The Member's Annual Meeting will be held virtually on April 18, 2023.  Click for more details.

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.