Current Promotions

Current Promotions

Holiday Loan

    •  Rates as low as low as 7.99% APR* for qualified borrowers

    •  Maximum loan amount is $5,000

    •  Terms up to 24 months

    •  Promotional period October 1, 2018 until January 31, 2019

2nd Chance Loan

    •  Rate 18.00% APR*

    •  Maximum loan amount $2,000

    •  Terms up to 12 months

    •  Direct Deposit Required   

VISA Credit Cards

• Qualified applicants will be issued a classic VISA at 12.99% APR* with a $500 credit limit
• After 12 months of consistent 'on time' payments, accounts will be re-evaluated and credit balance may be increased
• Credit limit increase before 12 months must be requested by member

*APR=Annual Percentage Rate

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. Loan must be repaid in full, plus any interest accrued, 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