As the outbreak of the Coronavirus continues to affect people around the world, we have modified our operating hours.  Effective Monday, March 23, 2020, our lobby we will open from 9:00 AM to 12:00 PM Monday through Friday.  We encourage members to use Mobile Banking and Online Banking to access your account.


Auto Loan Special

Fresh Start Loan

Tax Relief Loan

EZ Equity Loan

Access your equity with ease.  (Washington DC Metropolitan Area - VA, MD, DC)

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.