SCAM ALERT: If you receive a text message asking you to confirm a cash transaction by replying "Yes" or "No," do not respond. This is a scam. The message claims to be from the PATENT & TRADEMARK OFFICE F.C.U. SECURE FRAUD ALERTS, but we do not send out fraud alerts. Stay vigilant and protect your information.

We will be closed on July 4th in observance of Independence Day and reopen on July 7th at 9:00 a.m.  If the federal government closes early on July 3rd, we will close at 1 p.m.

IMPORTANT UPDATE:  We will close at 2 p.m. on Wednesday, July 2nd, for staff training and reopen on Thursday at 9:00 a.m.

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If you are paying anything for your checking account, you're paying too much.  Switch to PTO FCU and save money.  Our checking account has all the benefits you'd expect nowadays, including mobile banking, remote deposit capture, and check images with our online teller. With our checking account, you will not encounter monthly service fees, no per-check fee, and no minimum balance requirement.*  Plus, your funds are federally insured up to $250,000 by the National Credit Union Administration.  

*See Fee Schedule for additional information.

  OPEN YOUR CHECKING ACCOUNT TODAY