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Competitive rates---

on the products you need.

Shop and compare our competitive rates on auto and home loans. You'll find that our low interest rates, excellent service and financial strength are all great reasons to come back to us for all your lending needs.

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Share Savings, IRA Savings, Coverdell and Ultimate Rewards

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Share Savings, IRA Savings, Coverdell and Ultimate Rewards

Effective Date 3/9/2014

ACCOUNT TYPE	MINIMUM BALANCE TO OBTAIN APY	DIVIDEND RATE	ANNUAL PERCENTAGE YIELD
Prime Share Account Minimum Inital 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	0.05%	0.05%
	$10,000.01 or more	0.05%	0.05%
Target Share Account Minimum Inital 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	0.05%	0.05%
	$10,000.01 or more	0.05%	0.05%
Individual Retirement Account Minimum Inital Deposit $200	$200.00	0.05%	0.05%
Coverdell Educational Savings Account (CESA) Minimum Inital Deposit $200	$200.00	0.05%	0.05%
Ultimate Rewards Package Minimum Inital Deposit $5	$500.00 or less	3.93%	4.00%
	$500.01 to $5,000.00	0.05%	0.05%
	$5,000.01 to $10,000.00	0.05%	0.05%
	$10,000.01 or more	0.05%	0.05%

Click HERE for the complete disclosure.

Checking and Health Savings Accounts

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Checking & Health Savings Account Rates

Effective Date 3/9/2014

ACCOUNT TYPE	MINIMUM BALANCE TO OBTAIN APY	DIVIDEND RATE	ANNUAL PERCENTAGE YIELD
Free Checking Minimum Inital Deposit $50	N/A	0.00%	0.00%
Dividend Checking Minimum Inital Deposit $50	$0 TO $499.99	0.00%	0.00%
	$500 OR MORE	0.05%	0.05%
Silver Wings Checking Minimum Inital Deposit $50	$0 TO $499.99	0.00%	0.00%
	$500 OR MORE	0.05%	0.05%
Investor Checking Minimum Inital Deposit $50	$0 TO $999.99	0.00%	0.00%
	$1,000 OR 4,999.99	0.05%	0.05%
	$5,000 TO $9,999.99	0.10%	0.10%
	$10,000 TO $24,999.99	0.10%	0.10%
	$25,000 TO $49,999.99	0.10%	0.10%
	$50,000 OR MORE	0.15%	0.15%
Health Savings Minimum Inital Deposit $50	$0 TO $99.99	0.00%	0.00%
	$100 OR MORE	0.25%	0.25%

Click HERE for the complete disclosure.

Certificates and IRA Certificates

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Certificate and IRA Certificates

Effective Date 3/9/2014

ACCOUNT TYPE	TERM	DIVIDEND RATE	ANNUAL PERCENTAGE YIELD
Standard Certificate Accounts Minimum Inital Deposit $500	6 months (182 to 364 days)	0.25%	0.25%
	12 months (365 to 729 days)	0.35%	0.35%
	24 months (730 to 1094 days)	0.45%	0.45%
	36 months (1095 to 1459 days)	0.70%	0.70%
	48 months (1460 to 1824 days)	1.00%	1.00%
	60 months (1825 or more days)	1.24%	1.25%
Laddering Certificate Accounts (Including IRA & CESA) Minimum Inital Deposit $50000	12 months (365 to 729 days)	0.45%	0.45%
	24 months (730 to 1094 days)	0.55%	0.55%
	36 months (1095 to 1459 days)	0.80%	0.80%
	48 months (1460 to 1824 days)	1.09%	1.10%
	60 months (1825 or more days)	1.34%	1.35%
IRA & Coverdell Educational Savings Account (CESA) Certificates Minimum Inital Deposit $500	12 months (365 to 729 days)	0.35%	0.35%
	24 months (730 to 1094 days)	0.45%	0.45%
	36 months (1095 to 1459 days)	0.70%	0.70%
	48 months (1460 to 1824 days)	1.00%	1.00%
	60 months (1825 or more days)	1.24%	1.25%

Dividends compound monthly.
Click HERE for the complete disclosure.

Money Market Accounts

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Money Market Accounts

Effective Date 3/9/2014

ACCOUNT TYPE	MINIMUM BALANCE TO OBTAIN APY	DIVIDEND RATE	ANNUAL PERCENTAGE YIELD
Flexible Money Market Minimum Inital Deposit $1000	$0 - $7,499.99	0.05%	0.05%
	$7,500 - $24,999.99	0.05%	0.05%
	$25,000 - $49,999.99	0.05%	0.05%
	$50,000 - $74,999.99	0.10%	0.10%
	$75,000 OR MORE	0.15%	0.15%
Sterling Money Market Minimum Inital Deposit $25000	$0 TO $24,999.99	0.05%	0.05%
	$25,000 OR MORE	0.10%	0.10%
Premiere Money Market Minimum Inital Deposit $50000	$0 TO $49,999.99	0.05%	0.05%
	$50,000 OR MORE	0.20%	0.20%
Premiere Plus Money Market Minimum Inital Deposit $75000	$0 TO $74,999.99	0.05%	0.05%
	$75,000 OR MORE	0.25%	0.25%
Jumbo Money Market Minimum Inital Deposit $100000	$0 TO $99,999.99	0.05%	0.05%
	$100,000 OR MORE	0.30%	0.30%

Dividends compound monthly.
Click HERE for the complete disclosure.

Rates

Travis Credit Union offers very competitive rates on all of the financial products and services you need to achieve your goals.

Apply Online

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Credit Cards

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Effective Date 3/9/2014

Important Disclosure Information Travis Credit Union Credit Cards MasterCard® or VISA® Credit Card Interest Rates and Interest Charges
	Platinum Rewards VISA	MasterCard Gold	Share-Secured¹/Credit Builder Classic VISA	Classic VISA
Annual Percentage Rate (APR) for purchases*	6.9% Introductory APR for 12 months. After that, APR will be 10.99% to 17.99%	12.99% to 17.99%	17.40%	18.99%
Cash Advance APR*	6.9% Introductory APR for 12 months. After that, APR will be 12.99% to 19.99%	14.99% to 19.99%	19.40%	20.99%
Balance Transfer APR*	6.9% Introductory APR for 12 months. After that, APR will be 12.99% to 19.99%	14.99% to 19.99%	19.40%	20.99%
Penalty Rate		None
How to Avoid Paying Interest on Purchases		You have 25 days to repay your balance in full for purchases before a finance change will be imposed.
Method of computing the balance		Average daily principle balance (including new transactions)
Minimum Finance Charge		None²

Fees
Visa Rewards Annual Fee	Visa: $25.00³ Mastercard: N/A
Transaction Fees Balance Transfer Cash Advance Foreign Transaction	None for the first 12 months for the Platinum Rewards VISA. None for the first 90 days for all other TCU credit card products. After that time, the fee will be 2% of the amount transferred not to exceed $25.00 $5.00 each advance (waived for the first 12-month introductory period for the Platinum Rewards VISA). 1% of the U.S. dollar amount of the transaction whether made in U.S. dollars or converted from a foreign currency⁴
Penalty Fees Late Payment Returned Payment	$15.00⁵ $15.00
Card Replacement Fee	$5.00

For Credit Card Tips from the
Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore

*Final product and APR will be determined based on credit worthiness.

Loss of Introductory APR: We may end your introductory APR and apply the final APR, which will be determined based on your credit worthiness, if you make two late payments during the introductory period.

When you respond to this credit card offer or sign an application for a credit card with Travis Credit Union, you authorize Travis Credit Union to independently verify the information you provided by any lawful means, to exchange credit information about you with others; including obtaining information about you from credit or consumer information bureaus and agree that Travis Credit Union may at its discretion, from time to time, make inquiries regarding your credit standing through consumer credit bureaus and agree to provide financial statements or other evidence to support your income if requested.

If the account is opened, you will receive a Credit Card Cardholder Agreement and Disclosure Statement with your card. By using the card you agree to the terms of the Credit Card Cardholder Agreement and Disclosure Statement.

1. If applying for a share-secured Credit Card, you may be required to pledge up to 100% of the limit approved in a regular share account based upon credit worthiness.
2. Although there is no minimum finance charge, there is a minimum payment amount. The minimum monthly payment is the greater of 2% of the balance or $10.00.
3. The Annual Rewards fee will be waived for those Visa card holders who opt out of the rewards program. If you opt-out of the rewards program you may opt back in later, a $25.00 annual rewards fee will apply.

____ I wish to enroll in the Visa rewards program ____ I wish to opt out of the Visa rewards program.

Account Number Member Signature Date

4. Purchases and cash advances made in foreign currencies will be billed in U.S. dollars. The conversion rate in U.S. dollars will be either at the government mandated rate or a wholesale currency market rate determined by Visa® or MasterCard International® for the processing cycle in which the transaction is processed. The currency conversion rate used by Visa® or MasterCard International® on the processing date may differ from the rate that would have been used on the purchase date or cardholder statement posting date. The Credit Union has no control over the conversion rate.
5. If the minimum monthly payment is not received within 15 days of the due date, a late charge of $15.00 will be charged to the account. If the minimum payment is less than $15, the late fee will be no more than the amount of the minimum payment.

This information about credit cards is accurate as of February 1, 2013 and may change after that date. For current information, ask your Member Service Representative or call (707) 449-4000 or (800) 877-8328. Credit Card accounts are exclusively for Travis Credit Union members.

This disclosure supplements the Credit Card Agreement and Disclosure Statement. Please keep this disclosure for your records.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Credit Card Cardholder Agreement and Disclosure.

Unsecured and Personal Loans

Ready Reserve Loans

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
Transaction Fee	None
Late Payment Fee	$15³
Returned Item Charge	$15⁴

APR (Annual Percentage Rate) are based on applicant's credit history and other underwriting factors.
Although there is no minimum finance charge, there is a minimum payment amount. The minimum monthly payment is the greater of 2% of the balance or $10.00.
If the minimum monthly payment is not received within 15 days of the due date, a late charge of $15 will be added to the account.
Each time a check or other transfer processed by the Credit Union as a loan payment is returned unpaid, a charge of $15.00 will be imposed.

This information is accurate as of and may change after that date. For current information, ask your Member Service Representative or call (707)451-5350 or 1-800-449-4110. Credit Card accounts are exclusively for Travis Credit Union members.

LOAN TYPE	LOAN AMOUNT	TERM	APR	PAYMENT PER $1,000**
Signature Loan	$500.00 - $25,000.00	Up to 60 months***	15.25% - 17.75%	$27.96
Computer	$500.00 - $1,000.00	24 months	9.99%	$46.14
	$1,000.01 - $3,000.00	36 months	9.99%	$32.26
Teacher	$500.00 - $1,000.00	24 months	9.99%	$46.14
	$1,000.01 - $3,000.00	36 months	9.99%	$32.26
Energy Loan	$1,000.00 - $35,000.00	Up to 180 months***	6.99% - 9.99%	$8.98

*APR (Annual Percentage Rate). 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 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. The payment examples listed are with the maximum term. For example: for a 4-year (48-month), $10,000 signature loan at the rate of, multiply 10x for a payment amount of (loan amount/$1,000 x payment example = payment amount).

***Actual term based on amount financed

Vehicle Loans

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Vehicle Loans

Great low rates for auto loan purchases or refinancing are just one of the many features of our vehicle loans.

For example, get pre-approved with us and shop with confidence knowing what you can afford and what your monthly auto loan payments will be. Pre-approval is quick and easy, and you can apply online, at a branch or by phone. Log in to your TCU Online Banking account to see if you’re already pre-approved.

Another convenient feature is that you can apply for a loan directly at the dealership by requesting a Credit Union Direct Lending (CUDL) loan with Travis Credit Union financing. The dealer will work directly with us in processing your loan paperwork so you can buy your new car on the spot without a trip to one of our branches!

And when you do drive away with your new vehicle, we have vehicle protection programs to cover your vehicle in case of loss, damage or mechanical breakdown. Gain peace of mind knowing you’re covered in case the unexpected occurs.

Find your great low rate below and apply for a loan today!

Effective Date 3/9/2014

TERM IN MONTHS

MINIMUM AMOUNT

APR

PMT PER $1,000**

New Autos & Vans 2013 - 2014 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

2.99% - 13.78%

$29.08

37 to 48

$4,000.00

2.99% - 13.78%

$22.13

49 to 60

$5,000.00

2.99% - 13.98%

$17.96

61 to 66

$5,000.00

2.99% - 14.18%

$16.45

67 to 78

$10,000.00

2.99% - 14.38%

$14.12

79 to 84

$20,000.00

2.99% - 14.38%

$13.21

Used Autos & Vans 2004 - 2012 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

3.14% - 13.93%

$29.14

37 to 48

$4,000.00

3.14% - 13.93%

$22.20

49 to 60

$5,000.00

3.14% - 14.13%

$18.03

61 to 66

$5,000.00

3.14% - 14.33%

$16.52

67 to 78

$10,000.00

3.14% - 14.53%

$14.19

79 to 84

$20,000.00

3.14% - 14.53%

$13.28

New Motorcycles 2013 - 2014 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% - 14.00%

$31.06

37 to 48

$4,000.00

7.39% - 14.00%

$24.13

49 to 60

$5,000.00

7.39% - 14.00%

$19.99

61 to 72

$10,000.00

7.89% - 14.50%

$17.48

Used Motorcycles 2004 - 2012 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% - 14.75%

$31.40

37 to 48

$4,000.00

8.14% - 14.75%

$24.48

49 to 60

$5,000.00

8.14% - 14.75%

$20.34

New RV, Campers, Trailers, Boats, Jetskis & Van Conversions 2013 - 2014 Models
Up to 80% financing of retail blue book. Requires 20% cash down, no rebates. All Terms & Conditions are subject to loan approval. No Liens on New RV's. No Cash Out on Refinances.

Up to 36

$500.00

7.89% - 14.50%

$31.29

37 to 48

$4,000.00

7.89% - 14.50%

$24.36

49 to 60

$5,000.00

7.89% - 14.50%

$20.22

61 to 72

$15,000.00

8.14% - 14.75%

$17.60

73 to 120

$20,000.00

8.38% - 14.99%

$12.33

121 to 144

$30,000.00

8.88% - 15.49%

$11.31

Used RVs, Campers, Trailers, Boats, Jetskis & Van Conversions 2004 - 2012 Models
Up to 80% financing of retail blue book. Requires 20% cash down, no rebates. All Terms & Conditions are subject to loan approval. No Lien's on Used RV's. No Cash Out on Refinances.

Up to 36

$500.00

9.38% - 15.99%

$31.98

37 to 48

$4,000.00

9.38% - 15.99%

$25.07

49 to 60

$5,000.00

9.38% - 15.99%

$20.94

61 to 72

$15,000.00

9.63% - 16.24%

$18.34

73 to 120

$20,000.00

9.88% - 16.49%

$13.15

121 to 144

$30,000.00

10.38% - 16.99%

$12.17

* APR (Annual Percentage Rate) 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. 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 the credit union for rates. For more information, please call (707) 451-5350 or (800) 449-4110.

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 2.78%, multiply 10 x $28.98 for a payment amount of $289.84 (loan amount / $1,000 x payment example = payment amount).

First Mortgage Loans

First Mortgages & Refinance

To view our First Mortgages and Refinance rates, please visit the Travis Credit Union Real Estate Site.

Home Equity

To view our Home Equity rates, please visit the Travis Credit Union Real Estate Site.

Rates

Travis Credit Union offers very competitive rates on all of the financial products and services you need to achieve your goals.

Apply Online

Switch to Travis

Business Share Savings

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Business Share Savings

Effective Date 3/9/2014

ACCOUNT TYPE	MINIMUM BALANCE TO OBTAIN APY	DIVIDEND RATE	ANNUAL PERCENTAGE YIELD
Business Share Account Minimum Initial Deposit: $100.00	$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	0.05%	0.05%
	$10,000.01 or more	0.05%	0.05%

Dividends compound monthly.
Click HERE for the complete disclosure.

Business Share Draft (Checking)

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Business Share Draft (Checking)

Effective Date 3/9/2014

ACCOUNT TYPE	MINIMUM BALANCE TO OBTAIN APY	DIVIDEND RATE	ANNUAL PERCENTAGE YIELD
Free Business Checking Minimum Initial Deposit: $100.00	N/A	0.00%	0.00%
Free Non Profit Business Checking Minimum Initial Deposit: $100.00	N/A	0.00%	0.00%
Better Business Checking Minimum Initial Deposit: $100.00	N/A	0.00%	0.00%
Analyzed Business Checking Minimum Initial Deposit: $100.00	N/A	0.00%	0.00%
Better Business Dividend Checking Minimum Initial Deposit: $100.00	$0 TO $499.99	0.00%	0.00%
	$500 OR MORE	0.05%	0.05%

Dividends compound monthly.
Click HERE for the complete disclosure.

Business Money Market Accounts

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Business Money Market Accounts

Effective Date 3/9/2014

ACCOUNT TYPE	MINIMUM BALANCE TO OBTAIN APY	DIVIDEND RATE	ANNUAL PERCENTAGE YIELD
Business Flexible Money Market Minimum Initial Deposit: $1,000.00	$0 - $7,499.99	0.05%	0.05%
	$7,500 - $24,999.99	0.05%	0.05%
	$25,000 - $49,999.99	0.05%	0.05%
	$50,000 - $74,999.99	0.10%	0.10%
	$75,000 OR MORE	0.15%	0.15%
Business Sterling Money Market Minimum Initial Deposit: $25,000.00	$0 TO $24,999.99	0.05%	0.05%
	$25,000 OR MORE	0.10%	0.10%
Business Premiere Money Market Minimum Initial Deposit: $50,000.00	$0 TO $49,999.99	0.05%	0.05%
	$50,000 OR MORE	0.20%	0.20%
Business Premiere Plus Money Market Minimum Initial Deposit: $75,000.00	$0 TO $74,999.99	0.05%	0.05%
	$75,000 OR MORE	0.25%	0.25%
Business Jumbo Money Market Minimum Initial Deposit: $100,000.00	$0 TO $99,999.99	0.05%	0.05%
	$100,000 OR MORE	0.30%	0.30%

Dividends compound monthly.
Click HERE for the complete disclosure.

Business Share Certificates

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Business Share Certificates

Effective Date 3/9/2014

ACCOUNT TYPE	MINIMUM BALANCE TO OBTAIN APY	DIVIDEND RATE	ANNUAL PERCENTAGE YIELD
Business Certificate Account Minimum Initial Deposit: $500.00	6 months (182 to 364 days)	0.25%	0.25%
	12 months (365 to 729 days)	0.35%	0.35%
	24 months (730 to 1094 days)	0.45%	0.45%
	36 months (1095 to 1459 days)	0.70%	0.70%
	48 months (1460 to 1824 days)	1.00%	1.00%
	60 months (1825 or more days)	1.24%	1.25%

Dividends compound monthly.
Click HERE for the complete disclosure.

Rates

Travis Credit Union offers very competitive rates on all of the financial products and services you need to achieve your goals.

Apply Online

Switch to Travis

User ID

Rates

Competitive rates---

Share Savings, IRA Savings, Coverdell and Ultimate Rewards

Checking & Health Savings Account Rates

Certificate and IRA Certificates

Money Market Accounts

Rates

Interest Rates and Interest Charges

6.9%

10.99% to 17.99%

12.99% to 17.99%

17.40%

18.99%

6.9%

12.99% to 19.99%

14.99% to 19.99%

19.40%

20.99%

6.9%

12.99% to 19.99%

14.99% to 19.99%

19.40%

20.99%

Fees

Unsecured and Personal Loans

Ready Reserve Loans

READY RESERVE UNSECURED LINE OF CREDIT

LOAN TYPE

LOAN AMOUNT

TERM

APR

PAYMENT PER $1,000**

Vehicle Loans

First Mortgages & Refinance

Home Equity

Rates

Business Share Savings

Business Share Draft (Checking)

Business Money Market Accounts

Business Share Certificates

Rates