A young woman steps out of her car in the snowy woods

A Better Auto Loan!

Get behind the wheel of the car or truck of your dreams with a New or Used Auto Loan from OTIS! Conveniently apply online from anywhere, at any time. Already have an Auto Loan? Refinancing with us is easy and available at no extra cost. Enjoy the low rates, flexible terms, and hometown service that you deserve.

group of snowmobilers enjoying a snowy trail

Free Club Membership!

Where will your journey take you? We can help make your adventures affordable. Create more memories this winter when you finance with a Recreational Vehicle Loan from OTIS--and receive FREE membership to your local snowmobile club for the life of your loan!

Pay the Easier Way!

OTIS Federal Credit Union now offers Apple Pay, Google Pay, and Samsung 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!

Firefighter at station at rest depositing a check remotely with smartphone

It's a Snap!

Deposit your checks in a snap--literally. With OTIS Mobile's Remote Deposit Capture feature, you can quickly and securely make deposits into your Checking, Savings, Money Management, or Club accounts from anywhere.

Current Rates

All rates and yields subject to change without notice.

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

Auto Loans

as low as
1.90
% APR* (1 yr term)

Home Equity Loans

as low as
2.50
% APR*

Visa Credit Cards

as low as
9.90
% APR*

Certificates

up to
0.95
% APY**

OTIS Federal Credit Union: Your Hometown Financial Partner

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

Free Checking Accounts

Our Checking Accounts come with built-in features designed to simplify your financial life. And the best part? They're FREE. Enjoy NO monthly service charges, NO minimum balance requirements, Shared Branch banking... and more!

Home Equity Lines of Credit

You've worked hard to build the equity in your home. At OTIS, we believe that your equity should work just as hard for you. With today's historically low rates, there's never been a better time to take advantage of an OTIS Home Equity Line of Credit.

Visa Credit Cards

Credit cards that work for you: At OTIS, you can choose from two Visa credit cards with competitive rates and NO balance transfer fees, annual fees, or cash advance fees. Once approved, we can issue your new credit card instantly.

Download our Mobile Banking App!

A digital branch, in your pocket. Access account history, control cards, transfer funds, pay bills, schedule travel, remotely deposit checks, and so much more. OTIS Mobile makes managing your money from anywhere easy! Download by scanning the QR codes, or by clicking the links below. 

The OTIS Advantage

As a cooperative, not-for-profit financial institution, we're able to offer lower loan rates, higher savings rates, fewer fees, and more flexible and personalized financial services than our larger, for-profit competitors. That means more of our members' hard-earned money stays in their pockets, and in our communities. On January 1, 2021, we returned $347,795.58 to our borrowers and savers in the form of a Bonus Dividend and Loan Interest Refund, and since the year 2004, OTIS has returned $5,491,449 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're eligible to become a member of OTIS FCU. Immediate family members, regardless of geographic location, are also eligible for membership.