Current Promotions

60 Days No Pay for Auto & Personal Loans (Interest accruing during the 60 days no payment. Special does not apply for Visa/LOC/OD or HELOC.)
2.99% APR Home Equity Loan
  • Borrow up to 80% Loan-to-Value
  • Minimum loan amount $10,000
  • Maximum $75,000
  • Terms up to 60 months
  • Other rates and terms available
New & Used Auto Loan
       Rates as low as 1.99% APR* for qualified borrowers 
      100% financed with terms up to 60 months
Tax Relief Loan
    •Rates as low as 5.74% APR* for qualified borrowers (includes .25% rate reduction)
    •5.74% rate applies only to online applicants and 1st time borrowers. Rate reductions cannot be combined.
    •Borrow $500-$10,000
    •Terms up to 24 months
    •Promotional Period: January 1, 2015 until April 30, 2015

Bring Us Your Home Equity Loan
  • Get a $100 Visa Gift Card. Limited time offer.
  • Minimum loan amount $10,000; maximum amount 80% LTV
  • Terms up to 60 months
VISA Credit Cards
     Qualified applicants will be issued a classic VISA at 12.99% APR* with a $500 credit limit
     After 12 months of consistent 'on time' payments, accounts will be re-evaluated and credit balance may be increased
     Credit limit increase before 12 months must be requested by member
 *APR=Annual Percentage Rate

Payday loan (emergency loan)
You can request 2 payday loans within 12 calendar months--not 2 paydays per year. You are required to have a direct deposit to PTOFCU. The amount requested is available to repay minus all the loan deductions. Loan must be repaid in full, plus any interest accrued, the next payroll date.

Skip a pay
Defer your PTOFCU loan payment for one month and use the cash for other expenses. One time per 12 month period. Only for closed/end loans. Visa / HELOC / EZ Equity /LOC /Overdraft does not apply. Click hereto apply. Fax your completed form to 571-273-0190. Fee information

Credit Unions have teamed up with U.S. automakers to offer members great discounts on new American-made vehicles.All eligible current and new Credit Union members have the unique opportunity to get a great discount on a new vehicle from either GM or Chrysler. While the discounts vary depending on which vehicle you choose, everyone will drive away with a great deal.The deal gets even better when you finance your vehicle with us. Thanks to our lower interest rates, your savings will really add up.

Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act.


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