This is your Member Reference Number (MRN). You’ll need to provide this when you make an appointment with an HERO counselor or contact your HERO by phone.

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Benefits with HII

Your HERO program offers these great resources.

Financial calculators

No more figuring out lenthy or complicated calculators by handi The financial calculators below will allow you to get answers and explore different options. Each calculator comes with easy instructions for its use.

  • How much car can I afford?
  • Is an Auto Loan or Home Equity Loan best for purchasing a car?
  • How long will it take to pay off my credit card?
  • How much do I need to save for college?
  • How much will I need to save for a major purchase?
  • How much can I afford to borrow?
  • What is my loan rate?
  • How long will it take to pay off my loan?
  • How much will my loan payments be?
  • Should I consolidate my loans?
  • Which is better for me, a traditional IRA or a roth IRA?
  • How much will my Traditional IRA be worth at retirement?
  • How much will my Roth IRA be worth at retirement?
  • How long will my retirement savings last?
  • What rate do I need to support my retirement?
  • How much do I need to fund my retirement?
  • How much can I spend each month in retirement?
  • Should i refinance?
  • How much will my fixed rate mortgage payment be?
  • How much will my adjustable rate mortgage payments be?
  • How much will my payments be for a balloon mortgage?
  • Should I rent or buy?
  • Which mortgage is better for me?
  • How much will I save by increasing my mortgage payment?
  • How much mortgage might I qualify for?
  • Should I consolidate my loans?
  • How much home can I afford?
  • What is the yield on my portfolio?
  • How can I save a million dollars?
  • What is my investment yield?
  • What is my future value worth today?
  • What will my investment be worth in the future?
  • How much could I save over time?
  • What rate would I need to earn on my savings?
  • What savings amount should I start with?
  • How much should I save each month?
  • How much can I afford to lease?
  • What will my lease residual be?
  • How much will my lease payments be?
  • What is my lease rate?