A Better Way to Pay!

Credit Cards that work for you, not against you: Choose between two low-rate Visa Credit Cards with NO annual fees, balance transfer fees, or cash advance fees - ever. Conveniently apply online today!

Let's Build Together!

You've worked hard for your equity. With our affordable rates, your equity can work just as hard for you. Ask us about financing your Fall home improvements with a Home Equity Line of Credit 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
1.90
% APR* (1 yr term)

Home Equity Loans

as low as
2.50
% APR*

Visa Credit Cards

as low as
9.90
% APR*

RV Loans

as low as
2.00
% APR*

Owning your finances starts here.

No matter where you are on your journey, or where you hope to go, we're here for you with financial solutions for every age and stage in life. 

Free Checking Accounts

Enjoy no monthly service charges, no minimum balance requirements, Shared Branch banking, and much more.

Personal Loans

You dream it - we'll help you achieve it. Our affordable Personal Loans can help you elevate your everyday life.

New & Used Auto Loans

Buy (or refi!) the car or truck of your dreams today with our low rates, flexible terms, and 100% financing.

Energy Loans

A comfortable home is priceless. Our Energy Loans make achieving that comfort affordable.

A digital branch, in your pocket.

Conveniently manage your finances with OTIS Mobile, from anywhere, and at any time. Remotely deposit checks, make transfers, view account history, control cards, pay bills, and more.  Download for iOS or Android by scanning the QR codes, or by clicking the links below. 

Your cooperation, your credit union - your profits.

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 - the only one of its kind statewide. You're not just a customer when you bank here - you're an owner, and we treat you like one. 

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.