Person surveying paint samples and floor plans

Get a Free Appraisal!

With home values on the rise, and with spring underway, it's a great time to put your home's equity to work for you! Complete your application for either a Fixed Rate Home Equity Loan or a Home Equity Line of Credit between today and May 25th, and you will receive your appraisal for FREE!

Current Rates

All rates and yields subject to change without notice.

Auto Loans

as low as
2.00
% APR

Home Equity Loans

as low as
2.75
% APR

HELOCs

as low as
4.75
% APR

Certificates

up to
2.53
% APY

OTIS FCU: Your Financial Solutions Partner

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

First-Time Auto Buyers

Little or no credit? No problem. Let our First-Time Auto Buyer program put you in the driver’s seat of your very own vehicle.

Recreational Vehicle Loans

Work hard, play hard! Finance 100% of the purchase price or NADA retail value of a new or used off-road vehicle.

OTIS VISA® Credit Cards

Choose from two cards with competitive rates and no balance transfer fees, annual fees, or cash advance fees.

Grow with OTIS FCU

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 2016, we gave back nearly $350,000 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 $4 million to our members. After all, our 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 Federal Credit Union. Immediate family members, regardless of geographic location, are also eligible for membership.