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 Patent And Trademark Office Federal Credit Union Rates & Review May 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: May 15, 2026
You can compare Patent And Trademark Office Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.75%, 6-month share certificate rates at 3.78% and 3-month share certificate rates at 3.00%. Savings rates are at 0.75% and money market rates are at 0.05%. Mortgage rates on 30-year fixed loans are around 6.07%. All these rates can be compared to Patent And Trademark Office Federal Credit Union rates. MonitorBankRates evaluates the financial stability of Patent And Trademark Office Federal Credit Union with a 4.9 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 15.67%. Rates were last updated on 05/15/2026. Patent And Trademark Office Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Patent And Trademark Office Federal Credit Union? Share your experience about Patent And Trademark Office Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Patent And Trademark Office Federal Credit Union. Patent And Trademark Office Federal Credit Union
Main Office 501 Dulany St
https://www.ptofcu.org Alexandria, VA 22314 
Patent And Trademark Office Federal Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Patent And Trademark Office Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Patent And Trademark Office Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Patent And Trademark Office Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Patent And Trademark Office Federal Credit Union
Website
https://www.ptofcu.org
Address
501 Dulany St,
Alexandria, VA 22314
Phone
571-272-0350
Fax
571-273-0190
President
Welton Lloyd
CEO
Melinda Edmunds
Full-Time Employees
9
Part-Time Employees
0
Branch Locations
1
ATM Locations
1
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
4.9 / 5.0 ★
Overall Health & Safety Grade
A- (92/100)
Texas Ratio
15.67%
Return on Assets (ROA)
0.4739%
Return on Equity (ROE)
6.5020%
Non-Performing Loans Ratio (NPL)
2.07%
Total Assets
40,030,588
Total Amount of Shares and Deposits
37,121,798
Total Shares and Deposits < 1 Year
36,933,034
Total Shares and Deposits 1 3 Years
188,762
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
2,770,120
Total Uninsured Shares and Deposits > $250K (F+J)
2,770,120
Total Insured Shares and Deposits > $250K (item 17 less item K)
34,351,678
Total Interest Expense (Sum of items 6 8)
12,245
Share Certificates
38
Number of Accounts for Share Drafts
901
IRA KEOGH Accounts
76
Number of Accounts for Regular Shares
2,597
All other shares
157
Money Market Shares
99
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
4,358,274
Total Liabilities
37,122,989
Source: NCUA — Last Updated 09/30/2025
Customer Reviews
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Frequently Asked Questions About Patent And Trademark Office Federal Credit UnionHow many branches does Patent And Trademark Office Federal Credit Union operate?Patent And Trademark Office Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Patent And Trademark Office Federal Credit Union?Yes, to access services at Patent And Trademark Office Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Patent And Trademark Office Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Patent And Trademark Office Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Patent And Trademark Office Federal Credit Union offer online and mobile banking?Most modern institutions like Patent And Trademark Office Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.ptofcu.org. Compare to Other Credit Unions
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