• Click here to learn more about Home Equity Loans and Lines of Credit
    Click here to learn more!
  • Click here to learn more!
  • Click here to learn more about Great Rate and Loyalty Rewards Credit Cards
    Click here to learn more!

From change to retirement, we are with you every step of the way.

Whether you’re opening your first account, getting married, or ready to retire, OTIS has the financial products and services that you need – and the competitive rates you’re looking for. Join OTIS FCU today and experience the OTIS Advantage!

grandpa with grandkids and piggy bank

Open a Free Checking Account
Apply for a Visa Credit Card
Bank from Anywhere
Find a Fee-Free ATM
Find a Shared Branch

Need a Credit Card?

We offer two Credit Card options at competitive rates and with NO annual fees, cash advance fees, or balance transfer fees!
Great Rate Visa Credit Card

Great Rate Visa

LOW rate of 9.9% APR!

Loyalty Rewards Visa

Earn points with every purchase!

Loyalty Rewards Visa Credit Card
smiling young woman with paint roller doing renovations

Let us help you build your dreams.

Looking to renovate your home? Pursue higher education? With home values at an all-time high, build your dreams with a Fixed Rate Home Equity Loan or Home Equity Line of Credit!

Start your auto buying journey with us!

With our low rates and flexible terms on Auto Loans, you’ll have more for what matters most in your life. Whether you’re looking to buy or refinance, we make it hassle-free and budget-friendly.

young couple with two young children sitting in vehicle hatchback

We’re here for you – no appointment necessary.

In the neighborhood? Stop in to see us from 9 AM to 5 PM, Monday through Friday. We’re committed to service with a smile, on your schedule.

What our members are saying

How can OTIS work for you?

If you live, work, worship, or attend school in Androscoggin, Cumberland, Franklin, Kennebec, Lincoln, Oxford, Sagadahoc, Somerset, or York County, you’re eligible to be part of OTIS FCU – and we’d love to have you join our community.