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Calculators

Our calculators include a "what if" analysis for figuring loan payments or equity in your home, or how much you can afford for a major purchase. You will also find calculators for estimating how much you will need for retirement and how to achieve your financial goals.

Auto

How much car can I afford?

Should I lease or purchase a car?

How much will my auto payments be?

Should I take a rebate or low-cost financing?

Should I accelerate my auto payments?

Savings

How long will it take to become a millionaire?

How long until I reach my savings goal?

How much should I save for college?

How can I save for a big ticket item?

How much will my CD be worth at maturity?

How do taxes and inflation affect my savings?

Credit

How loan will it take to pay off my credit card(s)?

How long will it take to pay off my loan?

Should I consolidate my debits?

How will extra payments affect my loan?

Loan Payment Calculator

Mortgage

How much home can I afford?

How much of a down payment should I make on my new home?

What is the Loan to Value Ratio of my home?

Comparing mortgages (i.e. 15, 20, 30 year).

Mortgage Payment Calculator

Should I refinance my home?

Should I pay discount points?

Should I make extra payments on my mortgage?

Retirement

How much will I need to save for retirement?

How much will I receive in Social Security?

I'm retired, how long will my savings last?

How much can I save with my 401(k)?

Compare Roth 401(k) and Traditional 401(k) retirement savings plans.

How much will inflation affect my retirement?

 

Special ATM Access

International Use of ATMs is now available in most countries.  Due to extensive fraud on international ATMs, the processing of ATM activity outside the U.S., Canada, and Mexico is monitored closely. If you plan to travel outside of the U.S. in the near future, we recommend that you please contact us for additional information and/or travel cash alternative.

Attn. Kern County Residents!

You can be a member of Kern FCU if you live, work, worship or go to school in Kern County.

The people that work at Kern FCU will show you personal quality service anytime… anywhere.

You can count on us when buying a car, home, or seeking big returns on your savings. It's where you belong… at Kern FCU.

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