Refer-A-Loan and get $50 A story behind every home loan See what

Spring 2013
Refer-A-Loan and
get $50
A story behind
every home loan
See page 4
See page 6
Vol. 7, No. 2
See what we can
do for your small
business!
See page 12
Getting Feedback Helps Us Serve You Better
Patsy Van Ouwerkerk
President and CEO
Every day at Travis Credit
Union we live our mission of
helping members improve
their financial lives. This
culture of service relies on our
employees actively engaging
you in conversations at our
branches, on the phone and
through electronic and other
communication. It’s not that
we’re nosey; rather, we thrive
by learning more about you
and your unique financial
situation.
These conversations give us
opportunities to better match
services and products that fit
your needs. We believe that
if you’re happy and satisfied
with us, you will continue to
share the benefits of credit
union membership with
others, too.
Patricia Moreno
Board Chair
We share in your
success
signed their loan documents,
the husband was offered a
permanent position at his
job. He called the timing a
blessing because they are
now able to save money
again with confidence.
In another example, a
member walked into a branch
looking to consolidate her
high-interest rate credit
cards. After explaining her
situation, an employee
reviewed the member’s
account and discovered a way
to consolidate her debt into a
single loan, thereby reducing
her monthly expenses by
$400. The employee said the
person was shocked that we
could save her that much
money. If there’s a way to
save our members money,
we’ll do our best to find it!
Annual meeting
When our employees find
ways to save members
money or improve their
financial situations, they often
share it with co-workers.
We celebrate these success
stories as an organization
to acknowledge these
individuals and to inspire
other employees to take the
initiative and do the same.
Our annual membership
meeting provides you with
another way to communicate
with us. This meeting will
be held at 5 p.m. Thursday,
April 25, in our TCU
Community Room in
Vacaville. We’ll discuss last
year’s achievements and
outline the credit union’s
goals for 2013.
For example, a couple
recently saved almost
$1,000 a month in mortgage
payments when a Travis
employee finally persuaded
them to refinance their home
loan. On the same day they
We’re also holding a
community meeting in
Atwater on May 23. See this
issue for more information.
Patricia and I invite you to
attend the meeting that is
most convenient for you.
Referrals may earn
you $50
Another way we measure our
success is by the response
you give to our promotions.
Our reputation as the best
place to bank in Solano
County has been built by
service and by word-ofmouth referrals. In this issue,
read how you can earn up to
$50 in cash by referring a new
member to us who then gets
consumer loans during the
promotional period. When
the new member you refer
funds their loan, they can
receive up to $50, too.
You may have noticed our
social media efforts over the
past few months, especially
on facebook. We’re working
hard to engage you in social
media to better serve you.
Rest assured we are reading
your posts and comments,
and responding to them.
Finally, you can provide direct
input to us by responding
to our annual survey. We
recently mailed random
members this questionnaire,
which allows you to rank us
in various areas. The survey
results are then tallied so we
can gauge our strengths and
areas where we can do better.
If you’ve received a survey,
we encourage you to answer
honestly and return the form
to us.
Patricia and I hope to see you
at one of our meetings soon.
Have a great spring!
2www.traviscu.org
Join Us For Our
62nd Annual Meeting
Mark your calendar now to attend our annual business meeting. Meet the volunteer
Board of Directors and Supervisory Committee on Thursday, April 25, at 5 p.m.
in the Community Room of our corporate headquarters at One Travis Way, in Vacaville.
TCU President and CEO Patsy Van Ouwerkerk and Board Chair Patricia Moreno will review
2012’s accomplishments and financial performance and highlight the credit union’s
priorities for 2013.
The Nominating Committee has recommended incumbents Len Augustine, Pat
Moreno and Curt Newland for re-election to three-year terms on the Board of Directors.
Recommended for re-election to a three-year term on the Supervisory Committee is
Arturo Reyes.
All candidates running for the Board of Directors and Supervisory Committee are
unopposed and will therefore be elected by acclamation at the meeting in accordance
with the credit union’s bylaws. See you there!
Attend our Community Meeting in Atwater
If you’re in the Atwater or Merced area, we invite you to attend our Community Meeting
on May 23 at 6 p.m. at the Castle Air Museum, 5050 Santa Fe Drive, Atwater, CA.
TCU President and CEO Patsy Van Ouwerkerk will review items discussed at the
Annual Meeting.
Contents
2 Getting Feedback Helps
Us Serve You Better
3 62nd Annual Meeting
Community Meeting
in Atwater
Are You Our Facebook Fan?
4 Refer-A-Loan and Get $50
5 It’s Here! TCU’s App for
Android™-based phones
Popmoney® Mobile Pay
6 There’s a Story Behind
Every Home Loan We Do
7 No Points, No Fees
Refinancing
Student Loans Take the
Sting Out of Studies
8 In the Community
Are You Our Facebook Fan?
10 On-the-Spot Auto Lending
at Dealerships with CUDL
Follow us on Social Media
11 Spring into Savings with
a New Vehicle
If you use social media to keep in touch with
friends, family, news and other information,
follow Travis Credit Union on Facebook and
Twitter! We’ll keep you informed about credit
union updates, events and other activity.
You’ll also get financial tips and special
discount offers, as well as a chance to play
some fun contests with some great prizes.
If you played our recent 10 Grand for 1 Fan
contest, you know what we’re talking about.
We encourage you to share our Facebook
and Twitter pages with your friends, too!
See you online!
Flex Your Financial Power
with an Intro Rate
12 Business Matters
13 Save with Sprint
MBI Vehicle Insurance
14 What to Know About
Merchant Surcharges
Switch to Direct Deposit
New Address? Let Us Know
NCUA Insurance
15 Free Seminars
(707) 449-4000 or (800) 877-8328
3
2013 Refer-A-Loan
Bucks for them | Bucks for you
Members
Win, Too!
There’s another way existing
members can earn bucks.
From March 20 until April 30, 2013,
existing members who refinance their
auto loan from another lender with
Travis Credit Union will receive $50 after
their loan is funded!*
As a Travis Credit Union member, you know about the many ways
we save you money. Now we want you to tell others about it! When
you refer a new member to us who is approved for a TCU consumer
loan of $15,000 or more, we’ll give you $50*. And the person you
referred gets $50†, too!
Our $50 Refer-A-Loan promotion runs through April 30, 2013.
Simply use the program’s loan referral form or card to refer
someone. When that person becomes a member and is approved
for a consumer loan of $15,000 or more, you both get $50! If the
loan is between $5,000 and $15,000, you’ll each get $25!
There’s no limit to the number of referrals you can give in our
Refer-A-Loan promotion. You can pick up these referral cards at
any branch or visit our Web site at www.traviscu.org and click on
the $50 Refer-A-Loan link to get a PDF version of the referral card.
Share this promotion with your friends, co-workers and extended
family members. If they’re in the market for a consumer loan, send
them to us and get cash for doing so!
Hurry, our Refer-A-Loan promotion ends April 30, 2013.
Simply visit any TCU branch and complete
the Auto Refi coupon when applying for
your TCU auto loan and we’ll take care
of the rest! This offer is separate to any
incentives you may receive from our 2013
Refer-A-Loan Promotion.
Hurry! Refinance by
April 30, 2013, and get $50
*This $50 offer is for refinance of an auto loan from another lender
and applies only to existing members of Travis Credit Union (TCU).
It cannot be combined with other consumer loan offers and is not
valid on existing TCU loans or loans paid to individuals. To qualify,
auto refinance applications from another lender must be submitted
between March 20, 2013 and April 30, 2013. Existing members
must submit the $50 Auto Refinance coupon to receive offer. Auto
loan refinanced must be at least $15,000. The $50 incentive
payment will be credited to the member’s savings account within
45 days after the auto loan is funded. Loan rates are based on
creditworthiness and age of vehicle. Member is responsible for
applicable tax consequences associated with this offer. Please
consult your tax advisor. TCU reserves the right to end this offer
at any time. TCU employees, volunteers and their immediate
family members are not eligible to participate in this promotion.
Other restrictions and requirements may apply.
*Visit any branch or www.traviscu.org to view official rules for Travis Credit Union’s 2013 Refer-A-Loan Promotion. †Referred member must present the completed referral card when they join Travis Credit
Union in person at a Travis Credit Union branch by April 30, 2013 and must fund a Travis Credit Union consumer loan of $5,000 to $14,999 to be eligible for the referral offer of $25; a funded loan of at least
$15,000 is required for the referral offer of $50. This promotion applies only to auto loans, credit cards and personal lines of credit. Real estate loans are not eligible. To determine the qualifying balance of
revolving credit lines, we will use the balance at the end of the following month after the line is opened. Cannot be combined with other print or online offers/discounts. Member is responsible for applicable
tax consequences of this offer.
4www.traviscu.org
It’s Here! TCU’s New
Mobile App for Android™
Smartphones
You asked for it, and we listened
Travis Credit Union’s new app for Android-based smartphones is
simple, fast and secure! Download it free from the Google Play™
Store today!
Enjoy access anytime to your TCU Online Banking accounts.
Review balances and transaction histories, view check images
and transfer funds between TCU accounts. Search for ATMs and
TCU branches near you by address, Zip Code or current location.
Plus, get real-time, current rates for all of our financial products
and so much more! Use the “Contact Us” tab to reach us.
Download our Android app today!
Google and the Google Logo are registered trademarks of; Android,
Android Market and Google Play are trademarks of Google Inc.
Make Payments via e-mail or
Mobile Phone with Popmoney®
Do you need to send money to a relative
fast and wish there was a quicker way
than mail? Does your out-of-state college
student need cash for an unexpected
school expense? Do you wish you could
pay someone with a few clicks on the
computer instead of mailing a check?
Now you can with Popmoney, a new
personal payment feature that’s part of
Travis Credit Union’s Bill Pay services.
Popmoney makes it safe and easy for
you to send or receive money using your
recipient’s e-mail address or mobile
phone number. Popmoney is available at
more than 1,400 participating financial
institutions and 35 million people,
including TCU members.
Sign up for Popmoney
It takes just a few simple steps to register
for Popmoney. You’ll need to provide
your mobile phone number and e-mail
address, and set up payee contact
information in our Online Banking
system.
(707) 449-4000 or (800) 877-8328
Here’s how it works:
n Log in to Online Banking and click the
“Bill Pay” tab.
n Click “Get Started” at the bottom of
the page. On the next screen, click the
“Go to the Payment Center” link.
n Click on the “Popmoney” tab and
follow the instructions for entering
your information and conducting the
transaction.
That’s it! You’ll receive notification once
your Popmoney transaction has been
completed. If you’re receiving money,
you’ll get an e-mail or text message
telling you someone has sent you funds
through Popmoney. To view the funds
sent and to direct Popmoney on what
account it should go to, login to Online
Banking and follow the instructions.
Payments associated with a recipient’s
bank account will be automatically
deposited there.
Don’t use Bill Pay?
See what you’re missing
If you’re not using our free automatic
Bill Pay service, give it a try! Bill Pay lets
you pay bills online, anytime, from any
computer with Internet access. There
are no checks to write, no stamps to
buy and no driving to the branch.
Our Bill Pay allows you the option to
schedule payments in advance, set
up recurring payments, receive bills
electronically and review your payment
history when you want to. Bill Pay
is available for free with every TCU
checking account.
Contact us about Popmoney or
Bill Pay today!
5
Melanie Miller
Zarah Gutierrez
Mortgage Loan Consultant
Mortgage Loan Consultant
There’s a Story Behind
Every Home Loan We Do
Just ask Melanie and Zarah
At our branches throughout Northern
California and at our Home Loan Center
in Vacaville, you’ll find professional and
friendly Travis Credit Union employees
eager to help you get the home loan
your need, including Zarah Gutierrez
and Melanie Miller. That’s because our
employees know there’s a story behind
every home loan application and that
a member is always more than just an
account number.
“It was a blessing in disguise”
Melanie, a Senior Member Service
Representative who works at our
Gateway Branch, had spoken to a couple
about the benefits of refinancing their
home on several occasions. She was
finally able to get them to apply last July,
when they were looking for ways to save
money. Melanie was able to reduce their
mortgage payment by almost $1,000 a
month. Plus, on the day they signed the
loan docs, the husband was offered a
full-time, permanent position, allowing
the family to save with confidence. They
called the entire situation “a blessing in
disguise.”
“She thought it was too good
to be true.”
That’s the response Zarah, a Senior
Mortgage Loan Consultant at our Home
Loan Center, received when she showed
a homeowner how Travis could refinance
her mortgage with no upfront costs. The
woman was skeptical at first and kept
waiting for the other shoe to drop, but
there wasn’t any bad news. Zarah was
able to refinance the woman’s home
loan to a 15-year fixed-rate, reducing her
mortgage payment by $461 a month.
“She couldn’t believe what she was
hearing,” Zarah said. “She thought it
was too good to be true.’’
Zarah, Melanie and the rest of our team
are eager to help you buy or refinance
a home. Take advantage of today’s
historically low rates to buy a new home
or lower your monthly payments. We
listen to your needs, tell you what’s
needed upfront and work with you
through every step of the loan approval
process. We know there’s a story behind
every home loan we do. What’s yours?
Just call, click or stop by to apply:
Call (888) 698-0000
Apply online at www.traviscu.org
Stop by your local TCU branch,
all with Saturday hours!
Refinance excludes any refinance of a TCU “No Points, No Fees” loan less than 48 months old, and cannot be combined with other discounts or promotions.
Use of Travis Credit Union’s preferred title company required. CA properties only. Other restrictions apply. NMLS registered. Equal Housing Lender.
6www.traviscu.org
No Points,
No Fees
Refinancing
Spring into Savings
Refinance today — You could save thousands
This spring, take advantage of our
“No Points, No Fees” refinancing
option to save on your home loan
refinance with our low fixed rates.
You’ll save money not only by
refinancing but by lowering your
monthly mortgage payments!
If you’ve got enough equity in your
home, refinancing to a lower rate may
allow you to shorten the term of your
existing mortgage to 15 years so you
can pay off your home even faster. You
may even consolidate debt and turn
your equity into cash!
Just call, click or stop by to apply:
Call (888) 698-0000
Apply online at www.traviscu.org
Stop by your local TCU branch,
all with Saturday hours!
Refinance excludes any refinance of a TCU “No Points, No Fees” loan less than 48 months old, and cannot be combined with other discounts or promotions.
Use of Travis Credit Union’s preferred title company required. CA properties only. Other restrictions apply. NMLS registered. Equal Housing Lender.
Take the Sting Out of Studies
with a Student Loan
If you’re sending yourself or a loved one
off to college this fall and are looking
for ways to help pay for that education,
consider a private student loan. We’ve
partnered with the cuScholar Private
Student Loan Program to allow TCU
members access to loans that have
some of the lowest interest rates
available.
Students may borrow from $2,000
up to the cost of attendance per year,
with a maximum of $120,000 in total
undergraduate loans or $160,000 in
total graduate loans per student. The
funds can be used for any qualified
educational expense. The program has
no origination fee and you can cancel
the loan within 30 days without paying
any fees or interest.
(707) 449-4000 or (800) 877-8328
To qualify, you must be enrolled in an
eligible post-secondary school and
pursuing a degree program. You must
be a member of Travis Credit Union at
the time you apply. Also, the borrower
and any co-signers must be U.S. citizens
or permanent residents.
There’s a related program for recent
college graduates that allows you to
consolidate all of your student loans.
You may refinance from $7,500 to
$125,000 in undergraduate private
student loan debt.
Call (888) 549-9050 to learn more about
these programs. You can also click on
the cuScholar Private Student Loans
banner at www.traviscu.org.
Look for our scholarship winners
Thank you to every TCU member who
submitted an application for one of our
$1,500 scholarships. We’ll announce the
winners of our Mary Keith Duff Memorial
Scholarship in the Summer issue of
Smart Money Matters in July.
All scholarship winners will be notified
by June 1. Good luck to all you high
school seniors!
7
In the community
Here are some of the events our employees participated in
over the past few months:
Travis Credit Union employees actively support the people
and communities we serve through an investment of
financial resources and human capital. We’re also engaged
in the credit union industry, promoting the mission of
“People Helping People.”
Military Saves Week
VITA Tax Return Workshops
Travis Credit Union employees and our T-Bird mascot
participated in a Military Saves Week event on Feb. 25 at our
Travis AFB Branch. Military Saves Week is a national campaign
to encourage military families to save money every month
and to encourage automatic savings.
Travis Credit Union hosted six free tax return service
sessions in February and March for qualified residents in
the community. The sessions were very popular and well
attended. We partnered with the IRS Volunteer Income
Tax Assistance (VITA) program to provide this free tax
return service.
Free Shredding Event
Protecting yourself from identity theft is important.
On March 9, Travis held a shredding event at its corporate
headquarters in Vacaville to allow community residents
to safely discard their unwanted personal and financial
documents. A free e-waste collection site was also available.
8www.traviscu.org
Benicia Chamber Installation Dinner
Solano EDC Annual Meeting
TCU managers and employees are active in the communities
we serve, including with the chambers of commerce in the
various counties where we have branches. Here are a few
TCU employees at the Benicia Chamber Installation Dinner
in January.
TCU board directors and managers attended the annual
meeting of the Solano Economic Development Council on
Jan. 31. The credit union is a strong supporter of economic
development in Solano County and its seven cities, and
helped sponsor the event. Patsy Van Ouwerkerk serves as
Board Chair for the organization.
(707) 449-4000 or (800) 877-8328
9
On-the-Spot Auto Lending
at the Dealership with
Did you know there’s a quicker and easier
way to buy a new car at a dealership?
With the Credit Union Direct Lending
(CUDL) program, you can obtain credit
union financing while at a participating
CUDL dealership. That means no trips
to your branch. Enjoy on-the-spot loan
financing so you can start enjoying your
new car sooner.
Started in 1994, the CUDL program
provides a fast and easy way to get credit
union financing at local dealerships.
Today, the program covers most states
and represents more than 20 million
credit union members, 9,500 dealerships
and 650 credit unions.
It’s easy to take advantage of this
program. Look for dealerships that
display the CUDL logo or simply ask
for credit union financing. There’s no
pre-approval needed from Travis Credit
Union – just start shopping.
Once you’ve selected your new car
and negotiated a fair price, the CUDL
approval process occurs right at the
dealership. You’ll enjoy the same rate and
terms you’d find at a branch. Once you
sign the loan papers at the dealership,
that’s it. You’re done. You don’t have to
visit your credit union to complete this
loan because everything is conveniently
taken care of at the dealership.
If you’re not yet a credit union member,
you may be eligible for membership
and can sign up on-the-spot. Also, the
CUDL program has trained dealership
representatives who are familiar with
credit union financing policies and
procedures and can streamline the
loan process. To locate your nearest
CUDL AutoSMART representative,
visit www.cudlautosmart.com and
click on the “locate” tab.
This Web site is also a great place to
research for your new car if you’re not yet
ready to buy. You can find information
and resources on new and used vehicles,
on selling your old car and on the CUDL
program.
With Travis Credit Union’s competitive
low rates and on-the-spot dealership
financing through CUDL, you can make
your next car buying experience quicker
and easier. If you have any questions
about our auto loans or pre-approvals,
call (800) 877-8328.
10www.traviscu.org
As lows as
Spring into Savings
with a New Vehicle
2.99
%*APR up to
84 months
n Flexible terms, quick loan processing
n Low rates on new and used vehicles
n Online vehicle research tools and loan
calculators
n Professional, friendly member service
Spring is a great time to buy a vehicle because dealers
are anxious to move their remaining 2012 models out of
inventory. That means they’re offering more incentives and
discounts off the sticker price.
But before you step on to the dealer’s lot, do your homework
first so you can shop with confidence and knowledge.
Look for the
logo and complete your financing
with TCU at the dealership after you’ve found the perfect
car. You’ll receive the same rates and terms as you would at
a branch.
*For example, at 2.99% APR for 84 months, payments are $13.21 per month per $1,000 financed, based on $0 down on 2012-2013 vehicle models. Rate reflects a 0.25% discount for automatic payment
and a 0.5% discount for being a member for more than 6 months. Final rate will be based on credit score and loan-to-value (LTV) ratio. All loan rates are subject to change daily without notice. Please visit
www.traviscu.org for current rates on vehicle loans. Other rates and restrictions apply to 2003-2011 vehicles models. Existing Travis Credit Union vehicle loans are not eligible for refinancing.
Flex your Financial Power
with an Intro Rate of 6.9 %
APR*
n Pay off high-interest rate credit cards or loans
n Pay for property or income taxes
n Make home improvements that can save
even more each month
Are high-interest rates on your credit cards and loans making
it hard to climb out of debt? With our low introductory rate of
6.9% APR on a new TCU Platinum Rewards VISA® credit card,
you can consolidate your bills into a single low-rate monthly
payment that can save you money.
Flex your financial power when you need to. Use your new
Platinum Rewards card to help you pay off your bills, up to your
available credit limit. We’ll even process cash advances at the
6.9% APR introductory rate, but unlike other lenders, we won’t
charge you a Cash Advance Fee – another way to save!
And your savings doesn’t stop there. With our Platinum
Rewards card, you’ll earn points for travel items, including
free airline tickets with no blackout days, vacation package
discounts and more! Your rewards points are good for five
years – so you can save your points for the things you really
want, all for a low annual fee of $25.**
Stop by a branch, visit www.traviscu.org, or give us a call to
apply for our Platinum Rewards VISA card.
Flex your financial power today!
*Final product and APR will be determined based on credit worthiness. Loss of Introductory APR: We may end your introductory APR and apply the final APR, which will be determined based on your credit worthiness, if
you make two late payments during the introductory period. Members must take advantage of this introductory rate offer by May 31, 2013. This special APR is good only for 12 consecutive months from the date the credit
card account is opened. **VISA Rewards Annual Fee: $25.00 The Annual Rewards fee will be waived for those Visa card holders who opt out of the rewards program. If you opt-out of rewards program you may opt back in
later, a $25.00 annual rewards fee will apply. Please see the Credit Card Agreement and Disclosure Statement, and Credit Card Cardholder Agreement and Disclosure for complete details.
(707) 449-4000 or (800) 877-8328
11
Business Matters
Francine Boards
See What We Can Do For
Your Small Business!
Do you know what Travis Credit Union can do for your small
business? We offer just about any business loan product or
service a small business owner needs. From business lines of
credit and term loans starting at $50,000 to Small Business
Administration (SBA) loans, we’re your local business lender.
VP, Business Lending
and Services
If you’re a current business owner or someone interested
in starting up your new business, we can help. We have the
expertise, financial strength and experience to help you reach
your business goals. Please give us a call at (707) 469-1857.
Here’s what we can do for you with our Small Business Real Estate Loan Programs:
Conventional Financing
SBA 504 Loan Program
(up to $10 million)
(up to $10 Million)
n Up to 75% financing for General Purpose real estate
acquisition, refinance and renovation.
n Up to 90% financing for real estate acquisition, refinance,
renovation and equipment.
n Up to 75% financing for Special Purpose real estate
acquisition, refinance and renovation.
n Up to 85% project financing for hotel/motel and
gas station acquisition.
n No requirement for owner occupancy.
n 20- to 30- year fully amortized loans available.
n Up to 30 year amortization.
n Financing for franchises, i.e. hotels/motels, restaurants
and gas stations.
n No prepayment option available.
SBA 7(a) Loan Program
(up to $5 million)
n Up to 50% of loan includes long term fixed rate
SBA debenture.
n Owner/user must occupy a minimum of 51%.
n Up to 90% financing for real estate acquisition, refinance
and renovation. Up to 80% for business acquisition.
n 25-year fully amortized real estate loans; no call dates or
balloons.
n 10-year business acquisition loans; no call dates or balloons.
n Owner/user must occupy a minimum of 51%.
General Purpose Properties
Multi-family, Multi-tenant, Office, Retail, Warehouse,
Light Industrial
Special Purpose Properties
Hotel/Motel, Gas Stations, Restaurants, NNN
Subject to credit approval. All business accounts must maintain a Business Savings with a minimum opening deposit of $100 plus a one time membership fee of $5.
Additional fees may apply. Please refer to the product disclosure and Business Account Fee Schedule. Everyone who lives, works, worships or attends school in our
12www.traviscu.org
12-county area is eligible to join. Certain membership requirements may apply. NMLS registered. Equal Housing Lender
Protect Yourself from the
Cost of Car Repairs with MBI
If you didn’t buy a service contract when
you purchased your vehicle, you can
still protect yourself from the high cost
of repairs with Mechanical Breakdown
Insurance (MBI) from Travis Credit Union.
Our MBI program covers any vehicle
with any amount of mileage, and can
be purchased at any time on vehicles
of any age.*
If you’re financing your vehicle through
Travis Credit Union, you may add MBI to
your loan payments anytime during the
term of your loan. You can also purchase
MBI from us if you own your vehicle
outright or if it’s financed through
another financial institution.
Protect yourself from the high cost
of auto repairs. Get MBI today!
Call toll-free (800) 877-8328 Monday
through Friday, 8 a.m. to 5 p.m.
Here are some of the advantages of
purchasing MBI for your vehicle:
n Available on any vehicle, with any
amount of mileage or of any age
n Competitive rates
n Three different plans—
all with no deductible
talk about
savings.
n Rental car allowance
n Nationwide coverage
n 60 day money-back guarantee
say hello to the Sprint Credit
Union Member Discount.
• 10% off* select regularly priced Sprint service plans
• 15% off* select regularly priced Sprint business service plans
• Waived activation fee on new activations
n 24/7 emergency roadside
assistance that includes battery
jump starting, fuel delivery,
lock-out service, towing,
flat tire assistance
n Direct claim payments via VISA®
or MasterCard®
• Waived upgrade fee
Available to new and existing Sprint members.
Tell them you’re a Credit Union Member to get this exclusive discount.
n All plans are transferrable to a
new owner of the vehicle
Ask them to be attached to the NACUC_ZZM Corporate ID.
Click www.LoveMyCreditUnion.org/Sprint
Call 877.SAVE.4.CU. (877.728.3428)
Visit your local Sprint retail location.
*Application of discount requires 2-year contract extension on existing plans. Verification of membership is required at time of activation/upgrade.
All rights reserved. Sprint, the logo, and other trademarks are the trademarks of Sprint Nextel. Discount does not apply to secondary lines.
For a complete update on the rules of the Sprint Credit Union Member Discount program, please visit www.lovemycreditunion.org/Sprint.
2012 Sprint Item #800-11
©2012 CU Solutions Group 03/12 567
(707) 449-4000 or (800) 877-8328
*This insurance program is offered through Route 66 MBI.
There’s a 30-day and 1,000-mile waiting period. All vehicle
repairs must be approved by the claims office. Route 66 MBI
policies are transferrable for a $40 fee.
13
What to Know about
Merchant Surcharges
Facts about Merchant Surcharges:
A recent legal settlement between VISA® and MasterCard®
and retailers now allow retailers in the U.S. to impose a
surcharge or checkout fee to people who pay with a credit
card. This surcharge would help merchants pass along the
credit card payment processing costs to consumers.
n Retailers must notify customers about the credit card
surcharge before customers make a purchase. There must
be signs at the store entrance and at the point of sale.
But California has laws that limit merchant surcharging,
which means you should not be charged a surcharge if
you’re paying with your credit card. According to VISA, this
change in merchant surcharging took effect on Jan. 27, 2013.
However, if you are traveling out-of-state for vacation or
business, merchants could add a surcharge.
Switched to
Direct Deposit?
Enroll today for quicker access
to your money
On March 1, the U.S. Treasury
Department began issuing electronic
payments for all federal benefit
payments, including Veterans
Administration and Social Security
benefits. Enroll in Direct Deposit today
to ensure your benefit payments are not
interrupted.
You can add direct deposit for free
to your Travis Credit Union checking
account. You’ll get immediate access to
your funds and peace of mind knowing
your money is safe and secure.
If you don’t sign up for direct deposit,
the federal government may issue you a
debit MasterCard instead of your paper
check. Learn more about the federal
government’s switch to electronic
deposits at www.godirect.org.
n Retailers may apply a surcharge only for credit card
purchases, and not for purchases made using a debit
or prepaid card.
n Retailers must show the surcharge fees on every receipt,
no matter if it is an in-store or online transaction.
n There are limits to the amount merchants can surcharge,
which is not more than 3% of the purchase amount.
n Retailers may offer a discount for cash and check purchases
to encourage people to use other forms of payment.
New Address?
Let Us Know
Credit Unions are
Federally Insured
Please let us know if you have moved
or changed your address to ensure you
continue receiving your statements
and other credit union correspondence
on time. You can update your contact
information, including any change in
e-mail address, by visiting any TCU
branch, calling the member service
center or logging in to Online Banking,
where you can edit your Personal Profile
information.
Your Travis Credit Union share deposit
accounts are federally insured up to
$250,000 by the National Credit Union
Administration (NCUA). This insurance
is similar to the insurance on deposit
accounts at banks provided by the
Federal Deposit Insurance Corporation
(FDIC).
If you have a vehicle loan, it’s important
to also change your address with the
California Department of Motor Vehicles
to ensure you’ll receive your vehicle title
promptly after paying off your loan.
This also applies to your annual vehicle
registration information.
If you have a question about address
changes or loan payoffs, please give us
a call.
The NCUA administers the National
Credit Union Share Insurance Fund
(NCUSIF), which was created in 1970 to
insure members’ deposits. The share
insurance level was permanently set
at $250,000 per account in 2010. The
NCUSIF is backed by the full faith and
credit of the U.S. government.
This fund was created by and continues
to be paid for entirely by credit unions.
No federal tax dollars have ever been
placed in the fund, and no member has
ever lost money insured by the NCUSIF.
Visit the NCUA Web site http://ncua.gov
for more information.
14www.traviscu.org
Free Seminars
Travis Credit Union offers a variety of free seminars
throughout the year on a wide range of subjects, all
designed to help you achieve your important personal
and financial goals.
All seminars are located in the Community Room of Travis
Credit Union’s headquarters, One Travis Way, Vacaville, CA,
unless otherwise noted. To register for a seminar, please
call (707) 449-4000 or (800) 877-8328 at least one business
day before the seminar. You may also sign up online at
www.traviscu.org.
First-Time Homebuyer
Saturday, April 13, from 9 a.m. to Noon
Two locations: Antioch Community Center,
4703 Lone Tree Way, Antioch;
or 1 Travis Way, Vacaville
Preparation for home ownership begins long before
the purchase actually takes places. This seminar covers prepurchase issues such as budgeting, determining how much
house is affordable, saving for a down payment
and other costs. You’ll learn about credit reports, managing
your debt-to-income ratio, the types of home loans
available and the mortgage lending process.
Tax Free Income –
Keep More of What You Earn
ID Theft: Who’s Got Your Number?
Hosted by:
Travis Financial Services
What are municipal bonds and how can they help you
keep more of what you earn? Learn about the various
uses of these bonds, their risks and why municipal
bond prices generally move in the opposite direction
of interest rates.
Attend our free seminar on
Tuesday, May 21, 2013, 11 a.m. to Noon
Held in the Community Room of
Travis Credit Union’s headquarters,
One Travis Way in Vacaville.
First-Time Homebuyer
Saturday, April 27, from 9 a.m. to Noon
Held at Centre Concord
5298 Clayton Rd., Concord, CA 94521 (see description above)
Presentation by Guest Speakers:
Eric Momsen
Vice President and Regional Wholesaler
Franklin Templeton
Chris Franta
Vice President and Product Manager
Franklin Templeton
Not NCUA Insured
Not Credit Union
Guaranteed
(707) 449-4000 or (800) 877-8328
Credit Ability
Wednesday, May 15, from 6 to 7:30 p.m.
Learn how to build good credit and why it’s so important.
Understand the significance of your credit score and
how to rebuild credit history by using credit wisely and
understanding the pitfalls that can cost you thousands.
Mad City Money - Teen Financial Boot Camp
May Lose Value
Travis Financial Services is a registered representative with, and
securities offered through LPL Financial, member FINRA/SIPC.
Insurance products offered through LPL Financial or its licensed
affiliates. Travis Credit Union, Franklin Templeton: not registered
broker/dealer(s) nor affiliate(s) of LPL Financial.
MKT-06054-0410
Tuesday, April 16, from 6 to 7:30 p.m.
About 11.6 million victims (4.9% of the total U.S. population)
lost money from financial fraud in 2011 (Javelin Strategy &
Research, 2012). You could be one of them and not know it
yet. How do people make themselves vulnerable to identity
theft? The presentation helps you understand how to
protect your Social Security number from fraud, become
skilled at spotting phishing attacks on your e-mail in-box,
learn how to shop safely online, and what to do if you
become a victim of fraud.
Tracking #1-142436
Wednesday, June 26, from 1 to 4:30 p.m.
The target audience is aimed at teenagers ages 15 – 18
This 3-1/2 hour simulation gives high school students a
sense of adulthood with income and bills to pay. Each
participant is assigned a temporary identity, including
occupation, salary, debt, marital status and children, etc.
They visit nine ”merchants” in Mad City to choose
housing and transportation and purchase necessities
and wants. The goal is to simulate the realities of
approaching financial responsibilities.
15
Presorted
Standard
U.S. Postage
PAID
Sacramento, CA
Permit No. 195
P.O. Box 2069
Vacaville, CA 95696
Branch Locations
Addresses
President and CEO
Antioch
2721 Lone Tree Way
5819 Lone Tree Way
Mailing P.O. Box 2069, Vacaville, CA 95696
Patsy Van Ouwerkerk
Atwater
981 Bellevue Road
Shipping
One Travis Way, Vacaville, CA 95687
Benicia
836-C Southampton Road
Clayton 5441 Clayton Road
Concord 1257 Willow Pass Road
Davis 1380 E. Covell Boulevard
Dixon
1450 Ary Lane, Suites B & C
Fairfield
5075 Business Center Drive
2600 Estates Drive
1340 Gateway Boulevard
2570 North Texas Street
659 Skymaster Drive (Travis AFB)
Merced 1194 West Olive Avenue
Napa 3263 Claremont Way
(Paradise Valley Residents only)
Richmond 3300-A Klose Way
Suisun
131-A1 Sunset Avenue
Vacaville 11 Cernon Street
2020 Harbison Drive
2010 Peabody Road
Vallejo
1796 Tuolumne Street
Woodland 1372 E. Main Street
Holiday closures
In recognition of the following holidays,
all branches and member service center
will be closed:
Memorial Day������������������������������May 27, 2013
Independence Day �����������������������July 4, 2013
For your convenience, Call-24 Phone Banking, Online Banking
and PhoneLoanSM will be available on these holidays.
Deposits and Loan Payments
Travis Credit Union
P.O. Box 8000
Travis AFB, CA 94535
Account Information
Call-24 Phone Banking
(707) 449-4700 or (800) 578-3282
Web site
www.traviscu.org
Service Departments
Member Service Center
(707) 449-4000 or (800) 877-8328
Home Loan Center
One Travis Way
(707) 469-2000 or (888) 698-0000
Business Services Center
One Travis Way
Deposit Accounts: (707) 469-2042
Business Loans: (707) 469-1857
PhoneLoanSM
(707) 451-5350 or (800) 449-4110
Check Fraud Information
(707) 469-4384 or (800) 877-8328, ext. 64384#
Debit / Credit Card Fraud Information
(707) 469-1810 or (800) 877-8328, ext. 61810#
Board of Directors
Patricia Moreno. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Chair
Deborah Aspling . . . . . . . . . . . . . . . . . . . . . . . Vice Chair
Mary Coburn . . . . . . . . . . . . . . . . . . . . . . . . . . . . Secretary
Tom Kulinski. . . . . . . . . . . . . . . . . . . . . . . . . . . . . Treasurer
Dee Alarcón. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Director
Len Augustine. . . . . . . . . . . . . . . . . . . . . . . . . . . . Director
Curt Newland. . . . . . . . . . . . . . . . . . . . . . . . . . . . . Director
Ann Rollin. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Director
Tim Truesdale. . . . . . . . . . . . . . . . . . . . . . . . . . . . Director
Supervisory Committee
Johanna Benker . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Chair
Thomas Watkins. . . . . . . . . . . . . . . . . . . . . . . . . Treasurer
Arturo Reyes. . . . . . . . . . . . . . . . . . . . . . . . . . . . . Member
Correspondence
Your feedback is important to us. Please
address your suggestions or concerns to:
Patsy Van Ouwerkerk
President and CEO
Travis Credit Union
P.O. Box 2069
Vacaville, CA 95696
Unresolved issues or problems regarding
the credit union should be directed to:
Travis Credit Union
Supervisory Committee
P.O. Box 2070
Vacaville, CA 95696
Smart Money Matters is produced by Travis Credit Union’s (TCU’s) marketing department for distribution each quarter to provide TCU news and
information that will help members achieve their financial goals. The contents do not constitute legal, accounting, tax or other professional advice.
Rates and policies are subject to change. All loans are subject to credit approval. Some restrictions may apply. For complete details, read your account
disclosures or contact the credit union.
Federally insured by NCUA. Everyone who lives, works, worships or attends school in Solano, Yolo, Contra Costa, Merced, Napa, Alameda, Colusa, Placer,
Sacramento, San Joaquin, Sonoma or Stanislaus County is eligible to join. Certain membership requirements may apply. Equal Housing Lender
NMLS registered
Spring 2013