From change to retirement, we are with you every step of the way.

Whether you’re opening your first account, getting married, or ready to retire, OTIS has the financial products and services that you need – and the competitive rates you’re looking for. Join OTIS FCU today and experience the OTIS Advantage!

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Open a Free Checking Account
Apply for a Visa Credit Card
Bank from Anywhere
Find a Fee-Free ATM
Find a Shared Branch

President’s Day Auto Loan Special!

Purchase or refinance your new or used auto with OTIS FCU and experience rates as LOW as 4.95% APR* for 60 months!

*APR = Annual Percentage Rate. Promotion effective February 12-29, 2024. Promotional rate advertised is for a 60-month term at 4.95% APR for a credit score of 730 or higher. Offer is subject to change without notice. Loan rate is determined by your personal creditworthiness. Minimum loan amount is $5,000. Existing OTIS FCU loans do not qualify for this offer. Member eligibility required. Federally Insured by NCUA. Equal Housing Lender.

Your loyalty deserves everyday rewards.

Increase your purchasing power with our FREE Visa Debit Rewards Cards by earning points with every purchase!

young women in car

Let us put you in the driver’s seat.

With our low rates and flexible terms on Auto Loans, you’ll have more for what matters most in your life. Whether you’re looking to buy or refinance, we make it hassle-free and budget-friendly.

man and woman smiling together

Live the life you want, for less.

Whether it’s the vacation of a lifetime or the new kitchen you’ve always wanted – if you dream it, we can help you achieve it with an affordable and versatile Personal Loan.

We’re here for you – no appointment necessary.

In the neighborhood? Stop in to see us from 9 AM to 5 PM, Monday through Friday. We’re committed to service with a smile, on your schedule.

What our members are saying

How can OTIS work for you?

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 be part of OTIS FCU – and we’d love to have you join our community.