Mortgage Comparison
Calculator

This calculator compares two mortgage options based on the loan amount, interest rate, and term you enter for each. For the most realistic comparison, use rates from a recent quote or pre-approval, and keep the loan amount the same so the difference comes down to rate and term.

Choosing between a 15-year and 30-year mortgage comes down to what matters most to your budget right now. A 15-year term usually means a higher monthly payment and far less interest, while a 30-year term keeps your payment lower and leaves more breathing room each month.

You can use this calculator to compare your current mortgage with a refinance by entering both rates and terms. CCCU refinance options can help you lower your monthly payment, lock in a better rate, or shorten your term.