*Variable Rates: The Annual Percentage Rate (APR) may increase or decrease if the highest rate of interest identified as the Prime Rate increases or decreases. The APR will be equal to the Prime Rate plus a margin and will based on your credit worthiness at the time you open your account. The interest rate can change on the first day of each billing cycle following a change in the Prime Rate. Any increase will lengthen the time it takes to pay off your loan.
Prime Rate: Variable APRs are based on the Prime Rate of 8.50%. Maximum APR 25.00%.
Interest Rates and Calculations
| Details About Interest Rates and Interest Calculations for Credit Card Products |
Index |
Margin |
Corresponding APR |
| Signature Purchases |
8.50% |
7.99% |
16.49% |
| Signature Cash Advances/ Balance Transfers |
8.50% |
9.99% |
18.49% |
| Platinum Purchases |
8.50% |
7.99% to 16.99% |
16.49% to 25.00% |
| Platinum Cash Advances/ Balance Transfers |
8.50% |
9.99% to 18.99% |
18.49% to 25.00% |
| Credit Builder/ Share Secured Purchases |
8.50% |
15.40% |
23.90% |
| Credit Builder/ Share Secured Cash Advances/ Balance Transfers |
8.50% |
17.40% |
25.00% |
How We Will Calculate Your Balance: We use the average daily principle balance method (including new transactions). See the Credit Card Cardholder Agreement and Disclosure Statement for details.
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.
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.
Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). If at any time you are no longer considered to be a covered borrower per the Military Lending Act, these coverages will cease. To access the oral disclosure for your Military Lending Act coverages, please call (800) 877-8328 (Press 3 to apply for a loan, Option 4 for the disclosure).
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.
This information about credit cards is accurate as of April 2024 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.
Download Disclosure