Patent And Trademark Office Federal Credit Union Rates and Review February 2026
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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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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 by leaving a review below, or read customer reviews before you decide to use . Patent And Trademark Office Federal Credit Union Texas RatioPatent And Trademark Office Federal Credit Union's Texas Ratio is at 15.67%, which is considered good. The Texas Ratio for Patent And Trademark Office Federal Credit Union is higher than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This suggests that while Patent And Trademark Office Federal Credit Union has some non-performing assets, it maintains sufficient capital reserves to handle potential losses. MonitorBankRates Rating
4.9
Excellent
Out of 5.0 Stars
Patent And Trademark Office Federal Credit Union has earned a Smart Rating of 4.9 out of 5 stars. 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. Overall, Patent And Trademark Office Federal Credit Union is an excellent credit union worth considering, with an overall rating of 4.9 stars out of 5 stars. Current Interest RatesProduct
APY/APR
vs.Avg
"N/A" indicates the product is not offered or the rate is unavailable.
Patent And Trademark Office Federal Credit Union
Main Office 501 Dulany St
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 & OverviewCredit Union Name: Patent And Trademark Office Federal Credit Union
Website: https://www.ptofcu.org
Full Time Employees: 9Part Time Employees: 0 President: Welton Lloyd CEO: Melinda Edmunds Branch Locations: 1 ATM Locations: 1 Corporate Office Address:
501 Dulany St
Alexandria, VA 22314 Phone Number: 571-272-0350 Fax Number: 571-273-0190 FinancialsTotal 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
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About Patent And Trademark Office Federal Credit UnionIs 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. Is there a first-time homebuyer program?Currently, Patent And Trademark Office Federal Credit Union provides a range of mortgage and home equity products. Is Patent And Trademark Office Federal Credit Union a safe place to deposit money?Yes, Patent And Trademark Office Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. 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 including online balance checks and transfers. Compare to other Credit Unions |
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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 0.55%, 6-month share certificate rates at 1.05% and 3-month share certificate rates at 2.65%. Savings rates are at 0.75% and money market rates are at 0.50%. Mortgage rates on 30-year fixed loans are around 6.50%. All these rates, and more, can be found in our database of rates which you can compare to 
