Become a Member

Come discover "the Credit Union Difference" at OTIS FCU!

Become a Member


At OTIS Federal Credit Union, you’re so much more than a customer. When you open a share account with us, you become not only a member but a part owner of the Credit Union. As a shareholder, you are entitled to vote in electing our Board of Directors, members of both OTIS and of our communities who are committed to serving the interests of those who call our area “home”. We don’t answer to faceless investors—we are accountable only to our members. And no matter the size of your bank account, we believe that your voice should be heard. Every member counts.

We know that our members are really what make us so special—they make us who we are. For over sixty years, OTIS FCU has been committed to serving the unique needs of our members and to helping their financial dreams become realities. We care about your success, because your success is our success! Through good times and bad, we are here for our members. After all, that’s what being a good neighbor is all about.

Accountability, transparency, independence, cooperation, equitability, service to others, and personal character—these are the things that most matter, to you, and to us. These are the values that credit unions like ours were founded upon and continue to proudly represent.

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. And 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, regardless of 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.

Even if you are currently banking with another institution, making the switch may be easier than you think. To open your Share account, simply stop by our office at 170 Main Street in Jay, Maine at your convenience. Your first deposit of $25 establishes you as a shareholder. Be sure to bring along a valid, unexpired photo ID, such as a driver’s license, passport, or Maine State ID, as well as proof of your current physical address.


NOTE: If the address listed on your photo ID differs from your current one (or if your unexpired photo ID has your address listed as a P.O. Box), please bring along a document showing your current physical address, such as a current cable bill, electric bill, or pay stub.