Share & IRA Certificates

Our Certificates give you the best return for your money with flexible terms.

OTIS Share and IRA Certificates allow you to earn higher dividends on your funds than you would in a typical Savings Account. Open a Share Certificate with as little as $500, and have it mature on a date of your choice with various terms from 6 to 60 months. The longer the term that you select, the higher the rate that you will earn on your funds! Take your savings strategy to the next level today.

Please note: Withdrawing your funds before the duration of the pre-selected term will result in a penalty.

Share & IRA Fixed Rate Certificates

Available TermsDividend RateAnnual Percentage YieldMinimum Required Balance
6 Months4.60%4.70%$500.00
12 Months4.89%5.00%$500.00
24 Months4.51%4.60%$500.00
36 Months3.93%4.00%$500.00
48 Months3.93%4.00%$500.00
60 Months3.93%4.00%$500.00
Rates effective 6/11/2024. All Certificate renewals are automatic. Withdrawals of dividends are allowed. Additional deposits are not allowed. Your certificate account will mature within the term set forth at the left or the maturity date set forth on your Certificate or maturity notice. The credit union will give the owner(s) at least 10 days' notice prior to maturity.
There may be a substantial penalty for the early withdrawal of the principal of a Share or IRA Certificate.

How can OTIS work for you?

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 be part of OTIS FCU – and we’d love to have you join our community.