Pandemic lobby hours: 9:00 AM to 12:00 PM M - F.  Please use Mobile Banking and Online Banking to access your account.

Auto Loans

Get behind the wheel of your dream car.

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Paying your bills has never been easier.

Sign up today and enjoy easy bill payment in one central location. Pay online, anytime, anywhere.

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Ready for your next home.

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Home Improvements or Unexpected Expenses?

We offer a variety of options to allow you to tap your home’s equity.

Student Loans

Get the money you need for your higher education

Shop your way with our low rate Visa Credit Card

Whether it's Platinum,
Gold, Classic or Secured,
our Visa Credit Card is sure
to meet your need.

Auto Refinance

Refinance your auto loan and save

Annual Report

Annual Meeting Postponed

Get the 2020 Annual Report

2020 Annual Report



Loan Highlights

Loan Highlights

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New and Used Cars, Light Trucks, and Motorcycles, all at Competitive Rates

Extended Warranty Protection and Guaranteed Auto Protection are also available.


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Buying Your First Home?

We have options for you...
FHA, Conventional, and VA Loans.


Why Join PTO FCU?

Why Join PTO FCU?

We're Your Partner

Becoming a PTO FCU member means never facing a financial decision alone.

We Work for You

Providing you the tools and resources to help you achieve your goals.

24/7 Access

Access our services from your laptop, ATM, or phone 24 hours a day, every day.

Become a Member

We've streamlined the financial process to help give more time back to you.

Learn More

Our Mission

Our Mission

To provide our members with the highest level of quality, convenient, and reliable service while maintaining financial strength.