Travis Credit Union

1 Travis Way
Vacaville, CA 95687
(800) 877-8328
www.traviscu.org

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Travis Credit Union is headquartered in Vacaville and is the 14^st largest credit union in the state of California. It is also the 69^th largest credit union in the nation. It was established in 1951 and as of December of 2012, it had grown to 447 employees and 178,285 members. Travis Credit Union has a 5-star health rating.

5.75% 5-Month CD at a California CU - and $100 Checking Bonus (Travis). - 12/6/2007

Travis Credit Union is offering a special 5.75% APY 5-month certificate. The minimum deposit is $10,000. It requires that you have direct deposit of $500 or more. This special is only available at four of the credit union's branches (see below).In...

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See Rates for: Checking | Savings | Money Market | CD | IRA

Travis Credit Union Checking Account Rates

Apy	Min	Max	Product
0.15%	$50k	-	Investor Checking Account
0.05%	$500	-	Better Business Dividend Checking Account
0.05%	$500	-	Dividend Checking Account
0.05%	$500	-	Silver Wings Checking Account
0.00%	$100	-	Free Business Checking Account
0.00%	$100	-	Free Non Profit Business Checking Account
0.00%	$100	-	Better Business Checking Account
0.00%	$100	-	Analyzed Business Checking Account
0.00%	$50	-	Free Checking Account

Travis Credit Union Savings Account Rates

Apy	Min	Max	Product
4.00%	-	$500	Ultimate Rewards Package Account
0.25%	$100	-	Health Savings Account
0.05%	$100	-	Business Share Account
0.05%	$100	-	Prime Share Account
0.05%	$100	-	Target Share Savings Account
0.05%	$200	-	IRA Savings Account
0.05%	$200	-	Coverdell Educational Savings Account
0.05%	$200	-	Roth IRA Savings Account
0.05%	$200	-	SEP IRA Savings Account

Travis Credit Union Money Market Rates

Apy	Min	Max	Product
0.30%	$100k	-	Business Jumbo Money Market Account
0.30%	$100k	-	Jumbo Money Market Account
0.25%	$75k	-	Business Premiere Plus Money Market Account
0.25%	$75k	-	Premiere Plus Money Market Account
0.20%	$50k	-	Business Premiere Money Market Account
0.20%	$50k	-	Premiere Money Market Account
0.15%	$75k	-	Business Flexible Money Market Account
0.15%	$75k	-	Flexible Money Market Account
0.10%	$25k	-	Business Sterling Money Market Account
0.10%	$25k	-	Sterling Money Market Account

Travis Credit Union CD Rates

Apy	Min	Max	Product
1.20%	$50k	-	60 Month Laddering Certificate
1.10%	$500	-	Business 60 Month CD
1.10%	$500	-	60 Month Standard CD
0.95%	$50k	-	48 Month Laddering Certificate
0.85%	$500	-	Business 48 Month CD
0.85%	$500	-	48 Month Standard CD
0.70%	$50k	-	36 Month Laddering Certificate
0.60%	$500	-	Business 36 Month CD
0.60%	$500	-	36 Month Standard CD
0.55%	$50k	-	24 Month Laddering Certificate
0.45%	$500	-	Business 24 Month CD
0.45%	$500	-	24 Month Standard CD
0.45%	$50k	-	12 Month Laddering Certificate
0.35%	$500	-	Business 12 Month CD
0.35%	$500	-	12 Month Standard CD
0.25%	$500	-	Business 6 Month CD
0.25%	$500	-	6 Month Standard CD

Travis Credit Union IRA Rates

Apy	Min	Max	Product
1.20%	$50k	-	60 Month Laddering IRA Certificate
1.20%	$50k	-	60 Month Laddering Coverdell ESA Certificate
1.20%	$50k	-	60 Month Laddering Roth IRA Certificate
1.20%	$50k	-	60 Month Laddering SEP IRA Certificate
1.10%	$500	-	60 Month Coverdell ESA Certificate
1.10%	$500	-	60 Month IRA Certificate
1.10%	$500	-	60 Month Roth IRA Certificate
1.10%	$500	-	60 Month SEP IRA Certificate
0.95%	$50k	-	48 Month Laddering IRA Certificate
0.95%	$50k	-	48 Month Laddering Coverdell ESA Certificate
0.95%	$50k	-	48 Month Laddering Roth IRA Certificate
0.95%	$50k	-	48 Month Laddering SEP IRA Certificate
0.85%	$500	-	48 Month Coverdell ESA Certificate
0.85%	$500	-	48 Month IRA Certificate
0.85%	$500	-	48 Month Roth IRA Certificate
0.85%	$500	-	48 Month SEP IRA Certificate
0.70%	$50k	-	36 Month Laddering IRA Certificate
0.70%	$50k	-	36 Month Laddering Coverdell ESA Certificate
0.70%	$50k	-	36 Month Laddering Roth IRA Certificate
0.70%	$50k	-	36 Month Laddering SEP IRA Certificate
0.60%	$500	-	36 Month Coverdell ESA Certificate
0.60%	$500	-	36 Month IRA Certificate
0.60%	$500	-	36 Month Roth IRA Certificate
0.60%	$500	-	36 Month SEP IRA Certificate
0.55%	$50k	-	24 Month Laddering IRA Certificate
0.55%	$50k	-	24 Month Laddering Coverdell ESA Certificate
0.55%	$50k	-	24 Month Laddering Roth IRA Certificate
0.55%	$50k	-	24 Month Laddering SEP IRA Certificate
0.45%	$500	-	24 Month Coverdell ESA Certificate
0.45%	$500	-	24 Month IRA Certificate
0.45%	$50k	-	12 Month Laddering IRA Certificate
0.45%	$50k	-	12 Month Laddering Coverdell ESA Certificate
0.45%	$50k	-	12 Month Laddering Roth IRA Certificate
0.45%	$500	-	24 Month Roth IRA Certificate
0.45%	$50k	-	12 Month Laddering SEP IRA Certificate
0.45%	$500	-	24 Month SEP IRA Certificate
0.35%	$500	-	12 Month Coverdell ESA Certificate
0.35%	$500	-	12 Month IRA Certificate
0.35%	$500	-	12 Month Roth IRA Certificate
0.35%	$500	-	12 Month SEP IRA Certificate

Rates updated: 5/18/2013

Data for Q4 2012

Institution Statistics

TRAVIS
NCUA #	68429
BankRate Report	View
Year Chartered	1951
Employees	447
Primary Regulator
Assets and Liabilities
Assets	$2.03 billion
Loans	$971.98 million
Deposits	$1.78 billion
Equity Capital	$228.55 million
Loan Loss Allowance	$17.27 million
Unbacked Noncurrent Loans	$9.37 million
Real Estate Owned	$5.21 million
Historic Data - December 2011
Assets	$1.92 billion
Equity Capital	$198.77 million
Loan Loss Allowance	$28.09 million
Unbacked Noncurrent Loans	$24.87 million
Real Estate Owned	$3.60 million
Profit Margin - Quarterly
Net Interest Margin	6.22%
Return on Assets	1.52%
Return on Equity	13.51%
Interest Income	$71.98 million
Non-Interest Income	$28.59 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 Travis Credit Union had $14.58 million in non-current loans and owned real-estate with $245.82 million in equity and loan loss allowances on hand to cover it. This gives Travis Credit Union a Texas Ratio of 5.93% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Travis Credit Union decreased significantly from 12.55% as of December 31, 2011 to 5.93% as of December 31, 2012, resulting in a positive change of 52.73%.This indicates that the balance sheet and financial strength for Travis Credit Union has improved significantly in recent periods.
Deposit Growth
In the past year, Travis Credit Union has increased its total deposits by $76.91 million, resulting in 4.5% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Travis Credit Union has shown is above average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Travis Credit Union has $2.03 billion in assets with $245.82 million in equity, resulting in a capitalization level of 12.13%, which is excellent.