Loan Highlights

Holiday Loan

• Rate as low as 7.89% APR* 
• Maximum loan amount of $15,000
• Terms up to 60 months
• Other terms and conditions may apply

Debt Consolidation Loan

• Rate as low as 10.99% APR** 
• .25% discount if the loan payment is made by direct deposit. The rate decreases to 10.74% APR but will revert to 10.99% APR if direct deposit payments stop. 
• Maximum loan amount $30,000
• Terms up to 60 months
• Other terms and conditions may apply

Auto Loan  

• Rate as low as 4.74% APR** 
• Maximum loan amount $75,000
• Terms up to 60 months
• Other terms and conditions may apply

Unsecured Loan (regular rate)

• Rate as low as 9.99% APR**
• Maximum loan amount $21,000
• Terms up to 60 months
• Other terms and conditions may apply

2nd Chance Loan

• Rate 18.00% APR**
• Maximum loan amount $2,000
• Terms up to 12 months
• Direct Deposit Required 

60 Days No Payment

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

Payday loan (emergency loan)

You can request four payday loans within 12 calendar months. There is a fee associated with each request. You are required to have a direct deposit to PTOFCU. The amount requested is available to repay minus all the loan deductions. The loan must be repaid in full, plus any interest accrued on 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. Payday Loans / Visa / HELOC / EZ Equity /LOC /Overdraft does not apply. Click here to apply. Fax your completed form to 571-273-0190. Fee information

*APY = Annual Percentage Yield

**APR = Annual Percentage Rate.  Rates apply to qualified borrowers on approved credit.  Other rates and terms are available.