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At Ciera Bank, we believe that informed financial decisions are the foundation of a secure and prosperous future. Our suite of banking and personal financial calculators is designed to help you plan, budget, and manage your finances with confidence.
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Calculate Your Loan Payment
Enter the term, rate, and loan amount; the loan payment will be calculated for you.
*The accuracy of this calculator and its applicability to your circumstances is not guaranteed. Results should be discussed with a qualified professional before any product purchases or loan commitments are made.
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Loan Afford Calculator
Enter the term, rate, and desired payment; the loan total will be calculated for you.
*The accuracy of this calculator and its applicability to your circumstances is not guaranteed. Results should be discussed with a qualified professional before any product purchases or loan commitments are made.
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Calculate your Interest and Savings
This calculator will show you how much you can save if you make half of your mortgage payment every two weeks instead of making a full mortgage payment once a month. In effect, you are making one extra mortgage payment per year!
$0.00$0.00$0.00The accuracy of this calculator and its applicability to your circumstances is not guaranteed. Results should be discussed with a qualified professional before any product purchases or loan commitments are made.
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Refinance
This calculator will help you to decide whether or not you should refinance your current mortgage at a lower interest rate. Not only will this calculator calculate the monthly payment and net interest savings, but it will also calculate how many months it will take to break even on the closing costs.
Your Current Mortgage Information
Refinancing Information
If you are unsure, multiply your current balance owed by 0.3.
$0.00$0.000$0.00$0.00$0.00$0.00*The accuracy of this calculator and its applicability to your circumstances is not guaranteed. Results should be discussed with a qualified professional before any product purchases or loan commitments are made.
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See How Much You Can Save
To calculate the future value of a one-time, lump-sum investment, enter the dollar amount invested, the interest rate you expect to earn, and the number of years you expect to let the investment grow, then click the "Compute" button.
$0.00$0.00The accuracy of this calculator and its applicability to your circumstances is not guaranteed. Results should be discussed with a qualified professional before any product purchases or loan commitments are made.
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Build Your Savings Calculator
To calculate the future value of a monthly investment, enter the beginning balance, the monthly dollar amount you plan to deposit, the interest rate you expect to earn, and the number of years you expect to continue making monthly deposits, then click the "Compute" button.
$0.00$0.00*The accuracy of this calculator and its applicability to your circumstances is not guaranteed. Results should be discussed with a qualified professional before any product purchases or loan commitments are made.