Mom on laptop with young daughter

We're Here for You.

No matter where you are, we're with you every step of the way with OTIS Online. Our safe and secure online banking service offers all of the most essential financial functions, at your fingertips - and all from the comfort of your own home.

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.

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!

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Apply Online!

Quick decisions, affordable rates, and the friendly hometown service that you deserve. Learn more about our Loans and VISA Credit Cards today.

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
3.25
% APR*

Certificates

up to
1.26
% 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.

Home Equity Lines of Credit

You've worked hard to build the equity in your home. Why not put your home's equity to work for you? Take what you need, when you need it with a Home Equity Line of Credit. Enjoy low closing costs, flexible terms, and hometown service you can trust.

Personal Loans

Life is full of opportunities and surprises, and sometimes you need a bit of help to get to where you want or need to be. Whatever the case, we're here for you with our affordable 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 5,900+ credit union branches and self-service Shared Branch express terminals in all 50 states, including 170 locations in Maine.

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.

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, 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. Don't just deposit your money--own it at OTIS Federal Credit Union.

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.