Northern California Bank, Free Checking

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Compare Travis Credit Union products

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Rating for credit unions in general

Pros and cons


Annual Percentage Yield

0.00% – 0.15%


Minimum Deposit Amount

$5


Fees

$9 quarterly service fee (with options for waiver)

Travis Credit Union Prime Savings Account


Annual Percentage Yield

0.00% – 0.15%


Minimum Deposit Amount

$5


Fees

$9 per quarter service fee (with the option to waive)

Travis Credit Union’s website


Fees

$9 quarterly service fee (with options for waiver)


Annual Percentage Yield

0.00% – 0.15%


Minimum Deposit Amount

$5

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All members must open this document. Travis Credit Union Prime Savings Account. Keep in mind that you will need to have at least $100 in savings and money market accounts, checking, and certificates. You’ll also have to pay a $9 monthly service fee.

However, the fee will be waived regardless of your account balance if your checking account receives direct deposits of $500 or more per month, or if you make at most three transactions of $10 each month from your checking accounts.

Travis Credit Union Free Checking


Annual Percentage Yield

None


Minimum Deposit Amount

$0

Travis Credit Union Free Checking


Annual Percentage Yield

None


Minimum Deposit Amount

$0

Travis Credit Union’s website


Annual Percentage Yield

None


Minimum Deposit Amount

$0

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Travis Credit Union Free CheckingIt is a solid checking account. It doesn’t have a charge monthly service feesThere are no minimum balance requirements.

You can avoid overdraft fees by linking your checking account with a savings account. If you use overdraft protection, there is a $5 fee for the transfer.

Travis Credit Union Standard Certificates


Annual Percentage Yield

0.90% to 3.255%


Minimum Deposit Amount

$500

Travis Credit Union Standard Certificates


Annual Percentage Yield

0.90% to 3.255%


Minimum Deposit Amount

$500

Travis Credit Union’s website


Annual Percentage Yield

0.90% to 3.255%


Minimum Deposit Amount

$500

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Travis Credit Union Standard CertificatesThey have low minimum opening deposits, and standard-to–low early withdrawal penalties. Certificate specials for 11 and 15-month shares certificates are available. These certificates offer a much higher rate of interest than the average certificate. average CD

Travis Credit Union Jumpstart Money Market Account

Jumpstart Money Market account


Annual Percentage Yield

0.00% – 4.00%


Minimum Deposit Amount

$0

Travis Credit Union Jumpstart Money Market Account

Jumpstart Money Market account


Annual Percentage Yield

0.00% – 4.00%


Minimum Deposit Amount

$0

Travis Credit Union’s website


Annual Percentage Yield

0.00% – 4.00%


Minimum Deposit Amount

$0

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The Travis Credit Union Jumpstart Money Market AccountIt is a unique reverse-tiered market account. It may be a good choice depending on how much money you keep in an account.

You’ll get a higher interest rate for lower account balances if you have a reverse-tiered cash market account. Here’s how it works. 

  • Earn 4.00% APY for the first $1,000 you deposit into your account
  • On account balances between $1,000.01 to $3,000, you’ll earn 1.75% annual percentage yield
  • Account balances between $3,000.01 & $5,000 will earn you 0.75% APY

Balances above $5,000 won’t earn you any interest. You can only deposit new money into an account. Jumpstart Money Market Account. This is money that hasn’t been deposited in another Travis Credit Union account.

How Travis Credit Union works

Travis Credit Union is an institution that promotes community development. It has 24 branches in Northern California. It is part of the COOP ATM network and has access to more than 30,000 ATMs across the US.

Call customer service between 8 a.m. and 7 p.m. (PT) on weekdays, or 9 a.m. until 5 p.m. (PT) on Saturdays.

The bank’s mobile application is rated 4.6 stars in Google Play and 4.8 stars in Apple.

Travis Credit Union federally insured by the NCUA. A joint bank account can hold $500,000 and an individual account up to $250,000, respectively.

How to join Travis Credit Union

You or a family member must meet the following requirements to become a member at Travis Credit Union:

  • You can live, work or worship in a specific county in Northern California (Solano Yolo Contra or Costa, Merced), or in a nearby county (Stanislaus, Stanislaus, Sano Joaquin or Sonoma).
  • You are a Travis Air Force Base military or civilian personnel

All members must open a Travis Credit Union Prime Savings AccountSpend at least $5 to join and pay a $5 one-time membership fee. 

The role of community development financial institution

CDFIs serve low-income and disadvantaged communities. Banks and credit unions have to undergo certification by the US Department of Treasury’s Community Development Financial Institutions Fund and meet specific requirements to address banking barriers.

Travis Credit Union is an institution. Juntos Avanzamos designated credit union. Juntos Avanzamos, an initiative dedicated to helping Hispanics and immigrants find the right financial products, is called Juntos Avanzamos. Financial institutions must demonstrate that they are committed to serving their local community to be eligible for the designation. A financial institution must allow alternative ID forms, such as those without a US ID. 

Learn more about Travis Credit Union’s local community service through its website 2021 Community Impact Report.

Travis Credit Union trustworthiness, BBB rating

Travis Credit Union is not involved in any recent controversies.

We also share ratings from The Better Business Bureau, so you can see how an institution addresses customer problems. Travis Credit Union was awarded an A+ ratingFrom the BBB. 

However, a good BBB rating does not necessarily mean that your relationship with the credit cooperative will be perfect. Ask current customers for recommendations or review online to determine if a financial institution is right for you.

Travis Credit Union vs. 1st Nor Cal Credit Union

1st Nor Cal Credit Union, another financial institution located in Northern California, is also available. You or a family member must live, work, attend school, or worship in Contra Costa or Solano counties to become a member at 1st Nor Cal Credit Union. All members must open a savings bank account with at least $5.

Both banks offer low interest rates on regular savings accounts. Travis Credit Union will pay 0.15% APY for accounts with more than $10,000, which is more than Golden 1 Credit Union offers.

Travis Credit Union may be more suitable if you are looking to open a money-market account. The minimum opening deposit is $25 Travis Credit Union Jumpstart Money Market AccountIt is $0. 1st Nor Cal Credit Union will require a $10,000 initial deposit. This is quite high compared to other brick and mortar banks. 

Travis Credit Union vs. Golden 1 Credit Union 

Golden 1 Credit UnionThis is a regional financial institution that has many branches throughout Northern California. Golden 1 Credit Union allows you to join if your residence is in California or if you are a member of the military who resides in California. All members must open at least one savings account. 

Travis Credit Union might be a better choice than Golden 1 Credit Union if you are looking for a money market account. The Travis Credit Union Jumpstart Money Market AccountThe minimum deposit required to open an account is lower than the Golden 1 Credit Union Money Market Account. Travis Credit Union also offers a high-interest rate on money market accounts balances of $5,000 and less.

If you are looking to get a share certificates, both credit unions offer higher rates of interest than the average CD. Both banks have low minimum opening deposit requirements for CDs. The best interest rate for you may depend on which term you choose.

Frequently asked questions

Travis Credit Union members must be residents of Northern California. Yolo and Contra Costa are all eligible. If you are a Travis Air Force Base civilian or military personnel, you may also be eligible to become a member.

All members must open a Prime Savings AccountSpend at least $5 to join and pay a $5 one-time membership fee. 

For checking and money market accounts, there is no minimum deposit. You will need at least $500 to open a share certificates.

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