What Will It Take to Pay Off My Credit Card?

Credit card balances sometimes seem to take on a life of their own.

If you only pay the minimum due each month, you’ll want to check out this calculator. You’ll see how minimum payments can drag down your financial health. The calculator also can help you determine how much better off you'd be with a lower-rate credit card.


If you want to pay off your balance of $ in months, stop making charges to your card and make a monthly payment of $ . (If you continue to make charges, notice the effect on your calculations—and on your budget!)

Otherwise, at your current payment of $ , you will pay off your balance in months.

* This calculator is solely for informational purposes and provides reasonably accurate results; the calculations are not intended to be relied upon as actual credit payment computations.

Why bank with SAFE?

We’re a member-owned not-for-profit financial institution serving families across  the Midlands of South Carolina. Unlike big corporate banks, we work to achieve the best possible financial outcomes for our members, not for anonymous groups of shareholders. See what “family helping family” is all about as a SAFE member. You’ll enjoy: 

  • Higher dividends on savings, lower interest rates on loans, fewer fees, and more
  • Service from employees who treat you like family
  • Meaningful engagement in your community like food drives and clean-up efforts  

Am I eligible to be a member?

Search by Location 

We serve a seven-county region in South Carolina—including Clarendon, Florence, Lee, Sumter, and parts of Lexington, Richland, and Kershaw counties. If you live, work, worship, or go to school in any of those counties, you may already be eligible for SAFE membership!

Location Criteria

Search by Organization 

You are eligible to become a SAFE member if your employer, place of worship, or other association is one of the 400+ organizations with Select Employee Group (SEG) status. You also may be eligible if an immediate family member is affiliated with one of those organizations. So, if your location doesn’t already qualify you for membership with SAFE, check here!

Select Employee Groups

SAFE Credit Cards

Build credit the SAFE way. Our Visa credit card programs offer low introductory interest rates, enhanced security features, and rewards that can help put money back in your pocket.

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