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 Minimum Initial Deposit $500.
7 months (213 days)	$500	4.75%	4.85%

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 2023 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	6.74% - 18.49%	$30.77
37 to 48	$4,000.00	6.74% - 18.49%	$23.83
49 to 60	$5,000.00	6.74% - 18.49%	$19.69
61 to 66	$5,000.00	6.84% - 18.49%	$18.23
67 to 78	$10,000.00	6.84% - 18.49%	$15.92
79 to 84	$20,000.00	7.24% - 18.49%	$15.22

*The APR (Annual Percentage Rate) for New Autos 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. 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.
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), $10,000 new auto loan at the rate of 6.74%, multiply 10 x $30.77 for a payment amount of $307.70 (loan amount / $1,000 x payment example = payment amount).
Effective Date 9/01/2023

TERM IN MONTHS	MINIMUM AMOUNT	APR*	PAYMENT PER $1,000**
Used Autos & Vans 2022 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	6.99% - 18.49%	$30.88
37 to 48	$4,000.00	6.99% - 18.49%	$23.95
49 to 60	$5,000.00	6.99% - 18.49%	$19.80
61 to 66	$5,000.00	7.09% - 18.49%	$18.35
67 to 78	$10,000.00	7.09% - 18.49%	$16.05
79 to 84	$20,000.00	7.49% - 18.49%	$15.34

TERM IN MONTHS	MINIMUM AMOUNT	APR*	PAYMENT PER $1,000**
New Motorcycles 2023 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 2014 - 2022 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 2023 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 2014 - 2022 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	APR*	PAYMENT PER $1000*
$1,000.00 - $50,000.00	Up to 180 months*	5.49% - 10.49%	$8.17
Solar Battery Storage or Solar + Battery Bundle $1,000.00 - $75,000.00	Up to 240 months**	5.74% - 10.99%	$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 Specials (Including IRA and CESA). Minimum Initial Deposit $500
7 months (213 days)	4.75%	4.85%
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)	4.17%	4.25%
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)	4.17%	4.25%
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%

Money Market Account chart comparing minimum balance to annual percentage yield
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	2.47%	2.50%
$50,000.00 - $99,999.99	2.96%	3.00%
$100,000.00 - $249,999.99	3.35%	3.40%
$250,000.00 OR MORE	3.45%	3.50%
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%

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.

LOAN AMOUNT	TERM	APR*	PAYMENT PER $1000**
$500.00 - $1,000.00	24 months	9.99%	$46.14
$1,000.01 - $3,000.00	36 months	9.99%	$32.26

Used Auto Loans

New Motorcycle Loans

Used Motorcycle Loans

New RV / Boat Loans

Used RV / Boat Loans

Eco-Friendly Loan

Go Green Loan

Access Checking

Free Checking

Target Savings

Prime Share Account

Target Share Account

College Savings

Coverdell Educational Savings Account (CESA)

Health Savings Accounts (HSA)

Money Market Accounts

Jumbo Plus MMA

Jumpstart Money Market

Personal Loan

Ready Reserve Line-of-Credit

Computer Loan

Teacher Loan