Family hiking in the fall

Achieve Your Dreams!

For over sixty years, OTIS 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.

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!

Two girls riding an ATV in the mountains in fall

Play Hard!

Work hard, play hard! Finance 100% of the purchase price or NADA retail value of a new or used recreational vehicle at OTIS.

You Earned It!

You've worked hard to earn the equity in your home. Why not put your home's equity to work for you with a Fixed Rate Home Equity Loan from OTIS? We offer rates as low as 3.00% APR*, low closing costs, and terms to fit your budget.

*(Annual Percentage Rate)

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.

Free Share Draft Checking

Could your checking account be doing more for you? Learn what makes our Share Draft accounts so special.

Used Auto Loans

Your key to major savings! Let our low rates put you in the driver's seat of your financial life.

OTIS VISA® Credit Cards

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

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 2017, we returned $354,089 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 $4,622,976 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.