BETTER FOR YOU

No Point, No Fee Home Loan options, low interest rates and up to 100% mortgage financing for qualified buyers.

MORTGAGES 100% FINANCING HOME REFINANCE


Refi rates as low as 3.894% APR*
for a No Points, No Fees 5/1 ARM 30-year Refinance

Today's Refinance Rates

Loan Type Rate APR
No Points, No Fees 5/1 ARM 30 year Refinance*
45 day lock.
4.375% 3.894%
No Points, No Fees 7/1 ARM 30 year Refinance*
45 day lock.
4.500% 4.435%
15 year Fixed Refinance**
45 day lock
3.750% 3.832%
30 year Fixed Refinance**
45 day lock.
4.375% 4.423%
View All Rates
Rates subject to change. Click product for rates, terms & conditions.

We make refinancing your home easy

Not sure which loan is right for you? Our Loan Consultants walk you through all the important steps of determining which mortgage best fits your needs. Refinancing can be a helpful tool for home improvement, debt consolidation or simply lowering your monthly payment.

1st Icon - No Points, No Fees

NO POINTS, NO FEES OPTION

2nd Icon - Competitive Low Rates

COMPETITIVE
LOW RATES

3rd Icon - In-House Loan Approvals

IN-HOUSE LOAN
APPROVALS


FINANCIAL SERVICES, PRODUCTS AND ADVICE TO MAKE YOUR LIFE BETTER

two-story house front lawn

HOME REFINANCE

We finance new homes and refinance current homes. With in-house loan approvals and a single contact throughout the process, Travis is a smart home loan decision.

woman holding a Visa card

CREDIT CARDS

Our Visa® credit cards have the features you need to make smart consumer choices. Low rates, overdraft protection and 24-hour account access are just a few attractive features.

passenger in a car looking out the window

AUTO LOANS

Our competitive low rates mean you could be saving money on your auto loan from the day you drive off the lot.

 

FIND A BRANCH COME VISIT US AND SEE HOW WE CAN HELP


BETTER FOR YOUR COMMUNITY

Membership matters. Your money stays local and we put it to good use by providing free financial education, financial literacy and financial advocacy benefiting the entire community.

$1,068,081,167

TCU’s cumulative economic impact to the local counties we serve*

$4,630,000

In excess of $4.6 million paid each year in payroll, property, personal property, and state sales taxes

164

Free community seminars in 2016

11,835

Hours of personal time volunteered in 2016

9,038

Students reached through financial literacy efforts in 2016

628

Employees, full– and part–time with an annual payroll of more than $36,000,000

12,560 lbs.

Food donated by TCU employees and members, which equated to 10,446 meals and 3,482 families fed

486 Charities

Community events and local causes sponsored and/or participated in by TCU during 2016


IF YOU LIVE HERE, YOU CAN BANK HERE

Who can join Travis? Everyone who lives, works, worships or attends school in our 12 county area is eligible: Solano, Yolo, Contra Costa, Merced, Napa, Alameda, Colusa, Placer, Sacramento, San Joaquin, Sonoma and Stanislaus. Membership is also available to military and civilian personnel of Travis Air Force Base as well as immediate family of current members.

GET MORE MILEAGE OUT OF MEMBERSHIP OPEN AN ACCOUNT


*APR=Annual Percentage Rate subject to change daily until locked. ARM rates are variable, may increase or decrease during the life of the loan. No Points, No Fees 5/1 ARM 30-year refinance: As low as 3.894% APR for $250,000 loan based on 80% loan-to-value or less and credit approval, monthly payment is $1,248.21 for months 1-60;  $1,154.03 for months 61-359; and $1,151.90 for month 360. 5/1 ARMs are fixed for the first 5 years, subject to change annually thereafter, and have the following interest rate adjustment caps: 2% maximum initial adjustment, 2% maximum on adjustments thereafter, and 5% lifetime interest rate cap. No Points, No Fees 7/1 ARM 30-year: As low as 4.435% APR for $250,000 loan at 80% LTV, monthly payment is $1,266.71 for months 1-84; $1,251.63 for months 85-359; and $1,250.02 for month 360. ARM loans are amortized over a 30-year term. 7/1 ARMs are fixed for the first 7 years, subject to change annually thereafter, and have the following interest rate adjustment caps: 5% maximum initial adjustment, 2% maximum on adjustments thereafter, and 5% lifetime interest rate cap.

**15-year fixed refinance: As low as 3.832% APR for $250,000 loan based on 80% loan-to-value or less and credit approval, monthly payment is $1,818.06 for months 1-179; $1,817.16 for month 180. 30-year fixed refinance: As low as 4.423% APR for $250,000 loan at 80% LTV, monthly payment is $1,248.21 for months 1-359; $1,250.58 for month 360. The rate may vary depending on each individual’s credit history and underwriting factors. Financing available up to $424,100 (or the conforming loan limit for your county) for owner-occupied California primary residence properties only. Property insurance required. Other restrictions may apply. Payment examples do not include taxes and insurance. If an impound account for taxes and insurance is desired, you are responsible for those set-up amounts and any charges assessed by your current lender such as reconveyance fees, payoff demand fees, prepayment penalties and any interim interest collected at closing. Please consult your tax advisor regarding the deductibility of interest and charges.

The “Prime Alliance” links are provided as a convenient connection between the websites belonging to Travis Credit Union and its business partner. The policies and procedures in use at our business partner may differ from those in use at Travis Credit Union. Travis Credit Union is not responsible for the content contained in our business partner website.


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NMLS #643926

This credit union is federally insured by the National Credit Union Administration.

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We value your membership and your privacy is very important to us.

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Routing Number - 321170839

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