If the Federal Government closes early on Friday, October 7th in observance of Indigenous People/Columbus Day, we will close at 1 p.m.

We will be closed on Monday, October 9th, in observance of the holiday. 

SCAM ALERT:  Recently, phone calls that appear to be from PTOFCU (including PTOFCU showing up in the caller ID) are being made to members asking for account or debit card information.  In some cases, threats to report the member to the police are made.  These calls are not from the PTOFCU. Please do not provide any personal information to the caller. Report fraud here.

Auto Loans

Get behind the wheel of your dream car.

Student Loans

Get the money you need for your higher education

Auto Refinance

Refinance your auto loan and save

Annual Report

Annual Meeting

Get the 2022 Annual Report

2022 Annual Report



Online Banking

Access to your account anytime, anywhere!



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

Extended Warranty Protection and Guaranteed Auto Protection are also available.

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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.