Home remodeling supplies

Do More With Your Money!

Thinking about taking out a Fixed Rate Home Equity Loan or a Home Equity Line of Credit this Spring? Through Friday, May 24th, we are offering FREE APPRAISALS with all Home Equity applications!

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!

Hop into the driver's seat of your financial life when you refi with OTIS! Refinancing loans from dealerships or other financial institutions is always hassle-free and available at no extra cost. Rates start at just 2.50% APR.

Couple riding an 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
2.50
% APR

Home Equity Loans

as low as
3.25
% APR

HELOCs

as low as
5.50
% APR

Certificates

up to
3.04
% APY

OTIS FCU: Your Financial Solutions Partner

Helping you get to where you want to be. There for you every step of the way.

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.

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 spring, 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.

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.