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Financial Calculators


*The loan calculator is intended to provide approximate loan payment information and does not constitute an offer to extend credit. Your actual payment information may vary.

Monthly Payment Estimator
Estimate monthly mortgage payments for any size loan with this handy calculator. Change interest rates, length of loan, even add prepayments if you desire. This calculator also allows you to view or print an amortization schedule of the results.
Affordability Calculator
How much house can you afford? Find out quickly by running this calculator, which determines the maximum loan you can expect to qualify for, based upon your income and expenses.
Minimum Income Calculator
Calculate the lowest level of income needed to secure a particular home loan. This calculator takes into account a number of options, so you can compare the effects of different loan types on an average mortgage.
Prepayment Calculator
Many mortgages allow you to prepay your principal. Run your numbers through this calculator to find out how quickly prepayments can reduce your principal. A few extra dollars a month can substantially reduce the total length of your mortgage term.
Refinance Calculator
Use this calculator to decide whether or not this is a good time to refinance your loan.
Improve or Move Calculator
Use this calculator to compare the cost of improving your existing home with the cost of buying a new home.
Rent vs. Buy Calculator
If you are currently renting, use this calculator as a tool to see if now is a good time for you to purchase a home.
Biweekly Payment Estimator
Estimate bi-weekly mortgage payments for any size loan with this handy calculator. Change interest rates, length of loan, even add prepayments if you desire. This calculator also allows you to view or print an amortization schedule of the results.
 

Featured Rates

New Auto Loan

2.50%APR
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  • 60 Month Certificate

    1.50%APY*
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    Holiday Loan Special

    as low as 5.99%APR
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    Apply Online

    Life's constant changes demand that you have financial flexibility, and there's no easier way to get it than here at your personal loan company – Merritt Federal Credit Union.


    Save money with today's best personal loan rate, lower your payments to ease the strain on your monthly budget, simplify your life, handle emergencies with ease and gain flexibility with loans you can use for any expense – from vacations, to education, to special purchases

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    Why Choose Merritt FCU?

    Membership eligibility is open to SNET, AT&T, Lucent and NyNex employees and their families in Fairfield County. We encourage all of our members to take advantage of the many services that we make available to them.


    Not a member yet? Credit Union membership has its privileges. Here's how you can benefit from using Merritt Federal Employees Federal Credit Union.

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    We Are On Facebook

    Merritt Federal Credit Union has created a Facebook page to better communicate news and events with our members. Please connect with us on Facebook.

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    Stay Safe From Fraud

    Our members expect more convenience, personalization, accessibility and ease of use via web, mobile, social and in-person. At Merritt FCU, we have expanded our fraud prevention resources to meet evolving member expectations.


    Today's trends require a new approach that anticipates, recognizes and services everyone's individual needs. Technology does not prevent human mistakes. You also need a consumer education solution that will help you make less mistakes. As your trusted advisor, we'll expand your understanding of how to stay safe from fraud.

    Get Good Advice & Safety Tips