Travis Credit Union
Travis Credit Union is a not-for-profit, member-owned cooperative founded in 1951 and headquartered in Vacaville, California, serving individuals, small businesses, federal employees, and Travis Air Force Base personnel across 12 California counties through retail and business banking, lending, and wealth management services.
- Company typePrivate
- Founded1951
- HeadquartersVacaville, United States
- Headcount501–1,000
- GTM typeB2B and B2C
- OfferingServices
What Travis Credit Union does
Travis Credit Union (TCU) is a not-for-profit, member-owned cooperative financial institution founded in 1951 and headquartered in Vacaville, California. Membership eligibility is tied to residence, work, schooling, or worship in 12 California counties (Solano, Merced, Napa, Contra Costa, Yolo, Sacramento, Placer, San Joaquin, Stanislaus, Alameda, Colusa, and Sonoma) or affiliation with Travis Air Force Base; new members open with a $5 share deposit and a $5 one-time fee. TCU employs 501–1,000 people and distributes products through physical branches, a 4.5-star-rated mobile and online banking platform, CO-OP/STAR/Armed Forces Financial Network ATMs, 24-hour Call-24 phone banking, and the Travis Wealth Management channel delivered via LPL Financial. The institution is federally insured by the NCUA, chartered by the California Department of Financial Protection and Innovation, and registered with NMLS (#643926) for mortgage lending.
The product suite spans retail and small-business banking. Retail offerings include checking accounts (free and tiered Investor Checking), savings and money market accounts (Prime Share tiered 0.05–0.15% APY; Diamond Money Market up to 3.85% APY), certificates, IRAs, and HSAs. Lending products include home loans and HELOCs (rates as low as 6.798% APR), auto loans, RV/boat loans, energy-efficient loans, personal loans including a 0% Paycheck Assistance Loan for federal employees, and Visa credit cards. Business banking includes QuickFund Loans ($10,000–$100,000), SBA loans, commercial real estate loans, and a business Visa credit card. Travis Wealth Management (LPL Financial partnership) provides investment and financial planning services. Supplementary programs include the Knowledge Base financial education program and the Mortgage Hardship Assistance program offering repayment plans, forbearance, modification, and deed-in-lieu options.
Revenue is generated primarily through interest income on the loan portfolio and fee-based services (overdraft at $14 per item with three-per-day limit and fee reversal for overdrafts ≤$30, ATM, wire, stop payment), with member dividends paid out from share account and certificate balances. Community investment is operationally material: $10,000 to Pinole Garden Club and $25,000 to Food Bank of Contra Costa in 2025, plus financial education programming. The institution was recognized in 2025 by Forbes (Best Credit Unions in California), the Defense Credit Union Council (Air Force Credit Union of the Year), and Great Place to Work (Certified 2025), and received a CDFI Fund award in April 2023 supporting community development lending capacity.
Travis Credit Union firmographics
Firmographics- Name
- Travis Credit Union
- Legal name
- Travis Credit Union
- Website
- https://traviscu.org
- Company type
- Private
- Founded year
- 1951
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Short description
- Travis Credit Union is a not-for-profit, member-owned cooperative founded in 1951 and headquartered in Vacaville, California, serving individuals, small businesses, federal employees, and Travis Air Force Base personnel across 12 California counties through retail and business banking, lending, and wealth management services.
- Ownership category
- akta.pro rank
Travis Credit Union industry classification
Industry- Product category
- Retail Banking
- NAICS
- Credit Unions (52213), Credit Unions (522130)
- SIC
- State Commercial Banks (6022), Savings Institution, Federally Chartered (6035)
- akta.pro primary industry
- Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)
- akta.pro secondary industries
- Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL), Federations/Centrals & Cooperative Banking Networks (2nd-Tier Co-ops) (FSABAEAL)
Keywords
Where Travis Credit Union is headquartered
LocationHeadquarters
- HQ city
- Vacaville
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Travis Credit Union business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Interest Income on Loans: Primary revenue stream from interest charged on various loan products including home loans, auto loans, personal loans, credit cards, and business loans. Credit unions return earnings to members through better rates on loans and savings.
- Fee-based Services: Various fees including overdraft fees, ATM fees (for non-network ATMs), wire transfer fees, stop payment fees, and account service fees as outlined in fee schedules
- Share Account Dividends: Members earn dividends on savings accounts, money market accounts, and certificates based on tiered rate structures
- Wealth Management Services: Travis Wealth Management services provided through partnership with LPL Financial, offering investment products and financial planning
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Prime Share Account with tiered rates starting at 0.05% APY for $100+ balances |
| Subscription | Monthly | Diamond Money Market offering up to 3.85% APY |
| Subscription | Monthly | Home Equity Line of Credit as low as 6.798% APR |
| Unit Pricing | Multi-year contract | QuickFund Business Loans from $10,000 to $100,000 |
| Other | Pay-as-you-go | $50 Referral Bonus for member referrals |
Go-to-market motion2 records
Distribution channels6 records
Marketing channels7 records
Travis Credit Union product offering
Product offeringCore offering
Travis Credit Union is a not-for-profit, member-owned cooperative financial institution that provides consumer and business banking products and services. Its core offerings include deposit accounts (checking, savings, money market, certificates, IRAs, HSAs), consumer and commercial loans (auto, home, RV/boat, personal, SBA, commercial real estate, energy-efficient, QuickFund), credit cards, digital and mobile banking, mortgage hardship assistance, and wealth management delivered through a partnership with LPL Financial.
Product overview
Travis Credit Union is a not-for-profit, full-service cooperative financial institution founded in 1951, offering a comprehensive suite of personal and business banking products. The core banking platform includes checking and savings accounts (Prime Share, Target Share), money market accounts (including Diamond and Jumpstart tiers), certificates, IRAs, and HSAs. Lending products span home loans with HELOC options (as low as 6.798% APR), auto loans, personal loans including a 0% federal employee assistance loan, credit cards (Visa), RV/boat loans, and energy-efficient loans. Business banking encompasses QuickFund Loans ($10,000-$100,000), SBA loans, commercial real estate loans, and business Visa cards. The digital banking platform features a 4.5-star rated mobile app. Supplementary services include Travis Wealth Management (powered by LPL Financial), a free Knowledge Base financial education program, and mortgage hardship assistance for members facing financial challenges. The institution holds multiple 2025 awards including Forbes Best Credit Unions in California and Great Place to Work Certified status.
Differentiator
Problem solved
Functional benefit
Brands
- Travis Wealth Management: Wealth management and investment services offered through partnership with LPL Financial
Products and services
- Checking Accounts
Quantifiable outcome
- Top-rated mobile app with 4.5 star rating
- +3 more outcomes
Companies that use Travis Credit Union
Customer profileNamed customers1 record
Segments6 records
Ideal customer profiles2 records
Travis Credit Union technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
Feature4 records
Travis Credit Union partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered minor and core.
- Pinole Garden ClubminorTCU donated $10,000 to the Pinole Garden Club in conjunction with the opening of the new Pinole branch, marking community investment and partnership with local organizations.
- Food Bank of Contra CostaminorTCU donated $25,000 to the Food Bank of Contra Costa in 2025 as part of broader community investment initiatives.
- LPL FinancialcoreTravis Wealth Management (TWM) is offered through partnership with LPL Financial, providing investment products, financial planning, and wealth management services to TCU members. LPL Financial is a large independent broker-dealer that enables TCU to offer comprehensive investment services without building in-house investment capabilities.
- VisacoreTCU offers Visa-branded debit cards and credit cards. Visa provides the payment network infrastructure enabling point-of-sale transactions, online purchases, and ATM access worldwide. TCU cards are protected under Visa's Zero Liability policy for fraudulent charges.
- CO-OP NetworkcoreCO-OP Network provides shared ATM and branch services enabling TCU members to access cash deposits and withdrawals at over 5,000 locations nationwide at no charge at network ATMs.
- National Credit Union Administration (NCUA)coreFederally chartered and regulated credit union insured by NCUA. NCUA provides federal insurance coverage for member accounts up to $250,000 through the National Credit Union Share Insurance Fund (NCUSIF).
- Armed Forces Financial NetworkcoreNetwork providing financial services specifically for military personnel, supporting TCU's service to Travis Air Force Base community members.
Scale indicators5 records
Recent moves7 records
Expansion highlights6 records
Travis Credit Union competitors and assessment
Company assessmentDirect peers
- Golden 1 Credit Union: One of California's largest credit unions serving consumers and small businesses with a similar suite of deposits, loans, and digital banking; directly comparable to Travis CU on geography, scale, and product breadth.
- SAFE Credit Union: Northern California credit union headquartered near Sacramento with overlapping 12-county-style footprint, full retail and business banking, and physical branch networks—closely comparable member base and product mix.
- Patelco Credit Union: Bay Area-based credit union serving individuals and businesses with deposits, lending, and wealth services; comparable community-cooperative positioning and California field-of-membership.
- SchoolsFirst Federal Credit Union: Large California credit union with affinity-based membership, broad branch and digital banking, and similar community-focused mission—comparable in product mix and member-led governance.
Broad incumbents
- Navy Federal Credit Union: The dominant U.S. military-affiliated credit union; directly comparable to TCU on military-member focus, branch and digital banking, and product breadth, but at vastly greater national scale.
- Pentagon Federal Credit Union (PenFed): Military-affiliated credit union offering deposits, mortgages, auto loans, and credit cards to service members and broader U.S. consumers—comparable military heritage and product breadth, though serving a national rather than California-defined field of membership.
- BECU (Boeing Employees' Credit Union): Large affinity-based credit union with full personal and business banking, mortgage, and digital capabilities—comparable community-cooperative model and product set, but serving the Pacific Northwest and national members.
Emerging players
- Alliant Credit Union: Online-led credit union competing on rates and digital experience with a national membership base—comparable on deposits, lending, and mobile app focus, and a credible competitor for digitally-native members within TCU's footprint.
- Digital Federal Credit Union (DCU): Digital-first credit union offering competitive deposit and loan products with strong mobile and online banking—comparable on digital-first member experience and on competing for digitally-engaged members.
Regional players
- First Tech Federal Credit Union: Affinity-based credit union serving the technology industry with full banking, lending, and wealth services—comparable on community/affinity model and digital banking, though anchored to a different membership segment outside California.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks4 records
Key highlights7 records
Customer concentration
Travis Credit Union social profiles
Digital presenceTravis Credit Union financial estimates
Financial estimateRevenue estimate
Valuation estimate
Travis Credit Union leadership team
Management profileNumber of profiles
Profiles4 records
Travis Credit Union subsidiaries and ownership
Company hierarchySubsidiaries1 record
Travis Credit Union funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Travis Credit Union M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Travis Credit Union
What does Travis Credit Union do?
Travis Credit Union is a not-for-profit, member-owned cooperative financial institution that provides consumer and business banking products and services. Its core offerings include deposit accounts (checking, savings, money market, certificates, IRAs, HSAs), consumer and commercial loans (auto, home, RV/boat, personal, SBA, commercial real estate, energy-efficient, QuickFund), credit cards, digital and mobile banking, mortgage hardship assistance, and wealth management delivered through a partnership with LPL Financial.
Is Travis Credit Union a public or private company?
Travis Credit Union is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was Travis Credit Union founded?
Travis Credit Union was founded in 1951. It employs 501 to 1,000 people.
Where is Travis Credit Union based?
Travis Credit Union is headquartered in Vacaville, United States, in the North America region.
How does Travis Credit Union make money?
Four revenue lines are on record. Interest Income on Loans are the primary driver. The others are fee-based Services, share Account Dividends and wealth Management Services.
Who are Travis Credit Union's main competitors?
Direct peers on record are Golden 1 Credit Union, SAFE Credit Union, Patelco Credit Union and SchoolsFirst Federal Credit Union. Broad incumbents are Navy Federal Credit Union, Pentagon Federal Credit Union (PenFed) and BECU (Boeing Employees' Credit Union). Emerging players are Alliant Credit Union and Digital Federal Credit Union (DCU). First Tech Federal Credit Union is listed as a regional player.
Does Travis Credit Union have an API?
No public API is recorded for Travis Credit Union.
What industry is Travis Credit Union in?
Travis Credit Union's product category is Retail Banking. Its primary akta.pro industry code is FSABAEAA, Community Credit Unions (Retail/Consumer Focus), with a secondary code of FSAKAAAL, Bank & Credit Union Personal Loans (Unsecured Installment). Its NAICS code is 52213 and its SIC code is 6022.