Get an Auto Loan - and a Yeti Mug!

Our New and Used Auto Loans start at just 2.70% APR* for a five-year term. Finance (or refinance!) with us through January 29, 2021, and you'll receive a complimentary YETI Rambler 14 oz. mug! Apply online today!

Children outside playing tug-of-war

Sharing in Success!

Your cooperation. Your Credit Union. Your profits. Bonus Dividends and Interest Refunds are here!

At OTIS, you're not a number, and you're not a customer. You're an owner. Our Bonus Dividend and Interest Refund program is the only one of its kind statewide, and returned $347,795.58 to our members this year.

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!

Firefighter at station at rest depositing a check remotely with smartphone

It's a Snap!

Deposit your checks in a snap - literally. With OTIS Mobile's Remote Deposit Capture feature, you can quickly and securely make deposits into your Checking, Savings, Money Management, or Club accounts from anywhere.

Current Rates

All rates and yields subject to change without notice.

*APR = Annual Percentage Rate.
**APY = Annual Percentage Yield.

Auto Loans

as low as
% APR* (1 yr term)

Home Equity Loans

as low as
% APR*

Visa Credit Cards

as low as
% APR*


up to
% APY**

OTIS Federal Credit Union: Your Hometown Financial Partner

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

Recreational Vehicle Loans

Where will your journey take you? We can help you get there with our low rates, flexible terms, and the hometown service that you deserve. Make more memories this winter when you finance with a Recreational Vehicle Loan from OTIS FCU.

New and Used Auto Loans

Get behind the wheel of the car or truck of your dreams with an Auto Loan from OTIS! Conveniently apply online from anywhere, at any time. Already have an Auto Loan? Refinancing with us is easy and available at no extra cost. Start saving today!

Visa Credit Cards

Credit cards that work for you: At OTIS, you can choose from two Visa credit cards with competitive rates and NO balance transfer fees, annual fees, or cash advance fees. Once approved, we can issue your new credit card instantly.

Download our Mobile Banking App!

A digital branch, in your pocket. Access account history, control cards, transfer funds, pay bills, schedule travel, remotely deposit checks, and so much more. OTIS Mobile makes managing your money from anywhere easy! Download by scanning the QR codes, or by clicking the links below. 

The OTIS Advantage

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. After all, our 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're eligible to become a member of OTIS FCU. Immediate family members, regardless of geographic location, are also eligible for membership.