Love the home you’re in

In this tough housing market, selling your home right now may not be to your benefit. While you wait for a better tomorrow, don’t move—improve! With a 90-day introductory rate as low as 3.99% APR* on our home equity line-of-credit (HELOC), you can enjoy the best of all worlds—a beautiful home to live in with upgrades to show off if you do decide to sell in the future.

 

Whether it is an updated kitchen, a room addition, complete bathroom makeover or hardwood floors, home improvements can add significant value to your home and to your lifestyle. Go ahead and enjoy the fruits of your labor—love the home you’re in!

After the discounted rate expires,
enjoy a low rate of 5.50% APR†

 

 

*APR=Annual Percentage Rate. Introductory rate as low as 3.99% APR for the first 90 days. At 3.99%, the interest payment on a $50,000 loan balance would be $166.25. The rate is 1.51% less than regular rate for which the member qualifies. Fully indexed APR is based on Prime Rate. Floor of 4.00% on fully indexed loan. The lowest fully indexed rate offered is 5.50% APR and the maximum is 18%. At 5.50%, the interest payment on a $50,000 loan balance would be $229.17. Rate quoted as of January 31, 2008, is subject to change quarterly, and is based on 80% loan-to-value (LTV) or less and credit approval. Higher LTV and rate options are available.

† Interest-only minimum payments for the first 10 years, amortized over remaining 15 years. Owner-occupied primary residence and California property only. If account is closed within three years, a $350 early-closure fee applies. Other restrictions and fees may apply. Discount does not apply to existing Travis Credit Union HELOC loans. Member is responsible for applicable tax consequences associated with above offers. Please consult a tax professional. Cannot be combined with other promotional offers. Some restrictions may apply.
See account disclosure for complete details.


 

 

Ease your financial concerns with BALANCE

Don’t face tough financial challenges alone.
Millions of Americans suffer anxiety or
depression because of difficulty meeting their
financial obligations. If rising debt is causing
you stress, we can help.

Whatever the cause of your debt—salary
reduction, emergency expenses, such as
medical bills, complications from our rapidly
shifting market conditions, or plain, old-fashioned
overspending—the actions you take right now will
make the difference.

Fight inertia

Doing nothing at times like these gets you
nowhere. If you’re already burdened with debt
and continue receiving mail offers for credit
cards, enticing sales and seasonal promotions
just shred them.

Confront the problem

Rather than avoiding bill collectors, take control
byanswering the calls. Be calm. Be rational. Write
your creditors to explain your situation, including
what led to the problems and how you plan to
fix them.

 

  

Prioritize your spending

To make it through these tough times, you must
be reasonable about what you can do without to
relieve some of the pressure. Track and review
your spending. Eliminate purchases that aren’t
essential. Then, prioritize the essentials.

 

Your credit union membership can help.

As a benefit of membership in Travis Credit
Union, you may take advantage of FREE financial
assistance through our partnership with the
BALANCE Financial Fitness Program. Your
situation will remain completely confidential.
Travis Credit Union won’t know anything about
your discussions or plans. All you need to do is
call BALANCE toll-free at (888) 456-2227. Their
bi-lingual, financial professionals can provide
money management counseling, help you
develop a household debt management plan,
and teach you how to work with the credit
bureaus to understand your credit report so you
can correct wrong information, and—over
time—improve your credit score.

Let us know if you need our help

If you know you’re falling behind on your credit
union loan(s), please call us. We’re committed
to helping members get through tough financial
times. Different loans allow different
accommodations. We’ll do our best to work with
you so that you can manage the challenge and
regain control of your financial obligations.

 

 

 

 

 

 

 



©2005 BALANCE

 
 

Free Member Seminars April to June 2007

All seminars are held in the Community Room in the corporate office at One Travis Way in Vacaville.
Please call (707) 469-4000 or (800) 877-8328 to reserve your seat no later than two days before the
seminar.

 
 

Using Home Equity
April 24th, 6 p.m.

  

Learn how refinancing and home equity
products work and how to use them to your
greatest advantage.

  
 
 
 

First-time Home Buyer
May 13th, 6 p.m.

  

This seminar covers pre-purchase issues,
essential topics and the mortgage lending
process to prepare you for your new
home purchase.

 
 
 
 

Financial First Aid
May 22nd, 6 p.m.

  

This seminar is specifically for members in
crisis, focusing on regaining control of their
financial situations.

 
 
 
 

Preventing Elder Financial Abuse
June 19th, 10 a.m.

  

Learn about the ways elders most often get
conned or scammed out of their life savings
and what can be done to prevent it.

 
 
 
 

MyCommunityMortgage®
Works for You
June 24th, 6 p.m.

  

Find out how the credit union can help you work
with Fannie Mae’s affordable lending programs
that make accommodations for low-income
families, public servants and people
with disabilities.

 
 
 
 



Member Service Center
Account assistance and information
(707) 449-4000 or (800) 877-8328

Real Estate Lending Department
First mortgages and home equity loans
(707) 469-2000 or (888) 698-0000
NCUA–Your savings federally insured to at least $100,000
and backed by the full faith and credit of the United States government.

Equal Housing Lender
3-08