If you are under a reduction in force (RIF) or are retiring, please get in touch with us to update your loan payment information.

SCAM ALERT: If you receive a text message asking you to confirm a cash transaction by replying "Yes" or "No," do not respond. This is a scam. The message claims to be from the PATENT & TRADEMARK OFFICE F.C.U. SECURE FRAUD ALERTS, but we do not send out fraud alerts. Stay vigilant and protect your information.

Buying a House

For many, the largest purchase someone will make in their lifetime will be the purchase of a home. Buying a new home should be a fun and exciting time. PTOFCU is here to help! We offer a wide range of loan options and work diligently with our members to make financing of your new home as enjoyable and affordable as possible. For more information, visit our Home Loans page. Below are some helpful calculators to use at your convenience when considering purchasing a home:

Interest First Calculator
Bi-weekly Mortgage Calculator
Do I want a Fixed or Adjustable Rate Mortgage?
What will my mortgage payment be?
Mortgage Refinance Calculator