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Current Promotions


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Current Promotions

60 Days No Pay for Auto Loans. Interest accruing during the 60 days no payment. Special does not apply for Visa/LOC/OD, Second Chance Loans or HELOC.

TAX Loan


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

    •  Maximum loan amount $10,000

    •  Terms up to 24 months

    •  Promotional period ends April 30, 2020


2nd Chance Loan


    •  Rate 18.00% APR*

    •  Maximum loan amount $2,000

    •  Terms up to 12 months

    •  Direct Deposit Required   


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


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Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the NCUA.

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We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act.




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