A story behind every home loan See page 6

Spring 2013

Vol. 7, No. 2

Refer-A-Loan and

get $50

See page 4

A story behind

every home loan

See page 6

See what we can

do for your small

business!

2 www.traviscu.org

Getting Feedback Helps Us Serve You Better

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.

We share in your

success

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. 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

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

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.

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-of-mouth 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!

Patsy Van Ouwerkerk

President and CEO

Patricia Moreno

Join Us For Our

62

nd

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

10 On-the-Spot Auto Lending at Dealerships with CUDL

11 Spring into Savings with a New Vehicle

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

Are You Our Facebook Fan?

Follow us on Social Media

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!

4 www.traviscu.org *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.

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.

*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.

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!*

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

2013

Refer

-

A

-

Loan

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.

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!

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.

6 www.traviscu.org

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?

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.

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! Melanie Miller

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.

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!

No Points,

No Fees

Refinancing

Spring into Savings

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!

Refinance today — You could save thousands

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!

In the community

8 www.traviscu.org 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.”

Here are some of the events our employees participated in over the past few months:

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.

VITA Tax Return Workshops

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.

Military Saves Week

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.

Benicia Chamber Installation Dinner

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.

Solano EDC Annual Meeting

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.

10 www.traviscu.org 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.

On-the-Spot Auto Lending

at the Dealership with

As lows as

2

.

99

%

*

APR up to

84 months

*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.

Spring into Savings

with a New Vehicle

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.

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!

n Pay off high-interest rate credit cards or loans

nPay for property or income taxes

nMake home improvements that can save even more each month

*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.

Flex your Financial Power

with an Intro Rate of 6.9

%

12 www.traviscu.org 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.

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.

Conventional Financing

(up to $10 million)

nUp to 75% financing for General Purpose real estate acquisition, refinance and renovation.

nUp to 75% financing for Special Purpose real estate acquisition, refinance and renovation.

nNo requirement for owner occupancy.

nUp to 30 year amortization.

nNo prepayment option available.

SBA 7(a) Loan Program

(up to $5 million)

nUp to 90% financing for real estate acquisition, refinance and renovation. Up to 80% for business acquisition.

n25-year fully amortized real estate loans; no call dates or balloons.

n10-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

SBA 504 Loan Program

(up to $10 Million)

nUp to 90% financing for real estate acquisition, refinance, renovation and equipment.

nUp to 85% project financing for hotel/motel and gas station acquisition.

n20- to 30- year fully amortized loans available.

nFinancing for franchises, i.e. hotels/motels, restaurants and gas stations.

nUp to 50% of loan includes long term fixed rate SBA debenture.

nOwner/user must occupy a minimum of 51%.

See What We Can Do For

Your Small Business!

Francine Boards

VP, Business Lending and Services

Business Matters

Here’s what we can do for you with our Small Business Real Estate Loan Programs:

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 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

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

nThree different plans— all with no deductible

nRental car allowance

nNationwide coverage

n60 day money-back guarantee

n24/7 emergency roadside assistance that includes battery jump starting, fuel delivery, lock-out service, towing, flat tire assistance

nDirect claim payments via VISA® or MasterCard®

nAll plans are transferrable to a new owner of the vehicle

talk about

savings.

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

• Waived upgrade fee

*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 Click www.LoveMyCreditUnion.org/Sprint

Call 877.SAVE.4.CU.(877.728.3428) Visit your local Sprint retail location.

Available to new and existing Sprint members.

Tell them you’re a Credit Union Member to get this exclusive discount. Ask them to be attached to the NACUC_ZZM Corporate ID.

*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.

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.

14 www.traviscu.org

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.

New Address?

Let Us Know

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.

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.

Credit Unions are

Federally Insured

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).

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.

What to Know 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. 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.

Facts about Merchant Surcharges:

nRetailers may apply a surcharge only for credit card purchases, and not for purchases made using a debit or prepaid card.

nRetailers 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.

nRetailers must show the surcharge fees on every receipt, no matter if it is an in-store or online transaction.

nThere are limits to the amount merchants can surcharge, which is not more than 3% of the purchase amount.

nRetailers may offer a discount for cash and check purchases to encourage people to use other forms of payment.

Tax Free Income –

Keep More of What You Earn

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. 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 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 Tracking #1-142436

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 pre-purchase 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.

ID Theft: Who’s Got Your Number?

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.

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)

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

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

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.}

Holiday closures

P.O. Box 2069 Vacaville, CA 95696 PRESORTED STANDARD U.S. POSTAGE PAID SACRAMENTO, CA PERMIT NO. 195

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. Equal Housing Lender NMLS registered 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. Spring 2013

BRANCH LOCATIONS Antioch 2721 Lone Tree Way

5819 Lone Tree Way

Atwater 981 Bellevue Road

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

(Paradise Valley Residents only)

1340 Gateway Boulevard 2570 North Texas Street 659 Skymaster Drive(Travis AFB)

Merced 1194 West Olive Avenue

Napa 3263 Claremont Way

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

ADDRESSES Mailing

P.O. Box 2069, Vacaville, CA 95696

Shipping

One Travis Way, Vacaville, CA 95687

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#

PRESIDENT AND CEO

Patsy Van Ouwerkerk

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