Today's Current Rates | Travis Credit Union

Certificate Promotion chart comparing terms in months to annual percentage yield
STANDARD TERMS	MINIMUM BALANCE TO OBTAIN APY	DIVIDEND RATE	ANNUAL PERCENTAGE YIELD (APY)
Certificate Special (Including IRA & CESA) Minimum Initial Deposit $500.
7 months (213 days)	$500	3.69%	3.75%

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 2024 and newer models Up to 125% financing - includes tax, license, registration & warranty, depending on qualifications. All Terms & Conditions subject to loan approval. Final rate will be based on loan-to-value (LTV) ratio, term, and creditworthiness.
Up to 36	$500.00	5.49% - 17.99%	$30.20
37 to 48	$4,000.00	5.49% - 17.99%	$23.26
49 to 60	$5,000.00	5.49% - 17.99%	$19.10
61 to 66	$5,000.00	5.59% - 17.99%	$17.64
67 to 78	$10,000.00	5.59% - 17.99%	$15.33
79 to 84	$20,000.00	5.99% - 17.99%	$14.61

*APR=Annual Percentage Rate. New Auto rate includes: 0.25% discount for automatic payment, 0.50% discount for being a member for more than 6 months. Without automatic payments, the rate increases by 0.25%, and if membership is 6 months or less the rate increases by 0.50%. Refinancing of TCU auto loans may not be eligible for all rates and may include a fee. All loan rates are dependent on credit worthiness, ability to repay, financed amount, and additional 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), $20,000 new auto loan at the rate of 5.49%, multiply 20 x $30.20 for a payment amount of $604.00 (loan amount / $1,000 x payment example = payment amount).
Effective Date 4/23/2025

TERM IN MONTHS	MINIMUM AMOUNT	APR*	PAYMENT PER $1,000**
Used Autos & Vans 2023 and older Up to 125% financing - includes tax, license, registration & warranty, depending on qualifications. All Terms & Conditions subject to loan approval. Final rate will be based on loan-to-value (LTV) ratio, term, and creditworthiness.
Up to 36	$500.00	5.74% - 17.99%	$30.31
37 to 48	$4,000.00	5.74% - 17.99%	$23.37
49 to 60	$5,000.00	5.74% - 17.99%	$19.22
61 to 66	$5,000.00	5.84% - 17.99%	$17.76
67 to 78	$10,000.00	5.84% - 17.99%	$15.45
79 to 84	$20,000.00	6.24% - 17.99%	$14.73

TERM IN MONTHS	MINIMUM AMOUNT	APR*	PAYMENT PER $1,000**
New Motorcycles 2024 and newer models Up to 125% financing - includes tax, license, registration & warranty, depending on qualifications. All Terms & Conditions subject to loan approval. Final rate will be based on loan-to-value (LTV) ratio, term, and creditworthiness.
Up to 36	$500.00	8.39% - 18.00%	$31.53
37 to 48	$4,000.00	8.39% - 18.00%	$24.61
49 to 60	$5,000.00	8.39% - 18.00%	$20.47
61 to 72	$10,000.00	8.89% - 18.50%	$17.98

TERM IN MONTHS	MINIMUM AMOUNT	APR*	PAYMENT PER $1,000**
Used Motorcycles 2015 - 2023 Models Up to 125% financing - includes tax, license, registration & warranty, depending on qualifications. All Terms & Conditions subject to loan approval. Final rate will be based on loan-to-value (LTV) ratio, term, and creditworthiness.
Up to 36	$500.00	9.14% - 18.75%	$31.88
37 to 48	$4,000.00	9.14% - 18.75%	$24.96
49 to 60	$5,000.00	9.14% - 18.75%	$20.84

TERM IN MONTHS	MINIMUM AMOUNT	APR*	PAYMENT PER $1,000**
New RV, Campers, Trailers, Boats, Jetskis & Van Conversions 2024 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. Final rate will be based on loan-to-value (LTV) ratio, term, and creditworthiness.
Up to 36	$500.00	7.51% - 8.48%	$31.12
37 to 48	$4,000.00	7.51% - 8.48%	$24.19
49 to 60	$5,000.00	7.51% - 8.48%	$20.05
61 to 72	$15,000.00	7.51% - 8.48%	$17.30
73 to 120	$20,000.00	7.51% - 8.48%	$11.88

TERM IN MONTHS	MINIMUM AMOUNT	APR*	PAYMENT PER $1,000**
Used RVs, Campers, Trailers, Boats, Jetskis & Van Conversions 2015 - 2023 Models Up to 100% financing. All Terms & Conditions are subject to loan approval. No Liens on RV's. No Cash Out on Refinances. Final rate will be based on loan-to-value (LTV) ratio, term, and creditworthiness.
Up to 36	$500.00	7.51% - 8.48%	$31.12
37 to 48	$4,000.00	7.51% - 8.48%	$24.19
49 to 60	$5,000.00	7.51% - 8.48%	$20.05
61 to 72	$15,000.00	7.51% - 8.48%	$17.30
73 to 120	$20,000.00	7.51% - 8.48%	$11.88

LOAN AMOUNT	TERM	APR¹	PAYMENT PER $1000¹
$1,000.00 - $50,000.00	Up to 180 months¹	5.49% - 8.49%	$8.17
Solar Battery Storage or Solar + Battery Bundle $1,000.00 - $75,000.00	Up to 240 months³	5.74% - 8.99%	$7.02

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 Special (Including IRA and CESA). Minimum Initial Deposit $500
7 months (213 days)	3.69%	3.75%
Certificate Special (Including IRA and CESA). Minimum Initial Deposit $500 New Money. Only New Money qualifies for the 18 Month Certificate Special. (New Money is defined as funds not currently on deposit with Travis Credit Union)
18 months (548 days)	3.59%	3.65%
Standard Certificate Accounts Minimum Initial Deposit $500
6 months (182 to 273 days)	0.90%	0.90%
9 months (274 to 364 days)	1.00%	1.00%
12 months (365 to 577 days)	1.29%	1.30%
19 months (578 to 729 days)	1.74%	1.75%
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%
IRA & Coverdell Educational Savings Account (CESA) Certificates Minimum Initial Deposit $500
6 months (182 to 273 days)	0.90%	0.90%
9 months (274 to 364 days)	1.00%	1.00%
12 months (365 to 577 days)	1.29%	1.30%
19 months (578 to 729 days)	1.74%	1.75%
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%

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%

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

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%

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
Jumbo Plus MMA Minimum Initial Deposit $1,000
$0 - $24,999.99	0.25%	0.25%
$25,000.00 - $49,999.99	1.93%	1.95%
$50,000.00 - $99,999.99	2.42%	2.45%
$100,000.00 - $249,999.99	2.52%	2.55%
$250,000.00 OR MORE	2.62%	2.65%
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%

LOAN AMOUNT	TERM	APR*	PAYMENT PER $1000**
$500.00 - $1,000.00	24 months	8.99%	$45.68
$1,000.01 - $3,000.00	36 months	8.99%	$31.80

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