Kids cutting out Christmas cookies

Holiday Dough, For Less!

Don't get burned by your high-interest credit cards this Christmas. Instead, enjoy stress-free seasonal cheer with our NEW Holiday Loan Special! Finance up to $1,500 for up to a 12-month term. Special rates stating at just 5.00% APR*. It's a "smart cookie" way to pay!

5.00% APR* Energy Loans!

Want to lock in a great rate on heating oil this year? Interested in installing a heat pump, or in replacing your windows and doors for maximum energy efficiency? Need a new furnace? We can help. Our Energy Loans just became even more affordable, at only 5.00% APR* October 1st through November 30th!

Mom and young children play outside

Refinance Your Mortgage!

Local service from local people: here, you're always among neighbors who understand you and your needs. Bring your mortgage to a place that feels like home. Rates start at just 2.50% APR*. Start saving today!

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!

Bring Your Dreams Home!

You've achieved the American Dream of owning your own home. Now, your home can help you to turn life's other dreams into realities. Bring your dreams home with a Home Equity Line of Credit today.

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*

Home Equity Loans

as low as
% APR*

Energy Loans

% 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, 2020, we returned $520,678.73 to our borrowers and savers in the form of a Bonus Dividend and Loan Interest Refund, and since the year 2004, OTIS has returned $5,143,654 to our members via this annual practice. After all, our members aren't merely customers: they are owners. Don't just deposit your money--own it at OTIS Federal Credit Union.

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.