The Credit Union will be closed on Monday, October 12, 2026, in observance of Columbus Day. We will reopen on Tuesday, October 13, 2026, at 9 a.m.

Important Notice Regarding Federal Employee Payroll Deposits: PTO FCU is aware of reports from members who have not received their expected payroll deposits. We understand that these delays may affect scheduled automatic payments, bill payments, and other financial obligations.

We are closely monitoring the situation and encourage affected members to contact PTO FCU directly so we can assist with any immediate financial concerns, including potential payment disruptions or fees. Also, please contact your payroll office for more details.

We appreciate your patience and understanding. We remain committed to supporting our members as this situation is resolved.

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Drive into fall with

more money in your

wallet. Refinance your

auto loan today!

Special rates--as low as

4.24% APR*

No worries. We’ll help

you bring your dreams

to life.

Your plans, your pace,

your credit union.

Rates as low as 7.89% APR*

Built for your life, every day —

whether it’s a necessity or

simply a desire, choose

PTOFCU’s VISA Credit Card.

Low rates, no annual fees, and strong protection.

Spread The Word.

We Are GROWING!

Employees of the National

Science Foundation

can join our membership.

Help us spread the word and expand our reach.

Learn More

Your fall road trip starts now.

Great Auto Loan Rates

Flexible loan terms designed for every

driver. Explore our Auto Resource

Center and shop confidently.

New or used rates as low as 4.74% APR*

Early Pay

Starts Here!

Enroll in Direct Deposit to receive your

USPTO paycheck early — funds are

available the Friday before payday.

Not a member?

Today is a good day to

join the PTOFCU and start

enjoying the benefits

of PTOFCU membership.

Oct 10, 2026

Today's Rates

Debt Consolidation

APR as low as

10.99%

New/Used Auto

APR as low as

4.74%

Auto Refinance

APR as low as

4.74%

VISA Credit Card

APR as low as

8.90%

APPLY ONLINE VIEW ALL RATES CALCULATORS

Highlights

Highlights

demo loan highlights 1

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

Extended Warranty Protection and Guaranteed Auto Protection are also available.

AutoSmart--Get Pre-Approved and Find the Car of Your Dreams

Extended Warranty Protection and Guaranteed Auto Protection are also available.

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.

Our Mission

Our Mission

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