Young parents frolic on beach with young son

Achieve Your Dreams!

For over sixty years, OTIS FCU has been committed to serving the unique needs of our members and to transforming their financial wishes and goals into realities. Our loan officers work hard to find reasons to say YES to you, even if you have less-than-perfect credit.

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.

Recreational Vehicle Loans

Work hard, play hard! Finance 100% of the purchase price or NADA retail value of a new or used off-road vehicle.

OTIS VISA® Credit Cards

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

Ownership: 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 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.