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!
All rates and yields subject to change without notice.
*APR = Annual Percentage Rate.
**APY = Annual Percentage Yield.
Home Equity Loans
Visa Credit Cards
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.
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.
"I have been with OTIS for about 20 years and have never had a bad experience with them. The OTIS team is fantastic and has always helped me efficiently and promptly. I have started my toddlers accounts with them because I know that OTIS is all about family."
"Always friendly and willing to help. You have given us the best rates around. You have everything we need, from checking, savings, loans, safety deposit boxes, good hours, ATMs with no fees, and you're close to home. You support your community in many ways."
"What do I love about OTIS? Everything! Their online banking, online loan applications, friendly and helpful staff, and the ability to keep them as our banking institution even though we live almost 100 miles away! We are members for LIFE!!"
"The personal and friendly service is the best part about being a part of OTIS FCU. It's great to bank at a place where you know the people that work there and trust that they will help you any way they can. OTIS FCU is MY credit union."
The people who work there make all the difference to me. I have moved out of Jay and continue to keep my business at OTIS. It means a lot when you go in and people address you by name, ask how you are, and care what your answer is. OTIS has helped me in times of financial need and hardship without judgment. Thank you."
"OTIS doesn't just work with you based on a FICO score. They know you, your family, and your history. When I was laid off at the paper mill they worked with me, not against. For that, they will always be my go-to... I have several banks within 10 miles but OTIS, though 40 miles away, will always be the one."
As a soldier who has lived all around the world, I love being a member of OTIS FCU because they care and take care of me. It's truly like being a member of a banking family. OTIS FCU will continue to get my business no matter where I live."
We have been members just short of 40 years! Through all stages of our lives, OTIS FCU has been there to support us! They have been our friends, our cheerleaders, and our counsel. With the help of OTIS FCU we purchased the land our home is built on, have reliable vehicles, save for college and our retirement, and have been able to navigate the financial care of my parents. OTIS Federal Credit Union has been with us through all the seasons of our lives! THANK YOU!"
"OTIS has simply been our home for ALL of our financial needs. What we like about them is a sense of a family feel, a personal experience, and being known on a first-name basis. Their loyalty to each person they serve has allowed us to entrust them with our needs and to remain loyal to them. OTIS, we thank you for the many things you do, too many to mention."
"What is not to love? No matter when you go in, all are very welcoming and helpful. They answer questions when they can, and direct you to the right person when they can't. Funny, but when I go in, I see smiling faces ready to serve, and I find it a bit difficult to choose who I will go to! Love my credit union, best decision we ever made when we switched banking."
Each and every time I walk into OTIS I am welcomed by a smile and a hello from the staff. They treat me like an old friend that they haven't seen in years--I always leave there with a smile even if I was having a not-so-great day on the way in."
"OTIS is likely to have the most favorable rates. They are a wealth of honest information--they are there to serve your needs, not to make money off of you. They have deep roots in the community, so your investments there are good for your neighbors."
"An excellent place to do business with and I would recommend OTIS any day. I'm the third generation of my family there and I wouldn't wish to go anywhere else."
"In approximately 1991 I went into OTIS Federal Credit Union to share my story and to try to repair my credit. I was at the end of my rope and felt desperate. I was recently divorced and had gone through bankruptcy. I met with a representative who was very understanding and helped me set up a long-term plan to get back on track. I started with a small loan secured by money that I had deposited. Once that was paid off, I was able to take out a loan with a co-signer, and after that, was able to apply for a loan on my own. From that point on, life just got better and better. Without the help of OTIS Federal Credit Union, I know that I would not be in the great financial situation that I am in now with very good credit! Thank you OTIS!"
"As a member of OTIS FCU, you will be treated above and beyond what you expect. The service is excellent and the people are great to work with. You will not be disappointed that you chose OTIS FCU to be your bank."
"This credit union has been with me every step of the way, my entire 30 years of life! I live two hours away but refuse to give them up! They have financed almost every car I've owned, my wedding, motorcycles, personal loans... You name it! And this can be complicated living so far away, but they've made it a seamless process every time! The staff is personable and always asks how my family is doing, or will stop me to chat about what is going on in my life! I work as a manager of a different bank, but will stay loyal to my credit union! I love this institution!"