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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Currency

Loan Rates

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Auto Loan Rates

New/Used Automobile 100% Or Less Financing
(2023, 2022, 2021 Used Auto-100% NADA Retail Value plus taxes and tags)
APR	Amount Financed	Max Term	Fixed/Variable	Fee Type	Loan Application
5.79% - 8.49%	100.00%	48 months	Fixed	Rate based on evaluation of credit history	Apply Now
5.99% - 11.49%	100.00%	60 months	Fixed	Rate based on evaluation of credit history	Apply Now
6.29% - 9.49%	100.00%	72 months	Fixed	Rate based on evaluation of credit history	Apply Now
6.49% - 9.99%	100.00%	84 months	Fixed	Rate based on evaluation of credit history. Min. finance amt. $30,000 for 84 months term	Apply Now

Used Automobile 100% Or Less Financing
(2020, 2019, 2018, 2017 Used Auto-100% NADA Retail Value plus taxes and tags)
APR	Amount Financed	Max Term	Fixed/Variable	Fee Type	Loan Application
5.79% - 8.49%	100% NADA Retail Value	48 months	Fixed	Rate based on evaluation of credit history.	Apply Now
5.99% - 12.49%	100% NADA Retail Value	60 months	Fixed	Rate based on evaluation of credit history.	Apply Now
6.29% - 10.99%	100% NADA Retail Value	72 months	Fixed	Rate based on evaluation of credit history. Min. finance amt $30,000	APPLY NOW

New Automobile greater than $75,000
(2023-2022 Used Auto-100% NADA Retail Value plus taxes and tags)
APR	Amount Financed	Max Term	Fixed/Variable	Fee Type	Loan Application
5.99% - 8.49%	100.00%	60 - 84 months	Fixed	Rate based on evaluation of credit history. Max. finance amt. $150,000	Apply Now

New/Used Motorcycles 100% Or Less Financing
(2023-2017 Used Motorcycles-100% NADA Retail Value plus taxes and tags)
APR	Amount Financed	Max Term	Fixed/Variable	Fee Type	Loan Application
13.49%	100.00% NADA Retail value	60 months	Fixed	No minimum New/Used Motorcycles	Apply Now

Unsecured Loan Rates

Credit Cards
Product and Annual Percentage Rate (APR)	Amount Financed	Max Term	Annual Percentage Rate	Loan Application
VISA Platinum	$15,000.00	Reviewed Annually	Fixed Rate 8.90%	Apply Now
VISA Gold	$10,000.00	Reviewed Annually	Fixed Rate 10.90%	Apply Now
VISA Classic	$5,000.00	Reviewed Annually	Fixed Rate 11.90%	Apply Now
VISA Secured	Secured by shares $5,000.00 Maximum	Reviewed Annually	Fixed Rate 15.90%	Apply Now

Unsecured Line of Credit
Product and Annual Percentage Rate (APR)	Amount Financed	Max Term	Credit Grade	Loan Application
9.99% - 18.00%	$15,000.00	$2.50 for each $100	Rate based on evaluation of credit history.	Apply Now

Overdraft Protection
Product and Annual Percentage Rate (APR)	Amount Financed	Max Term	Credit Grade	Loan Application
18.00%	$2,000.00	$2.50 for each $100	Fixed Rate	Apply Now

Unsecured Loans
Product and Annual Percentage Rate (APR)	Amount Financed	Max Term	Credit Grade	Loan Application
9.99% Special*	$21,000.00	60 mos	Rate based on evaluation of credit history.	Apply Now
10.99% - 17.99%	$15,000.00	60 mos.	Rate based on evaluation of credit history.	Apply Now
12.99% - 13.99%	$15,000.00	72 mos.	Rate based on evaluation of credit history.	Apply Now

2nd Chance Loan

APR	Amount Financed	Max Term	Credit Grade	Loan Application
18%	$2,000	12 mos.	Fixed	Apply Now
Direct deposit required.

Share Secured
Product and Annual Percentage Rate (APR)	Amount Financed	Max Term	Credit Grade	Loan Application
6.50%	100% of Share Balance	60 mos.	Fixed	Apply Now

Share Certificate Secured
Product and Annual Percentage Rate (APR)	Amount Financed	Max Term	Credit Grade	Loan Application
5.00% Above	100% of Share Certificate	Max. Term of Share Cert.	Fixed	Apply Now

*APR = Annual Percentage Rate. APY = Annual Percentage Yield.

**Rate applies to qualified borrower.