Our members benefit from low interest rates on personal loans, auto loans, home equity loans, and much more. Call us and let’s get started!
Learn More ➤This calculator assumes
a fixed rate loan. Please complete all fields to perform
the calculation. Please check with your bank before
making a decision on the basis of this calculator, since
your bank may use a different method of calculating
the interest and payment.
| Beginning Balance |
Payment | Interest | Principal | Ending Balance |
|
|---|---|---|---|---|---|
| 1 | $10000.00 | $ 450.00 | $ 62.50 | $ 387.50 | $ 9612.50 |
| 2 | $ 9612.50 | $ 450.00 | $ 60.08 | $ 389.92 | $ 9222.59 |
| 3 | $ 9222.59 | $ 450.00 | $ 57.64 | $ 392.35 | $ 8830.23 |
| 4 | $ 8830.23 | $ 450.00 | $ 55.19 | $ 394.81 | $ 8435.42 |
| 5 | $ 8435.42 | $ 450.00 | $ 52.72 | $ 397.27 | $ 8038.15 |
| 6 | $ 8038.15 | $ 450.00 | $ 50.24 | $ 399.76 | $ 7638.39 |
| 7 | $ 7638.39 | $ 450.00 | $ 47.74 | $ 402.26 | $ 7236.14 |
| 8 | $ 7236.14 | $ 450.00 | $ 45.23 | $ 404.77 | $ 6831.37 |
| 9 | $ 6831.37 | $ 450.00 | $ 42.70 | $ 407.30 | $ 6424.07 |
| 10 | $ 6424.07 | $ 450.00 | $ 40.15 | $ 409.85 | $ 6014.22 |
| 11 | $ 6014.22 | $ 450.00 | $ 37.59 | $ 412.41 | $ 5601.81 |
| 12 | $ 5601.81 | $ 450.00 | $ 35.01 | $ 414.98 | $ 5186.83 |
| 13 | $ 5186.83 | $ 450.00 | $ 32.42 | $ 417.58 | $ 4769.25 |
| 14 | $ 4769.25 | $ 450.00 | $ 29.81 | $ 420.19 | $ 4349.06 |
| 15 | $ 4349.06 | $ 450.00 | $ 27.18 | $ 422.81 | $ 3926.25 |
| 16 | $ 3926.25 | $ 450.00 | $ 24.54 | $ 425.46 | $ 3500.79 |
| 17 | $ 3500.79 | $ 450.00 | $ 21.88 | $ 428.12 | $ 3072.68 |
| 18 | $ 3072.68 | $ 450.00 | $ 19.20 | $ 430.79 | $ 2641.88 |
| 19 | $ 2641.88 | $ 450.00 | $ 16.51 | $ 433.48 | $ 2208.40 |
| 20 | $ 2208.40 | $ 450.00 | $ 13.80 | $ 436.19 | $ 1772.21 |
| 21 | $ 1772.21 | $ 450.00 | $ 11.08 | $ 438.92 | $ 1333.29 |
| 22 | $ 1333.29 | $ 450.00 | $ 8.33 | $ 441.66 | $ 891.62 |
| 23 | $ 891.62 | $ 450.00 | $ 5.57 | $ 444.42 | $ 447.20 |
| 24 | $ 447.20 | $ 450.00 | $ 2.80 | $ 447.20 | $ 0.00 |
| TOTALS | $10799.90 | $ 799.90 | $10000.00 |
Based on a 365 day year, simple interest loan.
Slight variations may occur due to loan structure or calendar year basis.
ROUTING NUMBER: 311989645
Credit Cards
1-800-599-7889
ATM/Debit Cards
1-833-337-6075
Main Branch
Phone: 903-882-4343
Fax: 903-882-4279
Rice Branch
Phone: 903-509-8435
Fax: 903-509-8444
Toll-Free: 888-448-7328
Monday - Friday: 8:30 am - 5:00 pm
Saturday: 8:30 am - 12:00 pm
We provide links to third party partners, independent from Keystone Credit Union. These links are provided only as convenience. We do not manage the content of those websites. The privacy and security policies of external websites will differ from those of Keystone Credit Union.
© 2025 Keystone Credit Union | Privacy Policy | Sitemap | Complaint Notice | Download Adobe Reader | GroupM7 Design™