Personal Loans

OTIS FCU: Along for your journey!

Personal Loans

We know that life is full of opportunities and surprises and that sometimes you need a little bit of extra help to get to where you need or want to be. Maybe you're planning the vacation of a lifetime or furnishing your new home; maybe debt consolidation would give you that fresh start that you're looking for; maybe you're unexpectedly in need of automobile or home repairs, or find yourself having to finance other major purchases or expenses. Whatever the case, we are here for you! Let's see what we can do, together.

Loan terms and interest rates vary depending on credit score. Refinancing from other financial institutions available.

Apply online 24/7, 365 days a year!  One of our loan officers will review your request and promptly contact you. You may also stop in or call one of our loan officers Monday through Friday at 897-0900 for more information.

 Kariss RichardsLoan OfficerExtension 128
Jamie TurcotteLoan OfficerExtension 124
Pam BuoteLoan OfficerExtension 108
Darice DubreuilVP of LendingExtension 118

Please note: If you apply during non-business hours, we will contact you the next business day.

Personal Loan

1-5 years as low as 7.50% APR


Single Payment Loan

up to 1 year as low as 15.70% APR


Shared Secured Loan

1-6 years as low as 3.00% APR


Draft-a-matic Loan

Variable Rate 9.25% APR

(APR) Annual Percentage Rate
** The annual percentage rate (APR) is based on the Wall Street Journal Prime Rate plus 5%. The APR will change semi annually on the 1st day of May and November.

Apply for a Loan

Apply 24 /7, 365 days a year!

"The Credit Union is likely to have the most favorable rates. They are a wealth of honest information--they are there to serve your needs, not to make money off of you. They have deep roots in the community, so your investments there are good for your neighbors."

Tina R., OTIS Member