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Mid-State Bank
Welcome former Mid-State Bank & Trust Customers and all customers in San Luis Obispo, Santa Barbara and Ventura counties.
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Personal
> Financial Tools
Financial Tools
Auto Loans
Should I lease or purchase?
Should I finance or pay cash?
How much will my monthly payments be?
What term of loan should I choose?
Should I use a home equity loan or an auto loan?
What car can I afford?
Budget
How much am I spending?
Should I pay off debt or invest in savings?
What will it take to pay off my balance?
How much should I set aside for emergencies?
How much will it cost to raise a child?
What's it worth to reduce my spending?
Should my spouse work too?
Credit Card
How important is the interest rate?
How will rate changes affect my balance?
What will it take to pay off my balance?
Should I consolidate my debts?
Should I consolidate my credit cards?
Home Equity
How large a line of credit can I obtain?
Should I use a home equity loan or an auto loan?
How much will my payments be?
What will my tax savings be?
What will it take to pay off my line of credit?
Mortgage Loans
How much can I borrow?
How much will my payments be?
How much will adjustable rate payments be?
Which is better: fixed or adjustable?
Should I pay points to lower the rate?
Am I better off renting?
Am I better off refinancing?
Which loan is better?
How advantageous are extra payments?
What house can I afford?
Which is better: 15 or 30 year term?
How much can I save in taxes?
What will my closing costs be?
What will my refinancing costs be?
How can I reduce mortgage insurance costs?
Retirement
What will my expenses be after I retire?
Am I saving enough? What can I change?
How will this account be used?
What will I earn with this account?
How advantageous is increasing my savings?
Which savings or income sources will be the largest?
How much can I invest before taxes each year?
What if I underestimate my expenses?
What will my income be after I retire?
What will my expenses be after I retire?
What happens if tax laws change?
How much effect can inflation have?
Which savings should be used first?
How much will Social Security provide?
What if Social Security no longer exists?
Roth IRA
Which will provide the most retirement income?
How will changes in my tax rate affect the decision?
What amount am I allowed to contribute?
What option is best for estate planning?
When should I begin saving?
How will a large withdrawal affect the decision?
Should I convert my IRA into a Roth IRA?
Savings
How much will my savings be worth?
What will it take to save for a car, home, etc.?
What will it take to save for a college education?
How will taxes and inflation affect my savings?
How much difference will the rate make?
How much will my CD be worth at maturity?