Happy couple sits outside in the winter holding sparklers

The Advantage of Ownership!

At OTIS, our members aren't merely customers--they are our shareholders and owners. It is through a cooperative effort that we succeed, and we believe that this success should be rightfully shared. Our Bonus Dividend and Interest Refund is our annual way of saying "thank you" for choosing us--over 5,015,215 "thank you's" so far and counting!

Play Hard!

When you choose to finance the purchase of your snowmobile or ATV with OTIS FCU, the cost of your membership to your local snowmobile or ATV club is on us--for the life of your loan!

Woman using Apple Pay to make a purchase

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.

Auto Loans

as low as
2.50
% APR

Home Equity Loans

as low as
3.25
% APR

HELOCs

as low as
5.25
% APR

Certificates

up to
3.14
% APY

OTIS FCU: Your Financial Solutions Partner

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

OTIS Mobile

With OTIS Mobile, you can easily access your account history, transfer funds, deposit checks using Remote Deposit Capture, pay bills, schedule travel, and/or block a card. Download available for iOS or Android.

OTIS VISA ® Credit Cards

Did your credit cards get a workout over the holiday season? Why not transfer your existing balances to an OTIS VISA? Balance transfers are always free, and you'll get to enjoy a low rate all year long.

Shared Branching

Perform virtually any teller transaction at 155 locations in Maine and at over 5,000 CU Service Center locations across the country while your membership and accounts remain at OTIS FCU.

Cooperation: 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.

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