1st NC Bank

Financial Tools

Want to know what the future value of a CD investment will be? Or how much you might save by refinancing a mortgage? Use the handy financial calculators below to find out.

Results obtained are for illustrative and informational purposes only.

Future Value Calculator

This calculator will show you how much interest you will earn over a given period of time; at any given interest rate; based on an initial investment plus a fixed monthly addition. The calculator compounds monthly and assumes deposits are made at the beginning of each month.

Initial Investment Monthly Addition Interest Rate Number of Years Future Value Interest Earned

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Loan Comparison Calculator

Provides a monthly payment comparison of up to four different loans of varying interest rates and terms.

Instructions: To calculate the payment amount and the total interest of any fixed term loan, simply fill in the 3 left-hand cells of the first row and then click on "compute." Use the other three rows to see what effects are produced by changing any one of the loan's original variables.

# of Payments Interest Rate Principal Monthly payment Total Interest

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Mortgage Refinancing Calculator

The Mortgage Refinancing 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.

Enter the principal balance of your mortgage:
(call your mortgage lender and ask for the current payoff amount)
Enter the amount of your monthly mortgage payment:
(principal and interest portion only)
Enter the your mortgage's current interest rate:
Enter interest rate you will be refinancing at:
Enter the number of years you will be refinancing for:
Enter the closing costs that will be required for refinancing:
This is how much your monthly payment will be if you refinance:
Monthly Savings:
Number of months to break even on closing costs:
This is how much interest you will pay under your current monthly payment plan:
This is how much interest you will pay under your refinanced monthly payment plan:
This is how much interest you will save if you refinance:
Net Refinancing Savings (interest savings less closing costs):

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Miles per Gallon Calculator

This calculator will compute your car's miles per gallon and forecast your gasoline expense for one month and for one year. It also allows you to see how much money you would save if you were driving a car that got better gas mileage.

Beginning Odometer Reading Ending Odometer Reading # of Gallons Pumped This Fill Local Cost of One Gallon of Gas Average # of Miles Driven Per Day MPG Gas Expense Per Month Gas Expense Per Year
Enter a higher Miles Per Gallon figure for comparison:
Results:

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1st National Community Bank | 16924 St. Clair Avenue | East Liverpool, OH 43920 | Phone: 330/385-9200 | Fax: 330/386-7452

Copyright 2006 1st National Community Bank. All rights reserved. Equal Housing Lender - Member FDIC.