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• Fees

• Low 9.9% Annual Percentage Rate
  on Purchases, Cash Advances and Balance Transfers

• No Annual Fee

• No Balance Transfer Fee

• No Cash Advance Fee

• Credit Life Insurance is included at no extra charge

• Serviced Locally

• Free ON-LINE Access with OTIS ON-LINE

• You can fill it out before or after printing--Credit Card Application

Additional benefits: ATM access for cash advances, Make payments automatically from your OTIS account, Payments can be as low as $20.00 or 3% of your statement balance, whichever is greater.

If you're trying to overcome a less than perfect credit or build good credit history, we can help. Our share secured Visa credit cards give you the opportunity to establish good credit with the convenience of an OTIS Visa credit Card. Ask a Loan Officer today for more details.

Other Charges - The following other charges will be added to your account as applicable; late fee (after 20 days) $15.00; walk-thru fee $27.00; statement copy fee $1.00 per page; sales draft copy fee $6.00; replacement card fee $5.00.

For information on how to handle a lost or stolen VISA Credit Card click here.