If you're in the giving spirit this holiday season, why not get cash back for all your good deeds? As part of our Debit Cash-back Rewards program, we'll give you a nickel each time you use your Travis Credit Union VISA debit card.

Think about it. Get a nickel for each holiday purchase and the jingles you hear will be all that change you've earned with your debit card.

Plus, when you use your debit card, you're less likely to overspend and accumulate credit card debt.

If you're not enrolled in our Debit Cash-back Rewards program, click here.

If you don't have a debit card, it is easy to get one. Simply visit one of our branches or call our friendly member service center at (707) 449-4000 or (800) 877-8328.

To earn 5 cents on every debit card purchase up to $300 annually, member must be enrolled in Debit Cash-back Rewards Program and have or qualify to open a checking and savings account in good standing and a VISA debit card. Member is responsible for applicable tax consequences. See program disclosure for complete details.

NEW branches in Concord
and Brentwood

Travis Credit Union recently opened branches in Concord and Brentwood to better serve you where you live and work.

Our Concord: Willow Pass branch, which opened in September,
is located at 1257 Willow Pass Road in Concord.

Free, ample parking at Willow Pass Branch!

Our Brentwood branch opened in August and is located
at 3111 Balfour Road in the Fairview Shopping Center.

OPEN NOV. 19th
is our new Clayton Valley branch at 5442 Ygnacio Valley Road
in the Clayton Valley Shopping Center, Concord.
Watch for details about further branch openings in the
January 2008 issue of Smart Money Matters.

You're never far from a free CO-OP ATM

Wherever you find yourself this holiday season, you'll never be far from the largest free ATM
network in the country. As a member of Travis Credit Union, you have free access to more than
25,000 ATMs through the CO-OP Network, including 6,000 that take deposits and
5,500 7-Eleven® locations throughout the U.S. and Canada.

There are 1,899 member credit unions that are part of the CO-OP Network.
For the nearest Travis Credit Union or CO-OP Network ATM, click here.

Spruce up your home for the holidays and beyond with a home equity loan from Travis Credit Union. A fixed-rate home equity loan is a practical solution to acquire the cash you need at a competitive rate you can afford.

Use your equity to add hardwood floors, buy that irresistible dining room set or other big-ticket item that will be perfect for the holidays. Or, you can use your equity to pay for tuition or to consolidate high-interest credit card debt. Choose a term from 7 to 15 years and receive the funds in full when your loan closes. Call (707) 469-2000 or (888) 698-0000 for rates on terms greater than 7 years.

It takes just minutes. Simply provide the information requested and you're on your way toward a better home for the holidays.To apply click here.

*APR=Annual percentage rate as low as 5.99% as of November 1, 2007, is for 7 years based on 80% loan-to-value (LTV) or less, credit history, and second lien position. Representative payment example: $14.60 per $1,000 borrowed, per month. In most cases, loans have no fees at closing, no annual fees. However, if loan is paid-off within 3 years, a $350 early-closure fee applies. Rates and loan amounts vary depending upon credit history, lien position, and LTV. Rate subject to change. Financing available for second liens on owner-occupied California primary residence properties only. Property insurance required. Some restrictions may apply. Consult your tax advisor concerning tax deductibility. Cannot be combined with other promotional offers. Equal Housing Lender.