If the Federal Government closes early on Friday, October 7th in observance of Indigenous People/Columbus Day, we will close at 1 p.m.

We will be closed on Monday, October 9th, in observance of the holiday. 

SCAM ALERT:  Recently, phone calls that appear to be from PTOFCU (including PTOFCU showing up in the caller ID) are being made to members asking for account or debit card information.  In some cases, threats to report the member to the police are made.  These calls are not from the PTOFCU. Please do not provide any personal information to the caller. Report fraud here.

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Share Certificate Special  

Auto Loan  (regular rate)

Unsecured Loan

2nd Chance Loan

60 Days No Payment

60 Days No Pay for Auto Loans. Interest accruing during the 60 days of no payment. Special does not apply for Visa, Second Chance Loans or HELOC.

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. The loan must be repaid in full, plus any interest accrued on 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 here to apply. Fax your completed form to 571-273-0190. Fee information

*APR = Annual Percentage Rate.  Rates apply to qualified borrowers on approved credit.  Other rates and terms are available.