Going to College

Morgan’s Innovators (13 – 19)

Morgan’s Innovators has been established by PTOFCU to serve as a special savings account aimed at teens ages 13 to 19. This account was named after Garrett Morgan the inventor of the traffic light and it is a great account to assist our teen members with the tools needed to learn proper money management skills and preparing for financial independence in the future. Morgan’s Innovators offers a number of options for our young team members to use. For more information, consult our Morgan’s Innovators page.

Online Teller

It’s your money, know where it is. Because of this PTOFCU offers an Online Teller service that is free and easy to use. By utilizing this service, our members have access to their PTOFCU account anytime, anywhere. Because security is important to all online transactions and inquiries, Online Teller uses enhanced login security features that will identify you as the true 'owner' of your PTOFCU Online Account. Not only will your password be recognized, your computer will be recognized as well. If we don't recognize your computer — you've logged in from a public computer or one you haven't used before. At that point, you will be prompted to answer challenge questions that only you have the answers to. These questions will act as an additional line of defense against unauthorized access to your accounts which is always important to PTOFCU and our members. For more information, visit our Online Teller page.

Establishing Credit

One of the most important lessons to learn early in life is the ability to establish and manage one’s credit. In order to purchase a car or home, one must have a strong credit rating. PTOFCU understands this which is why we offer our members a Visa Credit Card option. For more information, visit our Visa Credit Card page. Please feel free to use our calculators below when considering establishing your credit.

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