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Calculators
Please fill in only the areas above the line. Your results will appear below when you click "Calculate."
Auto Loan Versus Rebate Calculator
The amount I need to borrow is:
 $
The Dealer's cash rebate:
 $
Teaser Financing Available From Dealership
The advertised annual percentage rate:
   %
Term of teaser loan:
   months
Standard Financing Available From FOCUS
Our annual percentage rate
   %
Term of our loan
   months

With a purchase price of , and an annual interest rate of %, a month loan will result in a dealer payment of about per month. The total amount paid after interest will be . Some members may want to take advantage of features like life and disability insurance, warranties or GAP waivers. If you finance any of these features through the dealership, you will probably end up paying a lot more than you would at a credit union thereby increasing the total finance charges of the Dealer's package.

Applying the dealer cash rebate of to the purchase price reduces our loan amount to With our annual interest rate of % our month loan will have a payment of about per month. The total amount paid after interest will be .

The Credit Union does not guarantee the accuracy of the calculations, and assumes no liability for their inaccuracy.
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Current Rates
Loan APR%
Fully Secured (72) 6.50 - 18.00
Fully Secured (60) 6.25 - 18.00
Fully Secured (48) 6.00 - 18.00
Fully Secured (36) 5.75 - 18.00
Fully Secured (24) 5.50 - 18.00
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