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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Overdraft Protection
A line of credit to cover checking overdrafts for peace of mind

Share Secured Overdraft Protection
A line of credit secured by funds in your share account to cover checking overdrafts

Unsecured Loans
For any worthwhile purpose and at competitive rates. It doesn't require any collateral

Personal Line of Credit
Easy access to funds through pre-approval

Share Secured Loans
Secured 100% by your savings in the Credit Union

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* NOTE: You will need Online Teller access to apply for a loan online.  If you have Online Teller access, click 'Apply Now' to log onto your Online Teller account. Once logged in, you can apply for a loan online. You may also print and fill out the PDF Version below:

PDF Version: Loan Application

If you apply online or complete the PDF Loan Application, you must fax your most recent pay stub to the loan department at 571-273-0190.