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Credit Union Calculators
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Answer your members' questions and make their decisions easier with Credit Union Calculators. With Credit Union Calculators on your site, your members will have easy access to reliable financial guidance. They'll feel more confident in their decisions and return to your Web site for answers to other questions and information about your products and services.

These calculators are easy to add to your site and simple for members to use. Members input answers to straightforward questions, and can easily review rates, terms, and payments using a "What If" tab.

16 Popular Calculators Cover Four Key Categories
Mortgages —clarify early mortgage decisions with calculators that check budgets and compare costs:

• How much house do I qualify for?
• How much house does a given monthly payment buy?
• What's the monthly payment?
• Will refinancing save money?
• Compare monthly and biweekly payments?

Auto —make sure members know what they can afford, and help them pick the best financing option.

• How much car can I afford?
• What would my monthly payments be?
• Which loan costs more?
• Should I lease or purchase?
• Take the rebate or the special financing?

Savings —make sure members are saving enough to reach their goals:

• What would my savings be worth?
• When will my savings goal be met?
• How long to become a millionaire?

Loans —help members manage their debts:

• Paying off a charge account
• Paying off a loan
• Simple monthly payment calculator

"What If?" Feature Answers More Member Questions
The Credit Union Calculators "What If" feature makes these calculators more useful to members by giving them scenario options. Members don't need to start over and create several different options on their own. Members are given several "What If" options automatically once they input their desired option. Members will save time and appreciate the ease of use of your calculators.

Ordering & Set-Up Are Simple
To get started, just complete the subscription form. We'll contact you by telephone to get the Credit Union Calculators set up exactly the way you want. We handle all the details. These calculators will blend with the rest of your site, so don't worry about conflicting styles or site designs.

If you have questions, or would like more information, send us an e-mail or call Darlene Brightbill at 800-356-9655, ext. 4344.

Credit Union Calculators can be added to your site in less than 30 minutes for only $850 per year.

Make Your Calculators Sell
Credit Union Calculators use your site's navigation, so it's easy to direct Web visitors from the calculators to your saving and lending products and services. Make the calculators work for you by creating awareness at every chance:

• Add a calculators page link to your home page.
• Add links to calculator categories from your pages focusing on mortgages, autos, savings, and loans.
• Mention your new calculators in your member newsletter.
• Announce calculators on your home page.
• Have tellers and member service representatives mention calculators to visitors.
• Advertise calculators in your on-hold phone messages.
• Mention calculators at the bottom of Visa and account activity statements.
• Encourage sponsor groups to mention calculators in employee newsletters and intranets.

Unique Features
Online calculators make excellent use of a Web site’s ability to interact with a user. Adding calculators to your site can engage members and hold them at your site longer.

If your credit union site already has some calculators, consider these reasons for adding more or switching.

Design blends with your site. Calculators are embedded in your page, surrounded by your logo and links. The only branding on these calculators is that of your credit union.

Credit Union Calculators relate to the products and services you offer. We provide 16 calculators across four key categories to promote your products and services. We also respond to changes in the marketplace. Last fall, we added the "Take the rebate or special financing?" calculator in response to 0% automaker-sponsored financing.

Multiple linking possible. Link to the entire suite of calculators or any subsection from as many places on your site as you like.

Subscription includes installation. We create a calculator page to match your site. We test the page and make adjustments until you’re satisfied. Then, your credit union (or Web site host) links to this page from news, navigation bars, graphics, or basic hypertext throughout your site. Once installed, we maintain and update the calculators daily for you.

Easy to use. These calculators are simple to complete. If a member hits "Calculate" before entering the required information, a message pops up to offer direction. For detailed calculations, members have the option of entering a rough estimate or completing an online worksheet to find a precise amount.

"What If" option saves rekeying. Most of our calculators offer a "What If" tab, which displays tables of results based on variables such as loan term, rate, and downpayment, saving your members from clearing out the calculator and entering new values.

Payment schedules included. These calculators offer more than just an answer; for loans, they generate payment schedules showing such details as payment amount, remaining amount owed, principal paid, interest paid, and cumulative interest paid.

Defaults updated daily, automatically. Savings calculators invite members to use the current consumer or producer price index to compute the effects of inflation. We load current rates each weekday for you.

Affordable. A suite of online calculators from other vendors can run as high as $13,000 annually. If you have a programmer on-staff, you know that creating, maintaining, and updating default data daily would involve hundreds of hours. Since CUNA can share the cost of creating and maintaining calculators across all our subscribers, you save. This suite of 16 calculators is only $850 annually, including installation.

Involve the Staff
Credit Union Calculators are not just for members. After you introduce these calculators to your staff, they’ll find many uses in their one-on-one contact with members.

To get your staff interested in using calculators, demonstrate them at a staff meeting. Then hold a contest—invite staff to complete the "What would my monthly auto payments be?" calculator using the defaults, but entering your credit union’s current new car rate. Draw a winner from the correct entries.

Here are just a few ways your staff can use online calculators:

• Alert all members inquiring about mortgages to the online calculators.
• Walk first-time home buyers through "How much house do I qualify for?" and print off results and "What If" options.
• In your auto lending promotions, steer members to the "Take the rebate or the special financing?" calculator to demonstrate how your loan can beat low-rate dealer financing.
• Introduce the savings calculators at retirement and college planning seminars.
• Use in one-on-one meetings with members to illustrate options by selecting the "What If" tab.

More Online Content
Calculators are a great addition to a credit union Web site. CUNA provides other online content products to meet the various needs of credit unions. All provide credit union-specific content that is professionally researched, written, and designed. Click on any image below for details.