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!

Refi Your Ride!

Our low rates beat banking industry averages in the state of Maine. Discover the credit union difference today with a better auto loan from OTIS FCU.

You Built It!

You 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 from OTIS FCU.

Girls riding ATV

Play Hard!

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

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.

OTIS VISA® Credit Cards

High-interest credit card debt getting you down? Why not transfer your balances to an OTIS VISA? Choose from two cards with competitive rates and no balance transfer fees, annual fees, or cash advance fees.

Pre-Approved Loan Drafts

In the market for a vehicle this summer, and want to take the guesswork out of the process? Contact us about a Pre-Approved Loan Draft before you shop, and negotiate with the confidence of a cash buyer.

OTIS Mobile

With OTIS Mobile, you can conveniently bank right on your smartphone. Easily access your account history, transfer funds, deposit checks using Remote Deposit Capture, pay bills, schedule travel, and/or block a card.

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.