A happy man, woman, and two children pose under a makeshift roof

Achieve Your Dreams

Whether it's a new car, new home, or better credit, OTIS FCU can help you achieve your dreams.

Happy young woman poses with her new car

Get Pre-Approved!

Shop and negotiate just like a cash buyer!

visa debit card

Build Credit

Our share-secured Visa Credit Cards give you the opportunity to establish good credit with the convenience and added benefits of an OTIS Great Rate or Maine Rewards Visa Credit Card. 

Young brunette woman sits atop snowmobile in a snowy forest

Play hard!

We know you work hard ... you deserve to play hard, too! 

Young girl deposits coin into her piggy bank while mother looks on

Join the Coindexter Club!

Considered by many to be the best youth savings program in America, the Coindexter Club combines the latest technology with characters that teach the importance of financial management and accountability.

Free Share Draft Checking

Could your checking account be doing more for you? 

It's March Madness at OTIS!

All recipients of an OTIS loan that is disbursed during the month of March will be entered into a random drawing for a chance to win a 43″ VIZIO 1080P Smart LED TV! Winner will be drawn and announced April 2, 2018.

Current Rates

All rates and yields subject to change without notice.

Auto Loans

as low as

Home Equity Loans

as low as


as low as


up to

OTIS FCU: Your Financial Solutions Partner

Helping you get to where you want to be. There for you every step of the way.

First-Time Auto Buyers

Little or no credit? No problem. Let our First-Time Auto Buyer program put you in the driver’s seat of your very own vehicle.

Fixed Rate Home Equity Loans

You've worked hard to earn the equity in your home. Why not put your home's equity to work for you?

OTIS VISA® Credit Cards

Choose from two cards with competitive rates and no balance transfer fees, annual fees, or cash advance fees.

Grow with OTIS FCU

As a cooperative, not-for-profit financial institution, we are able to offer lower rates on loans, higher dividend rates on your accounts, fewer fees, and more flexible and personalized financial services to our members than our larger, for-profit competitors. That means more of your hard-earned money stays in your pocket, and in our community. In 2016, we gave back nearly $350,000 to our borrowers and savers in the form of a Loan Interest Refund and a Bonus Dividend, and since the year 2004, OTIS has returned over $4 million to our members. After all, our members aren't merely customers--they are owners.

Did you know that, thanks to our shared branching partnerships with other credit unions, you can perform just about any teller transaction at 155 locations in Maine and at over 5,000 CU Service Center locations across the country (and even some overseas!) while your membership and accounts remain at OTIS FCU? Our mobile and online banking features offer further flexibility and convenience to our members, no matter where life takes them. Wherever you go, you can count on us to be there for you.

Ready to join us? Great! 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 are eligible to become a member of OTIS Federal Credit Union. Immediate family members, regardless of geographic location, are also eligible for membership.