Summer 2015 Vol. 9, No. 3 Smart Money Matters. Building lifelong relationships with our members to help them achieve their financial goals

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1 Summer 2015 Vol. 9, No. 3 Smart Money Matters Building lifelong relationships with our members to help them achieve their financial goals

2 creating real value for our members Barry Nelson President & CEO Pat Moreno Board Chair Cindy, a Travis Credit Union employee in Antioch, recently shared with her co-workers how she saved a member $150 a month in payments by refinancing an auto loan. Her story is just one of many examples on how the credit union creates real value by helping members make smart financial decisions. The credit union s financial condition was the focus during our annual membership meeting on April 30. Pat and I were proud to report that Travis Credit Union remains financially strong, organizationally efficient and value-oriented. Financial performance The credit union s total assets grew by 6.8 percent to $2.3 billion in 2014, while Travis funded more than $650 million in loans. Credit union membership grew 3.1 percent to 167,000 member-owners last year. While market rates remain at historically low levels, the credit union increased its deposit rates in Over the past 15 months, Travis has increased the rates on share drafts, money market savings, retirement and regular certificates of deposit. We re also more efficient. The credit union spent less for each dollar earned in 2014 when compared to how much we spent to earn a dollar in Travis Credit Union maintains healthy reserves to handle various economic cycles. We have 12.2 percent of our assets in reserves, which is way above the seven percent required by federal regulators. Overall, Travis is the 13th largest credit union in California and the 67th largest in the country. Value in other ways Along with our financial strength, we added value in more concrete ways. In 2014, we relocated our Dixon branch to a larger building that offers better parking, a drive-through ATM and more visibility. We also completed our first financial solutions center in Vacaville. The new Nut Tree center uses advanced technology that allows our employees to spend more time directly helping members. Our efforts to improve our technology is another way we elevate the member experience. Last year, we upgraded all of our ATMs to take advantage of the latest advancements. Members can now make deposits without the need of deposit envelopes, which saves time, reduces costs and improves processing. Also, the latest upgrade of last November has made it easier for those online to navigate our website and to search for information. Education and community Perhaps one of the most tangible ways we provide real value is through our annual member scholarships. This issue of Smart Money Matters features the 20 recipients of our $1,500 scholarships. These high school seniors are Travis members who will begin their college studies this fall. Along with scholarships, the credit union and its staff supported more than 487 charities in Our employees donated an estimated 12,000 hours of their personal time in our communities. Pat and I are pleased we have been able to provide real value to our members last year. We are striving for an even better performance this year. Have a great summer! 2

3 Contents Our 64th annual meeting election results Our 64th annual meeting was held on Thursday, April 30, 2015, in the Community Room at our corporate headquarters in Vacaville. Board Chair Patricia Moreno and TCU President and CEO Barry Nelson reported about the credit union s 2014 accomplishments and our financial goals for Board elections were held at this meeting. Incumbents Dee Alarcon, Mary Coburn and Tim Truesdale were re-elected to three-year terms on the Board of Directors. Doug Beaumont was re-elected to a three-year term on the Supervisory Committee. 2 Message from CEO 3 Our 64th Annual Meeting election results System Upgrade Fall Congratulations to our 2015 scholarship winners 6 Your on-the-go lifestyle needs our Access Card Mad City Money - Teen Financial Boot Camp 7 Six ways to protect your computer 8 In The Community 10 Travis has tools for homebuyers 11 Enjoy No Points, No Fees Refinancing System Upgrade Fall 2015 Travis Credit Union will be upgrading our account information systems to allow us to offer better solutions and advice that add more value to our members. This upgrade is scheduled to take place this fall. How will this affect your accounts? Most of the processes will occur behind the scenes and everything possible will be done to provide a seamless transition for our members. As we approach the date when the upgrade will be finalized, we will communicate how changes will impact you. Where to look for information Beginning in mid-september, all marketing materials will be about the system upgrade. n Check your mail box for communications marked System Upgrade Information n Check your s with this same subject line n Visit traviscu.org for updates Go green and save money with an Energy Loan Visiting another country this summer? Let us know before you go 12 Take a vacation from your payments 13 Your new chip-embedded credit card is on the way Deposit your check with your smartphone and save time 14 Announcing our new Travis Financial Wellness Blog Searching is easier with the new traviscu.org 15 Free Seminars (707) or (800)

4 Congratulations to our 2015 scholarship winners Twenty high school students headed to college this fall are doing so with $1,500 scholarships from Travis Credit Union. Congratulations to our 2015 recipients of the Mary Keith Duff Memorial Scholarship, a program aimed to help college-bound Travis members with college expenses. This annual scholarship program demonstrates the credit union s commitment to higher education in the communities we serve. This year s winners received their awards on June 9 at a ceremony in the Community Room of our corporate offices in Vacaville. The finalists were selected by the Scholarship Committee, which is comprised of credit union board members, volunteers and senior staff. The committee thanks every student who applied for these awards. We applaud the accomplishments of some of our best and brightest local high school graduates. We wish all of them good luck in their endeavors. Applying for 2016 scholarships If you will be a high school senior this fall and are a TCU member in good standing, you re eligible to apply for this scholarship for fall You ll need to submit a letter from one of your high school teachers, an official copy of your transcript and a summary of your volunteer activities. A 250-word essay describing your education and career goals is also required. Applications will be available in branches and posted on on January 2, We encourage graduating high school seniors to apply at that time. Jerald Troy Calinawan Justin-Siena High School University of California, Davis Biological Sciences Jessica H. Cummins Vacaville High School University of California, Santa Barbara Pre-Biology Emily Rose Dowey College Park High School University of California, Santa Barbara Chemical Engineering Cameron Andrew Hoover Vanden High School United States Air Force Academy Aerospace Engineering Alyssa Elizabeth Cortez Dixon High School Washington State University Nursing Ryan David Cunning Will C. Wood High School Cal Poly, San Luis Obispo Environmental Earth Science Mark Vincent Furog Go Armijo High School University of California, Irvine Bioengineering Daniel Lee Lai Vacaville High School University of California, Santa Barbara Financial Actuary 4

5 Bailey Elizabeth Jean Latronica Merced High School University of California, Santa Barbara Psychology Dante Graziani Mazzi Christian Brothers High School Columbia University American Studies Quillan Alexander Melani Mountain Crest High School Utah State University Undeclared Amanda Maria Morger Vacaville High School Solano Community College Nursing Catherine Ann Mullenmeister Vanden High School University of California, San Diego Marine Biology Elizabeth Potts Will C. Wood High School Stanford University Cognitive Sciences Amba Raychaudhuri Davis Senior High School University of California, Berkeley Pharmaceutical Sciences Spencer Alexander Rego Vacaville High School University of California, Los Angeles Bioengineering Katelyn Elizabeth Reid Vacaville Christian High School University of California, Los Angeles Undeclared-Humanities Cameron Bailey Tennyson Buckingham Charter Magnet High School University of California, San Diego Mathematics/Secondary Education Stephanie Morgan Wilkie Vacaville Christian High School University of California, Berkeley Computer Science Belen S. Zagal Golden Valley High School University of California, San Diego Biology (707) or (800)

6 Your on-the-go lifestyle needs our Access Card! The debit card that keeps up with you Access is your easy online and on-the-go account that keeps your money safe until you use it. Enjoy the convenience and peace of mind of a VISA debit card without the fear of overdrawing on your checking account. Access simply rejects a transaction if you don t have the funds available to make a purchase. That way, you ll avoid fees for having insufficient funds. Tired of writing checks or worrying about overdrawn accounts? Travis Credit Union s Access Card is what you want. This new product has many of the features you d find in a traditional checking account but without the checks. You can withdraw cash, pay for gas and other debit purchases, and make hotel and flight reservations. As long as you have the cash in your account, Access will help you pay for it. Designed for your tech-savvy lifestyle Access has none of the limitations of a prepaid card. It comes with a list of free features such as electronic statements, mobile banking, including our mobile deposit feature, bill payments, direct deposit and online banking. Plus, when you use your Access debit card on our iphone -or Android -based mobile phone app, you have all the banking you need right in the palm of your hand! While Access is geared toward young adults it is available to anyone looking for a simple alternative to checking accounts. Your on-the-go lifestyle has met its match. Get Access today! Stop by your nearest Travis branch or call (800) to apply. *Purchases made with the Access Account debit card will be rejected if there are insufficient funds in the account. This account cannot be linked to overdraft sources or courtesy pay. Personal checks are not allowed with this account. Applicant must meet membership and account qualifications. Other restrictions and conditions may apply. See for complete details about account. Mad City Money Teen Financial Boot Camp July 10, 12:30 to 4:30 p.m., Diablo Valley College, 321 Golf Club Rd, Pleasant Hill July 13, 12:30 to 4:30 p.m., TCU Community Room, One Travis Way, Vacaville July 21, 12:30 to 4:30 p.m., Paradise Skate Roller Rink, 1201 W 10th Street, Antioch July 27, 12:30 to 4:30 p.m., TCU Community Room, One Travis Way, Vacaville This 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, children, etc. They visit nine merchants in Mad City to choose housing and transportation and to purchase necessities and wants. The goal is to simulate the realities of approaching financial responsibilities. Session objectives are to: n Practice budgeting as an adult with realistic circumstances; n Identify and experience the consequences of poor decisions; n Develop good judgment regarding spending and making a budget; n Understand that budgeting is a necessary step in good money management and that it isn t difficult. The target audience are ages 14 to 22. For information about times and location, and to register for a session, please visit and click on the Seminars page. 6

7 Six Ways to Protect your Computer Another tip is to not use the same password for several accounts. If that password is stolen, the theft will affect many of your accounts. Also, don t share passwords on the phone, in texts or by . Be aware that legitimate companies such as Travis Credit Union will not send you s or texts asking for your password. If you get such a message, it s probably a scam. 3. Keep a copy of your computer files Backing up the data on your computer to an external hard drive, a removable disc or some other storage device is a practical way to keep your data safe and backed up if your computer becomes inaccessible or compromised. You read or hear about it in the news more often these days. A business or retailer s computer system is hacked, compromising the personal and financial data of thousands of its customers. While you don t have an Information Technology department to lean on to help you deal with hackers, there are things you can do to protect your personal computer from hacking and other online attacks. Here are six ways to protect your personal computer, according to the U.S. government website, OnGuardOnline.Gov. 1. Treat your personal information like cash Important information such as your Social Security number, credit union account numbers, credit card numbers and other accounts can all be used by identity theft thieves to steal your money or open new fraudulent accounts in your name. Treat your personal information like cash and be cautious about giving out this information online. Whenever you re asked for this information on a web form, text, an or even a phone message, consider whether the website is trustworthy. 2. Create strong passwords and keep them safe The longer the password, the tougher it is to crack. Experts suggest using at least characters for most home users. Mix letters, numbers and special characters in an unpredictable way that only makes sense to you. Avoid using your name, birthdate or common words. 4. Use Security Software that updates automatically Ensure your computers security software is automatically updated to protect it against the latest online threats. If you let your operating system, web browser or security software get out-ofdate, malware can infect and use your computer to access other computers, send spam or spy on your online activities. Also, it s a good idea not to buy security software from unexpected pop-up messages or s, especially ones claiming to have scanned your computer and to have found malware. 5. Shop at only secure online shopping websites If you re shopping or banking online, stick to websites that use encryption to protect your information as it gets transmitted. Look for the https at the beginning of the web address and on every page of the site. It is a sign that the page is encrypted. 6. Double check an online company before doing business with it Take the time to research a company before doing business with it. Do an online search using the business name and add a word such a reviews, complaints or scams. This will help you determine if the business is legitimate. Remember, just because an ad appears on a reputable site doesn t mean the ad is as trustworthy as the site. Do your homework and be sure the site is safe to use before you enter your personal and financial information. Source:OnGuardOnline.gov (707) or (800)

8 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. Credit Union SacTown Ten Mile Run Several dozen employees volunteered for or participated in this April 12 foot race that benefited the Childrens Miracle Network and UC Davis Children s Hospital. We are thankful to have people who are willing to donate their time and energy to help make this annual regional event a growing success. Shredding events at Vacaville and Merced Travis Credit Union s Contra Costa branches participated in the Contra Costa County Toys for Tots Program. They collected new, unwrapped toys that were delivered by the U.S. Marines Reserves last December. TAFB concert and picnic Travis Credit Union was founded on Travis Air Force Base in 1951 and we continue to strongly support the military. We were among the sponsors of a base concert and picnic on April

9 Napa Home & Garden Show Hundreds of people stopped by the Travis booth at the Napa Home and Garden Show on May They learned about ways they can fund their home improvement projects as well as other ways to improve their financial life. Annual membership meeting Dozens of members attended our annual business meeting on April 30 at our corporate offices in Vacaville. They learned about the credit union s performance in 2014 and its financial goals for Vacaville Boys & Girls Club Bowl-A-Thon Travis employees comprised four of the 28 teams for this charity event on March 21 at Stars Recreation Center. The event raised about $20,000 for the organization, which has four clubs in Vacaville. Vacaville Fiesta Day Parade Travis Credit Union was a proud participant in the Fiesta Days Parade on May 23 in Vacaville. We are so glad to call this great community our home! Government relations rally Travis Credit Union remains an active partner in the credit union industry. Travis officials participated in a rally on April 14 to ensure our members voices were heard at all levels of government. (707) or (800)

10 Real Estate News brian pouch, avp real estate lending HomeAdvantage program Feeling like you are ready to take the next step and research locations and properties? Travis CU s HomeAdvantage program allows you to register for free and search local MLC listings at your own pace and without being solicited by agents. HomeAdvantage provides you access to real estate agents that work with Travis to make your home buying experience as seamless as possible. They are experienced, local agents who know the market and how to navigate it. You can select an agent yourself or ask us for a referral. Qualified transactions also earn a rebate. Find the link to our HomeAdvantage program at Travis has tools for Homebuyers Many of our members know Travis is a great place to refinance their mortgage and even more members know Travis is a great place to get a home equity loan or line of credit. But did you realize Travis Credit Union is an excellent resource for home buyers? The credit union has everything you need if you are considering buying a home. For first time buyers or those re-entering the market after the recession we offer home-buyer education opportunities that discuss loan qualifications, credit requirements and down payment programs, as well as specific loan programs available. These seminars are offered at a variety of venues such as at our corporate office, branches and select employee groups. Please view the calendar of events available on our home page at Are you looking for a lender with diverse options? If so, Travis is the place. We offer no-down VA loans for Veterans, low down FHA loans as well as conventional and jumbo products up to $3 million. We have short- and long-term fixed rates as well as variable rate options to fit your circumstances. In addition to Fannie Mae s low down program Travis offers our own version that is available on all products and not limited to first-time buyers. Travis offers purchase loans with no points and no fees that can help stretch your down payment by reducing your closing costs by an average of $2,500. Local lending experts By working with Travis Credit Union you will work with a local team of real estate experts who will take care of you every step of the way. We know how important this is to you. Our goal is to make your purchase go as smoothly as possible and to close on time. As you can see, if you, a friend or family member are in the market to purchase a home, Travis CU delivers excellent value to our members by offering the tools you need. Talk to us first and we are confident you will be glad you did. 10

11 Enjoy No Points, No Fees Refinancing Our no points, no fees home loan refinancing is a great reason to save money this summer or any time of the year. Take advantage of our competitive low fixed rates to refinance your home loan today. You ll save money not only on the cost of refinancing but by lowering your mortgage payments as well. 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 so you can pay off your home even faster. You may even consolidate debt and turn your equity into cash! Our knowledgeable and friendly home loan consultants can help determine if our fixed-rate home loans, or any other loan product, can help you. Refinance today and save money! Just call, click or stop by to apply: n Call (888) n Apply online at n Stop by your local TCU branch, all with Saturday hours Visiting another country this summer? Let us know before you go If you are planning to travel out of state or out of the country this summer, please call 1 (800) prior to your trip so that we are aware that your Travis Credit Union credit card, debit card or ATM card may be used outside of California or the U.S. This notification will help you avoid any disruption or denial of service when you attempt to make a transaction on your TCU account. To report a lost or stolen credit card, call 1 (800) if you are in the U.S. or (727) if you are in another country. Enjoy your trip and be safe! NMLS registered. Equal Housing Lender. Go green and save money with an Energy Loan Are you considering home improvement projects that increases your home s energy efficiency? Travis Credit Union can help get started on these projects sooner rather than later. Our new Energy Loan allows homeowners to borrow up to $35,000 for energy-related home improvement projects. Best of all, you don t need to use the equity in your home because this is not a home loan product. Qualified projects include the installation of a new furnace, an air conditioning unit, solar panels or dual-pane windows. You can also use this loan to buy Energy Star-rated appliances such as washing machines, dryers and refrigerators. Enjoys terms of up to 120 months for loans of $1,000 to $15,000. Terms of up to 180 months are available for loans from $15,001 to $35,000. Go green and take advantage of our Energy Loan to make your home more efficient this summer and next. Stop by a branch or give us a call today at (800) *APR (Annual Percentage Rate). Loan rates are based on applicant s credit history and other underwriting factors. Borrower must provide copy of valid purchase order or invoice for qualified energy-related home improvement project. Energy loan is available only for purchase and installation of new furnaces, air conditioning units, solar panels, dual-pane windows and Energy Star-rated appliances. All loan rates are subject to change daily without notice. This is an unsecured loan and is not associated with a home loan product. Payment per $1,000 balance is based on APR. Payment example may be lower or higher depending on your credit history and other underwriting factors. For example, the payment per $1,000 is $11.61 for a term of 10 years (120 months) at 6.99%. The payment for a $20,000 loan with a 10-year term (120 months) at 6.99% is $ talk about savings. say hello to the Sprint Credit Union Member Discount. Consumers Save Businesses Save 10 % 15 % or On select regularly priced Sprint monthly service. Plus, waived activation & upgrade fees (up to $36 in savings each). Learn more Call: 877.SAVE.4.CU Visit: Click: LoveMyCreditUnion.org/Sprint Be sure to mention this code for your discount Consumer: NACUC_ZZM Business: NACUC_ZDS_ZZM Credit union membership validation is required. Credit approval req. Early Termination Fee (sprint.com/etf): After 14 days, up to $350/line. IL Discount: Available for eligible company employees or org. members (ongoing verification). Discounts subject to change according to the company's agreement with Sprint and are available upon request for monthly svc charges on select plans. Discount only applies to data buy-ups/addons for Unlimited, My Way and Framily plans, Talk 450, and primary line on Talk Share 700. Other Terms: Offers and coverage not available everywhere or for all phones/networks/plans. Restrictions apply. See store or sprint.com or Sprint. All rights reserved. Sprint and the logo are trademarks of Sprint. Other marks are the property of their respective owners Sprint Item # CU Solutions Group (707) or (800)

12 Offer ends Aug. 31, 2015 Take a Vacation from Your Payments and Get 100 Bucks Move your Auto Loan to Travis and get 100 Bucks + No Payments for 90 Days Spend the summer doing the things you love to do instead of worrying about your auto loan payments. Simply refinance your existing non- Travis auto loan with us by Aug. 31, 2015, and we ll defer your monthly payments for 90 days and give you $100 cash!* Our Summer Refi & Rewards offer lets you take a vacation from your payments and gives you extra cash, too! Enjoy the financial flexibility that comes with three months of payment deferrals and $100 cash. If you re making auto loan payments elsewhere, it pays to refinance your loan with Travis Credit Union. It s the best deal of the summer! Just cut-out the coupon below and bring it to your nearest branch location, all with Saturday hours. Or click and apply online. Summer Refi & Rewards Coupon $ days No Pay $ 100 Move your Auto Loan Get 100 bucks! Refinance your auto loan and defer your payments for 90 days and get $100! Bring this coupon into a branch and apply before Aug. 31, 2015 or call (707) or (800) EMPLOYEE USE: RETURN TO MARKETING MEMBER NAME: ACCOUNT #: EMPLOYEE: *This offer is for refinance of an auto loan from another lender. Cannot be combined with other consumer loan offers and is not valid on existing Travis Credit Union loans or loans paid to individuals. To qualify, auto refinance applications from another lender must be submitted on or after June 1, 2015 and no later than Aug. 31, Coupon required to receive $100 offer. Auto refinance loan must be at least $15,000 and member must have valid registration in order to qualify for this offer. $100 will be deposited into primary member s savings account within 45 days of the loan funding date. Member is responsible for applicable tax consequences associated with this offer. Please consult your tax advisor. Rates based on creditworthiness and age of vehicle. **90 days deferred payments: The interest on your vehicle loan will continue to accrue from the date your vehicle loan is funded and transferred. Federally insured by NCUA. Everyone who lives, works, worships or attends school in our 12-county area is eligible to join. Certain requirements may apply. 12

13 We are re-issuing all Travis credit cards Your new chip-embedded credit card is on the way! We re upgrading all of our Travis Credit Union credit cards with new computer chip technology that improves fraud protection and security. This makes it even harder for your account information to get stolen and for you to become a victim of identity theft. If you haven t received your replacement TCU credit card, watch for it soon. In addition to the chip that s seen on the front, your new credit card will continue to have a magnetic stripe on the back for merchants who aren t yet using the chip-activated terminals. These EMV (EuroPay MasterCard and VISA) cards use a computer chip that securely stores the card data that s currently on your card s magnetic stripe. This makes it nearly impossible for criminals /17 travis card member to create a counterfeit credit card. It also allows for a more secure processing by producing a one-time use code for each transaction. If a retailer has a chip-activated terminal, simply insert the chip end of your credit card into the terminal face up and follow the screen prompts. You ll receive a printed receipt once you remove your card. While you don t need to enter a PIN, you may need to sign for your purchase. If you have any questions about this change, please call our Member Service Center at 1 (800) We are planning to re-issue all Travis debit cards with chip-embedded technology in Deposit your checks with your smartphone and save time! Depositing your paper check with your smartphone is possible using the mobile deposit feature on Travis Credit Union s iphone and Android mobile apps.* Take advantage of this convenient way to deposit checks without having to visit a branch or ATM. The process is simple. Log into our Mobile App with your smartphone, select the Mobile Deposit tab and take clear pictures of the front and back of your endorsed check. Submit the deposit and you re done. Mobile Deposit is a great feature to have, one that saves you time and makes it even more convenient to do business with Travis Credit Union. 1. Select the Mobile Deposit tab 2. Select the account and deposit amount 3. Take a clear picture of the front and back of your check 4. Use the Make Deposit button If you don t yet have our mobile app, you can download them for free from our Apple App Store or GooglePlay app store. Please call (800) if you have any questions about our new Mobile Deposit feature or about your TCU accounts. Getting started is easy. Download and log into your Online Banking account with the TCU app and follow these steps: *Mobile Deposit is available only to members who have a TCU checking account in good standing, a TCU debit card and are enrolled in Online and Mobile Banking. Travis Credit Union s standard check hold policy applies to deposits made using Mobile Deposit. Checks deposited after 3 p.m. PST will be processed the following business day. The daily limit for mobile deposit is $7,500; the monthly limit is $40,000. Other restrictions and conditions may apply. Visit for complete details. (707) or (800)

14 Announcing our new Travis Financial Wellness Blog! We re excited to announce the launch of our new blog just for you! The Travis Financial Wellness Blog is intended to provide you with information about personal finances and related topics to help you become an even better money manager. TCU partners with NorthBay Healthcare to award $5,000 nursing scholarships Financial education is very important to us and we hope this blog will become a trusted resource when our members need financial insight from one of the biggest credit unions in California and from their trusted local lender. We ll post new updates about three times a week. We invite you to leave comments and suggest new topics for future posts. You can find the blog at Searching is easier with the new traviscu.org Our redesigned website uses an advanced knowledge base that lets you search by keywords and questions on topics related to Travis Credit Union. You ll received a search result list that shows you the matching questions and links. We re proud to announce six new $5,000 nursing scholarships at Touro University California s School of Nursing. Travis Credit Union and NorthBay Healthcare are offering the scholarships to nurses attending Touro. The funds will allow these nurses to continue their education while they serve their community and healthcare employer. The scholarships were announced in June. Our new search engine is among the recent changes to Our website is now more user-friendly and is capable of displaying properly on any mobile device, including your smartphone, tablet and any desktop computer. Also, our Online Banking log in field is now in the middle of the homepage for easier access. Napa Home & Garden Winner Take a look at the new traviscu.org today! Congratulations to Andrew B., the winner of our Napa Home & Garden Show drawing. He won a $100 Home Depot gift card. 14

15 Free Seminars Travis Credit Union offers a variety of free seminars throughout the year on a range of subjects designed to help you achieve your personal and financial goals. Here are the seminars occurring in the third quarter of You can sign up online at at least five days before the seminar. The Seminars tab is located under the Community section of our website. Home Buyer Seminar: Path to Approval Napa (Part 1 of 3) July 8, from 6 to 7:30 p.m., Napa Branch, 3263 Claremont Way This 75 minute session will provide an overview of the home buying process and what to expect. You will also learn about the costs involved, payment examples and down payment requirements. You will also receive information on obtaining a free copy of your credit report for Session 2. By the end you will be able to determine if now is an appropriate time for you to buy and what you can afford. Home Buyer Seminar: Path to Approval Napa (Part 2 of 3) July 15, from 6 to 7:30 p.m., Napa Branch, 3263 Claremont Way This 75-minute session picks up where Session 1 left off or can be taken as a standalone course. It provides information on myths and misconceptions of the buying process. In addition, you will learn about budgeting and credit requirements. You will also learn about rules regarding prior Bankruptcy, Foreclosure and Short Sales. By the end you will know if your credit score is sufficient to buy a home and if not what you can do to improve it. Home Buyer Seminar: Path to Approval Napa (Part 3 of 3) July 22, from 6 to 7:30 p.m., Napa Branch, 3263 Claremont Way This 75-minute session picks up where Session 2 left off or can be taken as a standalone course. We ll go in depth about loan products and which might be the best for you. FHA, VA, Conventional, Jumbo and First Time Buyers programs are explained. You ll learn about HomeAdvantage, our real estate program, and about the benefits of working with Travis Credit Union. By the end of the session, you will know if now is the right time to take the next step and get preapproved and begin working with a real estate agent. Home Buyer Seminar- Vacaville July 25, from 9 a.m. to noon, TCU Community Room, One Travis Way, Vacaville; Aug. 22, 9 a.m. to noon, TCU Community Room Preparation for home ownership begins long before the purchase actually takes place. 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. 10 Steps to Financial Success Aug. 1, from 12:30 to 2 p.m., Antioch Library, 501 W. 18th Street, Antioch; Aug. 5, 6 to 7:30 p.m., West Contra Costa YMCA, 263 S. 20th Street, Richmond; Aug. 18, 6 to 8 p.m., TCU Community Room, One Travis Way, Vacaville; Aug. 27, 6 to 7:30 p.m., Concord Library, 2900 Salvio Street, Concord From developing a spending plan that works to setting goals and weighing insurance needs, this presentation covers the core concepts necessary to develop and maintain personal financial control. The Psychology of Spending Sept. 2, from 6 to 7:30 p.m., West Contra Costa YMCA, th Street, Richmond; Sept. 8, 6 to 8 p.m., TCU Community Room, One Travis Way, Vacaville; Sept. 12, 12:30 to 2 p.m., Antioch Library, 501 W. 18th Street, Antioch; Sept. 24, 6 to 7:30 p.m., Concord Library, 2900 Salvio Street, Concord Psychologists have found that there are several forces that govern our consumer behavior and cause us to make decisions that are not necessarily rational or in our best interest. However, understanding why we buy what we buy can help us make better decisions in the future. This seminar covers factors that commonly affect the psychology of our spending, including: The role of advertising, Keeping up with the Joneses, Spending habits, Impulse buying, Bargain hunting, Retail therapy, Money as love, and I ll worry about tomorrow, tomorrow. (707) or (800)

16 P.O. Box 2069 Vacaville, CA PRESORTED STANDARD U.S. POSTAGE PAID SACRAMENTO, CA PERMIT NO. 195 BRANCH LOCATIONS Antioch Atwater Benicia Clayton Concord Davis Dixon Fairfield Merced Napa 2721 Lone Tree Way 5819 Lone Tree Way 981 Bellevue Road 836-C Southampton Road 5441 Clayton Road 1257 Willow Pass Road 1380 E. Covell Boulevard 1470 Ary Lane NEW LOCATION! 5075 Business Center Drive 2600 Estates Drive (Paradise Valley Residents only) 1340 Gateway Boulevard 2570 North Texas Street 659 Skymaster Drive (Travis AFB) 1194 West Olive Avenue 3263 Claremont Way Richmond 3300-A Klose Way Suisun Vacaville Vallejo 131-A1 Sunset Avenue 11 Cernon Street 2020 Harbison Drive 2010 Peabody Road 1650 E Monte Vista Ave Suite EE Tuolumne Street Woodland 1372 E. Main Street Holiday closures ADDRESSES Mailing P.O. Box 2069, Vacaville, CA Shipping One Travis Way, Vacaville, CA Deposits and Loan Payments Travis Credit Union P.O. Box 8000 Travis AFB, CA ACCOUNT INFORMATION Call-24 Phone Banking (707) or (800) Web site SERVICE DEPARTMENTS Member Service Center (707) or (800) Home Loan Center One Travis Way (707) or (888) Business Services Center One Travis Way Deposit Accounts: (707) Business Loans: (707) PhoneLoan SM (707) or (800) Check Fraud Information (707) or (800) , ext # Debit / Credit Card Fraud Information (707) or (800) , ext # PRESIDENT & CEO Barry Nelson 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 Arturo Reyes... Member Doug Beaumont... Member CORRESPONDENCE Your feedback is important to us. Please address your suggestions or concerns to: Barry Nelson President and CEO Travis Credit Union P.O. Box 2069 Vacaville, CA Unresolved issues or problems regarding the credit union should be directed to: Travis Credit Union Supervisory Committee P.O. Box 2070 Vacaville, CA In recognition of the following holidays, all branches and member service center will be closed: Independence Day Saturday, July 4 Labor Day Monday, September 7 For your convenience, Call-24 Phone Banking, Online Banking and PhoneLoan SM will be available on these holidays. 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. Certain membership requirements may apply. Equal Housing Lender Summer 2015 NMLS registered