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System Maintenance Notice: Due to system maintenance, Digital Banking may be intermittently unavailable beginning Saturday, August 17, 2019 at 10:00pm - 4:30am ET on Sunday.
Scheduled Maintenance : Due to system maintnenace, Digital Banking may be intermittently unavailable beginning Sunday, July 28, 2019  at 12:30am - 4:30am EST.
HOLIDAY CLOSING: In observance of Memorial Day, we will be closed Monday, May 27, 2019. Online banking and the Tru2Go Mobile App are available 24 hours a day to manage your account, complete transactions, apply for a loan or become a member.
calculators

Business Services Calculators

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  • Business Services
  • We provide an array of financial calculators to help you make the best decisions when it comes to managing your personal and business finances.

    Break Even Analysis Calculator

    • This calculator is designed to demonstrate how many units of your product must be sold to make a profit.

    Business Debt Consolidation Calculator

    • Should you consolidate your debt? This calculator is designed to help determine if debt consolidation is right for you.

    Discounted Cash Flow Calculator

    • This calculator helps you determine the value of your future cash flows discounted in today's dollars at your Weighted Average Cost of Capital (WACC).

    Cash Flow Calculator

    • What is the cash flow of my business? This calculator will help you to determine the cash flow generated by your business to cover your operating expenses.

    Debt Service Coverage Calculator

    • This calculator will help you determine your debt service and illustrates how debt service coverage ratios are impacted by changing income and capital assumptions.

    Financial Ratios Calculator

    • This calculator is designed to show you 10 different financial ratios. Financial ratios are used as indicators that allow you to zero in on areas of your business that may need attention such as solvency, liquidity, operational efficiency and profitability.

    Working Capital Needs Calculator

    • Your working capital is used to pay short-term obligations such as your accounts payable and buying inventory. This calculator assists you in determining working capital needs for the next year.

    Amortizing Loan Calculator

    • This calculator will help your to determine the amount of a payment for a specific loan amount or you can determine the amount of a new loan based on the desired payment you enter.

    Loan Comparison Calculator

    • Use this calculator to sort through the monthly payments, fees and other costs associated with getting a new loan. By comparing these important variables side by side, this calculator can help you pick the loan that works best for you.

    Commercial Loan Calculator

    • Use this calculator to estimate your debt service coverage with a new commercial loan.

    Balloon Loan Calculator

    • Use this balloon mortgage calculator to view the change in principal over the life of the mortgage.