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*We Saved Our Members total is an estimate. When a member refinances a loan, we calculate what their finance charges would have been if they keep the loan to term using the rate, term, and balance. Then we calculate the finance charges of the new loan using the new rate, term, and balance. Then we subtract new loan finance charge from the old loan finance charge to calculate the amount the member saved on finance charges. We collect this information for all refinanced loans each calendar year and then share this number with the members. Federally insured by the NCUA. Equal House Opportunity.