Today's Current Rates | Travis Credit Union

New Auto Loans

Buying or refinancing a vehicle loan at Travis is quick, easy and can save you money. We have the products, resources and experience to get you the best rate on your vehicle loan so you can look forward to lower payments ahead.

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vehicle loan rates chart, sorted by vehicle model years, vehicle type, terms, minimum amount, APR and fee payment.
TERM IN MONTHS	MINIMUM AMOUNT	APR*	PAYMENT PER $1,000**
New Autos & Vans 2022 and newer models Up to 125% financing - includes tax, license, registration & warranty, depending on qualifications. All Terms & Conditions subject to loan approval.
Up to 36	$500.00	6.49% - 18.49%	$30.66
37 to 48	$4,000.00	6.49% - 18.49%	$23.72
49 to 60	$5,000.00	6.49% - 18.49%	$19.57
61 to 66	$5,000.00	6.59% - 18.49%	$18.11
67 to 78	$10,000.00	6.59% - 18.49%	$15.81
79 to 84	$20,000.00	6.99% - 18.49%	$15.10

*The APR (Annual Percentage Rate) for New Autos reflects a 0.25% discount for automatic payment and a 0.50% discount for being a member for more than 6 months. Rate is 0.25% higher without automatic payment and 0.50% higher if you have been a member for 6 months or less. A fee may apply when refinancing an existing TCU vehicle loan. All loan rates are based on applicant's credit history and other underwriting factors.
All loan rates are subject to change daily without notice. For vehicles older than 10 years, please contact Travis Credit Union. For more information, please call (707) 451-5350 or (800) 449-4110.
** Payment per $1,000 balance is based on an APR that is a representative rate for each product and term that is currently offered. Your rate may be lower or higher depending on your credit history and other underwriting factors.
Auto Loan: The payment examples listed are with the maximum term. For example: for a 3-year (36-month), $10,000 new auto loan at the rate of 6.49%, multiply 10 x $30.66 for a payment amount of $306.60 (loan amount / $1,000 x payment example = payment amount).
Effective Date 3/14/2023

TERM IN MONTHS	MINIMUM AMOUNT	APR*	PAYMENT PER $1,000**
Used Autos & Vans 2021 and older Up to 125% financing - includes tax, license, registration & warranty, depending on qualifications. All Terms & Conditions subject to loan approval.
Up to 36	$500.00	6.49% - 18.49%	$30.66
37 to 48	$4,000.00	6.49% - 18.49%	$23.72
49 to 60	$5,000.00	6.49% - 18.49%	$19.57
61 to 66	$5,000.00	6.59% - 18.49%	$18.11
67 to 78	$10,000.00	6.59% - 18.49%	$15.81
79 to 84	$20,000.00	6.99% - 18.49%	$15.10

TERM IN MONTHS	MINIMUM AMOUNT	APR*	PAYMENT PER $1,000**
New Motorcycles 2022 and newer models Up to 125% financing - includes tax, license, registration & warranty, depending on qualifications. All Terms & Conditions subject to loan approval.
Up to 36	$500.00	7.39% - 17.00%	$31.06
37 to 48	$4,000.00	7.39% - 17.00%	$24.13
49 to 60	$5,000.00	7.39% - 17.00%	$19.99
61 to 72	$10,000.00	7.89% - 17.50%	$17.48

TERM IN MONTHS	MINIMUM AMOUNT	APR*	PAYMENT PER $1,000**
Used Motorcycles 2013 - 2021 Models Up to 125% financing - includes tax, license, registration & warranty, depending on qualifications. All Terms & Conditions subject to loan approval.
Up to 36	$500.00	8.14% - 17.75%	$31.40
37 to 48	$4,000.00	8.14% - 17.75%	$24.48
49 to 60	$5,000.00	8.14% - 17.75%	$20.35

TERM IN MONTHS	MINIMUM AMOUNT	APR*	PAYMENT PER $1,000**
New RV, Campers, Trailers, Boats, Jetskis & Van Conversions 2022 and newer models Up to 100% financing. All Terms & Conditions are subject to loan approval. No Liens on New RV's. No Cash Out on Refinances.
Up to 36	$500.00	5.51% - 6.48%	$30.20
37 to 48	$4,000.00	5.51% - 6.48%	$23.26
49 to 60	$5,000.00	5.51% - 6.48%	$19.11
61 to 72	$15,000.00	5.51% - 6.48%	$16.35
73 to 120	$20,000.00	5.51% - 6.48%	$10.86

TERM IN MONTHS	MINIMUM AMOUNT	APR*	PAYMENT PER $1,000**
Used RVs, Campers, Trailers, Boats, Jetskis & Van Conversions 2013 - 2021 Models Up to 100% financing. All Terms & Conditions are subject to loan approval. No Liens on RV's. No Cash Out on Refinances.
Up to 36	$500.00	5.51% - 6.48%	$30.20
37 to 48	$4,000.00	5.51% - 6.48%	$23.26
49 to 60	$5,000.00	5.51% - 6.48%	$19.11
61 to 72	$15,000.00	5.51% - 6.48%	$16.35
73 to 120	$20,000.00	5.51% - 6.48%	$10.86

MINIMUM BALANCE* TO OBTAIN APY	DIVIDEND RATE	ANNUAL PERCENTAGE YIELD (APY)
Minimum Initial Deposit $50
$0 TO $999.99	0.00%	0.00%
$1,000 TO $4,999.99	0.15%	0.15%
$5,000 TO $9,999.99	0.20%	0.20%
$10,000 TO $24,999.99	0.25%	0.25%
$25,000 TO $49,999.99	0.25%	0.25%
$50,000 OR MORE	0.25%	0.25%

MINIMUM BALANCE TO OBTAIN APY	DIVIDEND RATE	ANNUAL PERCENTAGE YIELD
Prime Share Account Minimum Initial Deposit $5
$99.99 or less	0.00%	0.00%
$100.00 to $5,000.00	0.05%	0.05%
$5,000.01 to $10,000.00	0.10%	0.10%
$10,000.01 or more	0.15%	0.15%
Target Share Account Minimum Initial Deposit $0
$99.99 or less	0.00%	0.00%
$100.00 to $5,000.00	0.05%	0.05%
$5,000.01 to $10,000.00	0.10%	0.10%
$10,000.01 or more	0.15%	0.15%

TERM	DIVIDEND RATE	ANNUAL PERCENTAGE YIELD
Certificate Specials (Including IRA and CESA) Minimum Initial Deposit $500 New Money. Only New Money qualifies for the 10 and 15 Month Certificate Specials. (New Money is defined as funds not currently on deposit with Travis Credit Union).
10 months (304 days)	3.93%	4.00%
15 months (456 days)	3.20%	3.25%
Standard Certificate Accounts Minimum Initial Deposit $500
6 months (182 to 364 days)	0.90%	0.90%
12 months (365 to 729 days)	1.29%	1.30%
24 months (730 to 1094 days)	1.98%	2.00%
36 months (1095 to 1459 days)	2.08%	2.10%
48 months (1460 to 1824 days)	2.18%	2.20%
60 months (1825 or more days)	2.42%	2.45%
Laddering Certificate Accounts (Including IRA & CESA) Minimum Initial Deposit $50,000
12 months (365 to 729 days)	1.39%	1.40%
24 months (730 to 1094 days)	2.08%	2.10%
36 months (1095 to 1459 days)	2.18%	2.20%
48 months (1460 to 1824 days)	2.28%	2.30%
60 months (1825 or more days)	2.52%	2.55%
IRA & Coverdell Educational Savings Account (CESA) Certificates Minimum Initial Deposit $500
6 months (182 to 364 days)	0.90%	0.90%
12 months (365 to 729 days)	1.29%	1.30%
24 months (730 to 1094 days)	1.98%	2.00%
36 months (1095 to 1459 days)	2.08%	2.10%
48 months (1460 to 1824 days)	2.18%	2.20%
60 months (1825 or more days)	2.42%	2.45%

MINIMUM BALANCE TO OBTAIN APY	DIVIDEND RATE	ANNUAL PERCENTAGE YIELD
Coverdell Educational Savings Account (CESA) Minimum Initial Deposit $200
$200.00	0.05%	0.05%

MINIMUM BALANCE TO OBTAIN APY	DIVIDEND RATE	ANNUAL PERCENTAGE YIELD (APY)
Minimum Initial Deposit $50
$0 TO $99.99	0.00%	0.00%
$100 OR MORE	0.25%	0.25%

Ready reserve loan chart, listed by service fee categories and amounts
READY RESERVE UNSECURED LINE OF CREDIT
ANNUAL PERCENTAGE RATE (APR)¹	10.99% - 18.40% Fixed Rate
Grace period for repayment balances	None. Finance charges begin accruing on date of loan advance.
Method of computing the balance	Average Daily Balance
Annual Fee	None
Minimum Finance Charge	None²
Late Payment Fee	$15.00³
Returned Item Charge	$15.00⁴

Unsecured Computer Loan chart, sorted by loan type, amount, term, apr and payment
LOAN AMOUNT	TERM	APR*	PAYMENT PER $1000**
$500.00 - $1,000.00	24 months	9.99%	$46.14
$1,000.01 - $3,000.00	36 months	9.99%	$32.26

unsecured Teacher Loan chart, sorted by loan type, amount, term, apr and payment
LOAN AMOUNT	TERM	APR*	PAYMENT PER $1000**
$500.00 - $1,000.00	24 months	9.99%	$46.14
$1,000.01 - $3,000.00	36 months	9.99%	$32.26

MINIMUM BALANCE TO OBTAIN APY	DIVIDEND RATE	ANNUAL PERCENTAGE YIELD
Individual Retirement Account Minimum Initial Deposit $200
$200.00	0.05%	0.05%
Please see Certificate Rates for eligible IRA Certificate Rates.

MINIMUM BALANCE TO OBTAIN APY	DIVIDEND RATE	ANNUAL PERCENTAGE YIELD
Jumpstart Money Market Minimum Initial Deposit $0.00; Only new money qualifies for the Jumpstart Money Market. (New money is defined as funds not currently on deposit with Travis Credit Union)
$0 TO $1,000	3.93%	4.00%
$1,000.01 - $3,000	1.74.%	1.75%
$3,000.01 - $5,000	0.75%	0.75%
$5,000.01 OR MORE	0.00%	0.00%

MINIMUM BALANCE TO OBTAIN APY	DIVIDEND RATE	ANNUAL PERCENTAGE YIELD
Flexible Money Market Minimum Initial Deposit $1,000
$0 - $7,499.99	0.15%	0.15%
$7,500 - $24,999.99	0.20%	0.20%
$25,000 - $49,999.99	0.20%	0.20%
$50,000 - $74,999.99	0.25%	0.25%
$75,000 OR MORE	0.30%	0.30%
Jumbo Money Market Minimum Initial Deposit $100,000
$0 TO $99,999.99	0.05%	0.05%
$100,000 OR MORE	0.45%	0.45%

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