Man and woman sledding in the snow

Slide into Savings!

High-interest credit card debt can make you feel frozen in place. Give it the slip faster when you transfer your balances to an OTIS Maine Rewards Visa® Credit Card or an OTIS Great Rate Visa® Credit Card! Balance transfers are always FEE-FREE, and our Visa® Credit Cards have no annual fees or cash advance fees.

Happy family high fives after outdoor activity

Own It!

Our Bonus Dividend and Interest Refund is the only one of its kind statewide, and over the last 15 years we've returned $5,143,654 to our borrowers and savers via this annual practice. That's because at OTIS, you're so much more than an account number: You're an owner, and our profits are rightfully returned to you.

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
2.12
% APY

OTIS FCU: Your Financial Solutions Partner

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

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.

Shared Branching

Manage your money from anywhere. The CO-OP Shared Branch Network is the second largest branch network in the country, with more than 5,900 credit union branches and self-service Shared Branch express terminals in all 50 states, and 155 locations in Maine.

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. On January 1, 2020, we returned $520,678.73 to our borrowers and savers in the form of a Bonus Dividend and Loan Interest Refund, and since the year 2004, OTIS has returned $5,143,654 to our members via this annual practice. After all, our 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.