Thinking outside the box can save you a bundle.

With bi-weekly loan payments, you can cut thousands from your loan interest charges and eliminate debt years ahead of schedule.

You've probably heard the phrase, "Divide and conquer." That's a good strategy for paying off your Fox loans. By dividing your scheduled monthly payment in half and then sending that amount every two weeks, you can enjoy significant long-term savings.

  • 26 half-payments are made each year rather than 12 full payments
  • The result is one full extra payment to the loan each year
  • Principal balance is reduced every two weeks instead of monthly
  • The lifespan of your loan is reduced.

This chart illustrates your savings using the bi-weekly payment option.

Home Loan Amount Payment Re-paid In Interest Savings!
$100,000$521.65 Monthly30 Years$87,794N/A
$100,000$261.00 Bi-weekly25 Years, 4 Months$58,688$29,106 in interest and 4.5 years of payments
$100,000$300 Bi-weekly (Rounded up to nearest $100)19 Years, 9 Months$42,200$45,594 in interest and over 10 years in payments

Fox Communities Credit Union is a full-service, not-for-profit financial institution serving members throughout Wisconsin.

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All calculations are based on a 30-year fixed rate home loan at 4.75% APR.


APR=annual percentage rate. Rates subject to change and may be based on credit score.


Certain restrictions apply.