As the outbreak of the Coronavirus continues to affect people around the world, we have modified our operating hours. Effective Monday, March 23, 2020, our lobby we will open from 9:00 AM to 12:00 PM Monday through Friday. We encourage members to use Mobile Banking and Online Banking to access your account.

Patent and Trademark Office FCU will be closed Wednesday, January 20th for the inauguration of the 46th President of the United States of America.

Routing # 256078433 Applications & Forms Become a Member Hours & Locations ATM Locator Contact Us

Enjoy Winter's

Wonderland in

Your New Ride

BIG Savings
and NO Regrets

HOLIDAYS ARE

EASY WITH OUR

VISA CREDIT CARD

SAVE BIG WITH

OUR LOW RATES

Protect yourself
from fraud

Be sure to check your
credit union accounts often.

Make the most out of
the equity in your home.
Go ahead, dream big.

With our home equity line
of credit you can start
imagining the possibilities.

Get that new home
you've been dreaming of.

We offer competitive rates, flexible terms, and convenient service.

Our Line of Credit
lets you make
more happen.

Get up to $15,000 ca$h
when you want it or need it.

Credit Card
Balance Transfer.
Move it & lose that
high payment!

Rates are low and there are no annual fees. Plus you get the same low rate for cash advances.

Jan 19, 2021

Today's Rates

Signature Loan

APR as low as

8.99%

Home Loans

For Mortgage Rates

New Auto Loan

APR as low as

1.99%

VISA Credit Card

APR as low as

10.90%

APPLY ONLINE VIEW ALL RATES CALCULATORS

Loan Highlights

Loan 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.

demo loan highlights 2

Buying Your First Home?

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

PRE-QUALIFY HERE!

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.