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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Saving Rates
Account TypeAPRAPYOpen an Account

Regular Share And Holiday Accounts

      
$25.00 – $2,499.00 .03% .03% Apply Now
$2,500.00 – Over .03% .03% Apply Now

Share Draft Accounts

      
$0.00 – Over 0.00% 0.00% Apply Now

IRA Accounts

      
$50.00 – over .03% .03% Apply Now

Money Market Account

      
$500 - $2499 .04% .04% Apply Now

Share Certificates
Account TypeAPRAPYOpen an Account
Share Certificates      
6 Months 1.24% 1.25% Apply Now
12 Months 1.29% 1.30% Apply Now
18 Months 1.34% 1.35% Apply Now
24 Months 1.44% 1.45% Apply Now
36 Months 1.54% 1.55% Apply Now
48 Months 1.64% 1.65% Apply Now

IRA and ROTH
Account TypeAPRAPYOpen an Account
IRA Certificates      
6 Months 1.24% 1.25% Apply Now
12 Months 1.29% 1.30% Apply Now
18 Months 1.34% 1.35% Apply Now
24 Months 1.44% 1.45% Apply Now
36 Months 1.54% 1.55% Apply Now
48 Months 1.64% 1.65% Apply Now

APR = Annual Percentage Rate. *APY = Annual Percentage Yield.

*All share account’s anticipated dividends are paid based on Credit Union earnings and are calculated daily on multiple minimum balances.

*Anticipated dividends are compounded and paid quarterly.

*Funds must remain in the account until the end of the quarter to earn dividends.

*A maximum of five (5) withdrawals per month is allowed from a Money Market account. After the maximum number of withdrawals is exceeded, a fee of $5.00 for each additional withdrawal will be charged.

Certificates and IRA accounts require a deposit of $500.00 or more. Early withdrawal penalty of $100.00 or 3 months dividends, whichever is greater.

NOTE: All savings rates are subject to change without notice at the discretion of the Board of Directors.