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results.

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Who is Cetera? Cetera Investment Services, LLC is an experienced brokerage firm, providing services and products to the customers of nearly 500 financial institutions. Cetera Investment Services is a member of the Financial Industry Regulatory Authority (FINRA) and the Securities Investors Protection Corporation (SIPC). They offer a broad range of investment and insurance products, including: Mutual Funds, Stocks and Bonds, Unit Investment Trusts, Tax-Deferred Fixed and Variable Annuities, Life and Long-Term Care Insurance.

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