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.

Auto Loan Rates
 

New/Used Automobile 100% Or Less Financing
(2023, 2022, 2021 Used Auto-100% NADA Retail Value plus taxes and tags)
APRAmount FinancedMax TermFixed/VariableFee TypeLoan 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)
APRAmount FinancedMax TermFixed/VariableFee TypeLoan 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)
APRAmount FinancedMax TermFixed/VariableFee TypeLoan 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)
APRAmount FinancedMax TermFixed/VariableFee TypeLoan Application
13.49% 100.00% NADA Retail value 60 months Fixed No minimum New/Used Motorcycles Apply Now

 

Unsecured Loan Rates

Holiday Loan
November 13, 2023 - January 31, 2024
APRAmount FinancedMax TermCredit GradeLoan Application
7.89%* $15,000 60 - 72 mos Rate based on evaluation of credit history. Apply Now
Other rates are available.
 

Credit Cards
Product and Annual Percentage Rate (APR)Amount FinancedMax TermAnnual Percentage RateLoan 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 FinancedMax TermCredit GradeLoan 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 FinancedMax TermCredit GradeLoan Application
18.00% $2,000.00 $2.50 for each $100 Fixed Rate Apply Now

Unsecured Loans
Product and Annual Percentage Rate (APR)Amount FinancedMax TermCredit GradeLoan Application
9.99% $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
APRAmount FinancedMax TermCredit GradeLoan Application
18% $2,000 12 mos. Fixed Apply Now
Direct deposit required.

Share Secured
Product and Annual Percentage Rate (APR)Amount FinancedMax TermCredit GradeLoan Application
6.50% 100% of Share Balance 60 mos. Fixed Apply Now

Share Certificate Secured
Product and Annual Percentage Rate (APR)Amount FinancedMax TermCredit GradeLoan 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.