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!

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!

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.

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.

Energy Loans

Want to lock in a great rate by pre-purchasing your heating oil? Would new doors, windows, or siding bolster your home’s energy efficiency? Have you been thinking about supplementing your home heating with a new wood or pellet stove? OTIS can help!

Personal Loans

Life is full of opportunities and surprises and that sometimes you need a little bit of help to get to where you want or need to be. Whatever the case, we are here for you with our Personal Loans. Let's see what we can do, together.

VISA® Credit Cards

At OTIS, you can choose from two VISA® credit cards with competitive rates and no balance transfer fees, annual fees, or cash advance fees. The best part? Our credit cards are serviced right here in-house for the ultimate in member convenience.

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.

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.