Tools & Calculators
OTS Employees Credit Union offers a wide array of personal-finance calculation tools through our partner Aloha Pacific FCU designed to make it easy for you to assess the true costs of each type of loan.
Auto Loan Calculators
How much will your monthly car payment be? Find out how much car you can afford with this calculator.
How Much Car Can I Afford?
The car we want is not always the car we can afford. Use this calculator to enter the monthly payment you are able to make, then find out how much car you can afford.
Mortgage Payment Calculators
Mortgage Payment Calculator
This tool allows you to calculate your monthly home loan payments, using various loan terms, interest rates, and loan amounts. It includes advanced features like amortization tables and the ability to calculate a loan including property taxes, homeowners insurance & property mortgage insurance.
How Much Home Can I Afford?
This tool uses your current monthly rent payment to estimate how much loan you can afford while spending the same amount each month.
Loan Payoff Estimator
Have more money to put down on your home loan? Insert the amount you would like to pay each month and this calculator will figure how many years you save on your home loan given that additional payment versus a loan set to amortize over 30-years.
Mortgage Refinancing Calculator
Is your current interest rate on your house too high? Use this free tool to view today's best home loan refinancing rates from top lenders and estimate your savings at a lower APR (Annual Percentage Rate).
Personal Loan Calculator
Personal Loan Payment Calculator
Use this calculator to help budget for the future by estimating how much your payments will be for a personal loan.