Earn triple points for every purchase you make on your Maine Rewards Visa through December 31, 2019

Triple Points Are Back!

Maximize your holiday shopping this year when you earn TRIPLE POINTS for every purchase made with your OTIS Maine Rewards VISA Credit Card! Don't have a Maine Rewards VISA? Apply online today!

Offer ends December 31, 2019.

Pay the Easier Way!

OTIS Federal Credit Union now offers Apple Pay for our VISA® Credit and Debit Cards! Make convenient, secure payments using only your phone. Your name, card number, and security code will always stay private, even from retailers. It's the easier way to pay!

Current Rates

All rates and yields subject to change without notice.

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

Auto Loans

as low as
2.50
% APR

Home Equity Loans

as low as
3.25
% APR

HELOCs

as low as
4.75
% APR

Certificates

up to
2.32
% APY

OTIS FCU: Your Financial Solutions Partner

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

Free Share Draft Checking

Could your Checking Account be doing more for you? We think so. OTIS Checking Accounts are FREE, have no minimum balance requirement, have no monthly service charges, and come with many other convenient and compelling benefits.

New and Used Auto Loans

Our low rates beat banking industry averages in the state of Maine, saving our members, on average, hundreds of dollars over the life of their loans. Discover the credit union difference today with a better auto loan from OTIS FCU.

Personal Loans

Life is full of opportunities and surprises, and sometimes you need a little bit of help to get to where you want or need to be. Whatever the case, we are here for you with our Personal Loans. Let's see what we can do, together.

The OTIS Advantage

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 2018, we returned $392,239 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 $5,015,215 to our members via this annual practice. After all, OTIS members aren't merely customers--they are owners.

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 FCU. Immediate family members, regardless of geographic location, are also eligible for membership.