Travis Auto Loan Rates | Credit Card Rates | Travis Credit Union

Important Disclosure Information
Travis Credit Union Credit Cards

INTEREST RATES AND INTEREST CHARGES

Platinum Visa®

Annual Percentage Rate (APR*) for purchases

11.24% to 20.24%

When you open your tài khoản, based on your credit-worthiness. After that, your APR will vary with the market based on the Prime Rate.

APR* for Cash Advances and Balance Transfers

13.24% to 22.24%
This APR will vary with the market based on the Prime Rate.

Penalty APR**
25.00%
Share-Secured1/
Credit Builder Visa
Annual Percentage Rate (APR*) for purchases

18.65%

When you open your tài khoản, based on your credit-worthiness. After that, your APR will vary with the market based on the Prime Rate.

APR* for Cash Advances and Balance Transfers

20.65%
This APR will vary with the market based on the Prime Rate.

Penalty APR**
25.00%
How to Avoid Paying Interest on Purchases
You have 25 days to repay your balance in full for purchases before a finance charge will be imposed.

Minimum Finance Charge
None2

Important Disclosure Information
Travis Credit Union Credit Cards

Interest Rates and Interest Charges

Platinum Visa
Share-Secured1/
Credit Builder Visa

Annual Percentage Rate (APR*) for purchases

11.24%

to

20.24%

When you open your tài khoản, based on your credit-worthiness. After that, your APR will vary with the market based on the Prime Rate.

18.65%

When you open your tài khoản, based on your credit-worthiness. After that, your APR will vary with the market based on the Prime Rate.

APR* for Cash Advances and Balance Transfers
13.24% to 22.24%

This APR will vary with the market based on the Prime Rate.

20.65%

This APR will vary with the market based on the Prime Rate.

Penalty APR**
25.00%
25.00%
How to Avoid Paying Interest on Purchases: You have 25 days to repay your balance in full for purchases before a finance charge will be imposed.

Minimum Finance Charge: None2

Fees

MyTravis Rewards Annual Fee
$0.003 Platinum Visa Cards Only

Transaction Fees

Balance Transfer
2% of the amount of each transfer not to exceed $25.00

Cash Advance
2% of the amount of each cash advance or $10.00, whichever is greater

Foreign Transaction
None4

Penalty Fees

Late Payment
$15.005

Returned Payment
$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.

*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 tài khoản. 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 3.25% Prime Rate as of 09/14/2020. Maximum APR 25.00%.

Details About Interest Rates and Interest Calculations for Credit Card Products
Index
Margin
Corresponding APR

Platinum Purchases
3.25%
7.99% to 16.99%
11.24% to 20.24%

Platinum Cash Advances/ Balance Transfers
3.25%
9.99% to 18.99%
13.24% to 22.24%

Credit Builder/ Share Secured Purchases
3.25%
15.40%
18.65%

Credit Builder/ Share Secured Cash Advances/ Balance Transfers
3.25%
17.40%
20.65%

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.

**Penalty APR: An interest rate adjustment will occur when your tài khoản is 60 days or more past due. If your tài khoản is 60 days past due, the interest rate for existing and new balances will be increased to an APR of 25.00%. The interest rate adjustment will terminate if you make the required minimum payments for six consecutive months.

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 tài khoản: 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 tài khoản). 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 6 for loans, Option 3 for the disclosure).

If the tài khoản 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.

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 tài khoản based upon credit worthiness.
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.
Platinum Visa cardholders will be automatically enrolled in MyTravis Rewards.
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® for the processing cycle in which the transaction is processed. The currency conversion rate used by Visa 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.
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 tài khoản. 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 September 14, 2020 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

Unsecured and Personal Loans

Ready Reserve Loans

Apply Online Personal 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

Late Payment Fee
$15.003

Returned Item Charge
$15.004

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 tài khoản.
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.

Unsecured Loans

Apply Online Personal Loans

LOAN TYPE
LOAN AMOUNT
TERM
APR
PAYMENT PER $1000**

Personal Loan
$500.00 – $25,000.00
Up to 60 months***
7.24% – 17.90%
$19.91

Computer
$500.00 – $1,000.00
24 months
9.99%
$46.14

Computer
$1,000.01 – $3,000.00
36 months
9.99%
$32.26

Teacher
$500.00 – $1,000.00
24 months
9.99%
$46.14

Teacher
$1,000.01 – $3,000.00
36 months
9.99%
$32.26

Eco-Friendly Loan
$1,000.00 – $50,000.00
Up to 180 months***
5.99% – 9.99%
$8.43

Go Green
$1,000.00 – $50,000.00
Up to 180 months***
3.99% – 8.99%
$7.39

*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

Apply Online Auto 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 tài khoản 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!

TERM IN MONTHS
MINIMUM AMOUNT
APR
PAYMENT PER $1,000**

New Autos & Vans 2021 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
3.39% – 18.99%
$29.25

37 to 48
$4,000.00
3.49% – 18.99%
$22.35

49 to 60
$5,000.00
3.59% – 18.99%
$18.23

61 to 66
$5,000.00
3.99% – 18.99%
$16.90

67 to 78
$10,000.00
3.99% – 18.99%
$14.58

79 to 84
$20,000.00
3.99% – 18.99%
$13.66

Used Autos & Vans 2020 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
3.39% – 18.99%
$29.25

37 to 48
$4,000.00
3.49% – 18.99%
$22.35

49 to 60
$5,000.00
3.59% – 18.99%
$18.23

61 to 66
$5,000.00
3.99% – 18.99%
$16.90

67 to 78
$10,000.00
3.99% – 18.99%
$14.58

79 to 84
$20,000.00
3.99% – 18.99%
$13.66

New Motorcycles 2021 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
7.89% – 17.50%
$31.29

37 to 48
$4,000.00
7.89% – 17.50%
$24.36

49 to 60
$5,000.00
7.89% – 17.50%
$20.22

61 to 72
$10,000.00
8.39% – 18.00%
$17.72

Used Motorcycles 2020 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
8.64% – 18.25%
$31.63

37 to 48
$4,000.00
8.64% – 18.25%
$24.71

49 to 60
$5,000.00
8.64% – 18.25%
$20.58

New RV, Campers, Trailers, Boats, Jetskis & Van Conversions 2021 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
6.01% – 6.98%
$30.43

37 to 48
$4,000.00
6.01% – 6.98%
$23.49

49 to 60
$5,000.00
6.01% – 6.98%
$19.34

61 to 72
$15,000.00
6.01% – 6.98%
$16.58

73 to 120
$20,000.00
6.01% – 6.98%
$11.11

Used RVs, Campers, Trailers, Boats, Jetskis & Van Conversions 2012 – 2020 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
6.01% – 6.98%
$30.43

37 to 48
$4,000.00
6.01% – 6.98%
$23.49

49 to 60
$5,000.00
6.01% – 6.98%
$19.34

61 to 72
$15,000.00
6.01% – 6.98%
$16.58

73 to 120
$20,000.00
6.01% – 6.98%
$11.11

*The APR (Annual Percentage Rate) for New and Used Autos reflects a 0.25% discount for automatic payment. Rate is 0.25% higher without automatic payment. 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.

*The APR (Annual Percentage Rate) for New and Used Motorcycles, reflects a 0.25%. Rate is 0.25% higher without automatic payment. All loan rates are based on applicant’s credit history and other underwriting factors.

*The APR (Annual Percentage Rate) for New and Used RVs, Campers, Trailers, Boats, Jetskis & Van Conversions reflects a 0.25% discount for automatic payment. Rate is 0.25% higher without automatic payment. 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.

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 3.39%, multiply 10 x $29.26 for a payment amount of $292.60 (loan amount / $1,000 x payment example = payment amount).

Boat/RV Loan: The payment examples listed are with the maximum term. For example: for a 10-year (120-month), $20,000 new Boat/RV loan at the rate of 6.01%, multiply 20 x $11.12 for a payment amount of $222.40 (loan amount / $1,000 x payment example = payment amount)

Effective Date 7/26/2022