The Credit Belongs to You.

When the Credit Union succeeds, you share in that success. That's because the credit largely belongs to you - our loyal members.
With that, we are very pleased to announce that a 5% Bonus Dividend and Interest Refund was posted to our borrowers' and savers' accounts on January 1, 2022!
Thank you for choosing OTIS: We wish you and your families a very happy, healthy, and prosperous New Year!

Affordable Comfort.

Trade the stress of fluctuating energy bills for a consistent, manageable payment over the life of your OTIS Energy Loan. Never be stuck with a large heating bill that busts your budget this winter. Easily apply online today!

Current Rates

All rates and yields subject to change without notice.

*APR = Annual Percentage Rate.
**APY = Annual Percentage Yield.

Auto Loans

as low as
1.90
% APR* (1 yr term)

Home Equity Loans

as low as
2.50
% APR*

Visa Credit Cards

as low as
9.90
% APR*

RV Loans

as low as
2.00
% APR*

Owning your finances starts here.

No matter where you are on your journey, or where you hope to go, we're here for you with financial solutions for every age and stage in life. 

Free Checking Accounts

Enjoy no monthly service charges, no minimum balance requirements, Shared Branch banking, and much more.

Personal Loans

You dream it - we'll help you achieve it. Our affordable Personal Loans can help you elevate your everyday life.

Visa Credit Cards

Credit cards that work for you, not against you: no cash advance fees, balance transfer fees, or annual fees - ever.

RV Loans

We know how hard you work. You deserve to play hard, too! Affordable 100% financing and flexible terms available.

A digital branch, in your pocket.

Conveniently manage your finances with OTIS Mobile, from anywhere, and at any time. Remotely deposit checks, make transfers, view account history, control cards, pay bills, and more.  Download for iOS or Android by scanning the QR codes, or by clicking the links below. 

Your cooperation, your credit union - your profits.

As a cooperative, not-for-profit financial institution, we're able to offer lower loan rates, higher savings rates, fewer fees, and more flexible and personalized financial services than our larger, for-profit competitors. That means more of our members' hard-earned money stays in their pockets, and in our communities. On January 1, 2021, we returned $347,795.58 to our borrowers and savers in the form of a Bonus Dividend and Loan Interest Refund, and since the year 2004, OTIS has returned $5,491,449 to our members via this annual practice - the only one of its kind statewide. You're not just a customer when you bank here - you're an owner, and we treat you like one. 

If you live, work, worship, or attend school in Franklin County, Canton, Fayette, Hartford, Leeds, Livermore, Livermore Falls, Mount Vernon, Readfield, Turner, Vienna, or Wayne, you're eligible to become a member of OTIS FCU. Immediate family members, regardless of geographic location, are also eligible for membership.