This disclosure supplements your Membership Disclosure Statement and other applicable disclosures. Please keep these documents together for your records.


A $5 deposit in a Prime Share Account and the payment of a one-time membership fee makes you a shareholder (owner) of the Credit Union.


A Target Share Account can only be opened by an established member who already has a Prime Share Account. If you make no monetary transactions in your Target Share Account for 365 consecutive days, the account will be closed and the funds will be transferred to your share savings account. If your Target Share Account has a zero balance for 90 consecutive days, the account will be closed.


For information relating to IRA and for IRS restrictions on early withdrawals and tax penalties contact any branch office or call the Member Service Center at (707) 449-4000 or toll free at (800) 877-8328.


For information relating to CESA's and for IRS restrictions on early withdrawals and tax penalties contact any branch office or call the Member Service Center at (707) 449-4000 or toll free at (800) 877-8328.

*PRIME SHARE ACCOUNT - Quarterly Low Balance Fee

Assessed if you are over 21 years of age, your combined average quarterly balances in your savings, money market, IRAs, checking and certificates owned by the same member are less than $100 and you have no outstanding TCU loan balances. The fee will also be waived regardless of balance if you have direct deposit of $500 or more each month or there are three or more monetary transactions per month of $10 or more each on your checking account.


End-of-day balances will earn different daily dividend rates depending on the applicable tier. For example, if your end-of day balance is $7,000, you would earn the dividend rate for the $5,000.01 to $10,000.00 balance range for that day on the entire balance and if next day your end-of day balance is $500, you would earn the dividend rate for the $100.00 to $5,000.00 balance range for that day on the entire balance.


Dividends begin to accrue on the business day you make a deposit regardless of whether the deposit is cash or non-cash, but do not accrue on the date of withdrawal for the amount of the withdrawal. Dividends are paid on a monthly basis on the last day of each month following the end of each dividend period. If you close your account before dividends are posted, we may credit any accrued dividends at the time you close your account.

Dividends are compounded monthly on a 365/365 basis, (366/366 basis during leap years) using the daily balance method. The dividend rate is divided by 365 days a year (366 days a year during leap years) to determine the daily periodic rate. The daily periodic rate is then calculated against the principal balance in the account each day.

At the Credit Unions discretion, we may change the dividend rate and applicable Annual Percentage Yield (APY) on your account at any time without prior notice. We advise members to periodically inquire at their branch or by calling 1-800-877-8328 or 707-449-4000 about current rates. No dividends will be paid on Cuenta de Ahorros, Memorial and Relief Accounts or Campaign Accounts.


The Annual Percentage Yield (APY) is a percentage rate that measures the total amount of dividends paid on an account based on the dividend rate and the frequency of compounding for a twelve-month period. If you withdraw dividends before this period, it may reduce your earnings.


The following terms and conditions governing your Share (savings) Accounts constitute a mutually protective service agreement between you and Travis Credit Union (the “Credit Union”). The Membership Disclosure Statement is included by reference.


The Credit Union reserves the right to change the terms and conditions of your account at any time, including the Fee Schedule. The Credit Union will advise you at least (30) calendar days in advance of the effective date of any changes that affect your account.


  1. You must open and maintain a $5 minimum balance in a Prime Share Account before you can open any other account or obtain any service from the Credit Union. Please refer to the Membership Disclosure Statement
  2. All non-cash deposits are received and credited by the Credit Union subject to final collection. Please refer to our Funds Availability Brochure.
  3. The Credit Union may refuse to accept for deposit checks that appear to have been altered, that we believe are invalid or nonnegotiable or that are not payable to you.
  4. The Credit Union reserves the right, at its sole discretion, to refuse to open a share account or to accept any further deposits to any existing account.
  5. If the only open service you have is a share savings account and the balance is zero, your account will be closed unless you make a deposit within 30 days of receiving notice on your statement. You may reopen your share savings account within 60 days of closure without having to re-qualify for membership.


All ATM, Electronic Transfers or Call-24 transactions will be reported with your regular account activity on a statement mailed to your address of record. For this reason, always keep the Credit Union informed if your mailing address changes. If you only have a Share (Savings) Account, you will receive a statement at least once each calendar quarter. You will only receive a monthly statement when ATM, Electronic Transfers or Call-24 activity has occurred. If you have an active Share Draft (checking) Account, you will automatically receive a statement each month, even if no ATM or Call-24 activity has occurred.

Statements are mailed at the convenience of the Credit Union, usually near the beginning of the month. If you would like a statement prior to the time one is normally furnished, you can request a printout of account history from the branch. The charge for this special printout service is listed on the Fee Schedule.


Travis Credit Union reserves the right to require 60 days written notice of your intention to withdraw or transfer shares. Withdrawals from an Individual Retirement Account that result in the closure of the IRA plan will subject the account to an IRA Transfer or Closure Fee. Please refer to our Fee Schedule for additional information regarding this fee.

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

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Forbes Top 10 Credit Unions in California Award
Desjardins Financial Education Award, 1st place nationwide, adult and youth
US Air Force Distinguished Credit Union of the Year
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This Credit Union is federally insured by the National Credit Union Administration.