Personal Loan
unsecured loans chart, sorted by loan type, amount, term, apr and payment
| Loan Amount |
Term |
APR* |
Payment per $1000** |
| $500.00 - $25,000.00 |
Up to 60 months*** |
9.74% - 19.40% |
$21.13 |
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Ready Reserve Line-of-Credit
Ready reserve loan chart, listed by service fee categories and amounts
| 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 |
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Personal Loan
*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) 877-8328.
**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 personal loan at the rate of 9.74%, multiply 10 x $25.25 for a payment amount of $252.50 (loan amount/$1,000 x payment example = payment amount).
***Actual term based on amount financed
Effective Date 8/23/2024
Ready Reserve Line-of-Credit
- 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 $20.00.
- 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 (800) 877-8328. Credit Card accounts are exclusively for Travis Credit Union members.