Current Promotions

Holiday Loan

• Rates as low as 7.89% APR** 
• Maximum loan amount $15,000
• Terms up to 72 months
• Other terms and conditions may apply

New Year Share Certificate Special  

• 4.50% APY* (Annual Percentage Yield)
• $1,000 minimum deposit
• New money only
• 12-month term

Share Certificate Special  

• 4.23% APY* (Annual Percentage Yield)
• $1,000 minimum deposit
• New money only
• 18-month term

Auto Loan  (regular rate)

• Rates as low as 5.79% APR** 
• Maximum loan amount $75,000
• Terms up to 60 months
• Other terms and conditions may apply

Unsecured Loan

• Rates as low as 9.99% APR**
• Maximum loan amount $21,000
• Terms up to 60 months
• Other terms and conditions may apply

2nd Chance Loan

• Rate 18.00% APR**
• Maximum loan amount $2,000
• Terms up to 12 months
• Direct Deposit Required 

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

*APY = Annual Percentage Yield

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