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Personal Loans

A Travis Credit Union personal loan is a signature loan that can be used for various purposes. We offer a Ready Reserve Unsecured Line-of-Credit Loan, as well as Computer Loans and Teacher Supply Loans.

These amortizing loans provide you with the financial flexibility to keep up with life’s changes. You can save money with low rates and flexible terms. Enjoy quick loan processing.

 

Ready Reserve Unsecured line-of-credit

This low-rate, smart loan with limits up to $25,000 requires no collateral and gives you the flexibility to access your funds. Use it for overdraft protection to your TCU checking account. Limits are determined by credit worthiness and other factors.

 

Computers

When it’s time to upgrade, we’ve got the computer loan to get your new technology. Borrow from $500 to $3,000.

 

Teacher Supplies

Our low-rate Teacher Supplies loan lets you borrow from $500 to $3,000.

 

Applying is easy

You can apply for a loan online, at any of our branches or by calling (707) 449-4000 or (800) 877-8328.

Check Rates Apply Online


Ready Reserve Overdraft Line of Credit

The Ready Reserve Overdraft Line of Credit is an unsecured revolving loan that you can link to your checking accounts as a source of Overdraft Protection. This product provides a safety net in the event that you need emergency funds for your checking account. In the event your checking account becomes overdrawn, your Ready Reserve Overdraft Line of Credit will protect your checking account by transferring funds in $100 increments to cover the overdraft.

Apply Online for Ready Reserve


Frequently Asked Questions (FAQs)

What is a Ready Reserve Overdraft Line of Credit?
The Ready Reserve Overdraft Line of Credit is an unsecured revolving loan that you can link to your checking accounts as a source of Overdraft Protection. This product provides a safety net in the event that you need emergency funds for your checking account.

How does the Ready Reserve Overdraft Line of Credit work?
In the event your checking account becomes overdrawn, your Ready Reserve Overdraft Line of Credit will protect your checking account by transferring funds in $100 increments to cover the overdraft.

What if I have more than one checking account? Can I use this product for more than one checking account?
Yes, this product can be linked to multiple checking accounts – you just have to be the primary owner on the checking account that gets linked.

Does this Line of Credit report to the Credit Bureaus?
Yes, this is an Active Revolving Loan, and will be reported to all three major credit reporting bureaus. This means that we can help you establish new positive credit, even if you are not using the overdraft protection.

So, how much do I have to pay to have this Ready Reserve Overdraft Line of Credit?
This product is designed to save you money – there are no annual fees, no overdraft transfer fees or monthly service fees. This is a loan, so there could be interest charges associated with it, however, you can avoid paying interest entirely by paying off your balance in full before the 30th of the following month.

How do I pay it back?
The easiest way to make payments is through your Online Banking. You can also make payments in person at a branch or over the phone.

How much is the payment and when is it due?
If you choose to make monthly payments on the balance, a minimum payment of $20 or 2% of the balance is required monthly and is due by the 30th of the following month.

Will I get a separate statement in the mail for this product?
The statement for the Ready Reserve Overdraft Line of Credit will be located on your regular monthly banking statement. Please remember to sign up for e-Statements to have quick access to your bank statements online at all times.