Loans and Visa Credit Cards

Have more for what matters to you with our low-cost financing.

We know that you work hard for your money, and we make it our mission to make your money go further for you.

That’s why borrowing with us is simple, fast, and most importantly of all: affordable. We’re here for you every step of the way, wherever your journey leads you.

Auto Loans

Whether you’re looking to buy a new (or new-to-you!) vehicle, or are interested in refinancing a current auto loan, we have you covered.

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Recreational Vehicles

You work hard every day. You deserve to play hard, too. Our low loan rates and flexible terms to fit your budget make the Recreational Vehicle of your dreams affordable and attainable.

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Personal Loans

Whether you need to cover an unexpected expense, want to make some home improvements, or are planning your dream wedding or vacation, we’re here for you.

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Visa Credit Cards

Choose from two Visa credit cards with low rates and zero balance transfer fees, annual fees, or cash advance fees. Once approved, we can issue your new credit card instantly.

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Home Equity Loans and Lines of Credit

You’ve worked hard to build the equity in your home. At OTIS, we believe that your equity should work just as hard for you.

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Freedom Line of Credit

With this personal line of credit, you can easily borrow what you need when you need it, with no fees or minimum withdrawals!

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Low rates, flexible terms, and friendly local service

Apply for an Auto Loan from anywhere, at any time with our online application.

How can OTIS work for you?

If you live, work, worship, or attend school in Androscoggin, Cumberland, Franklin, Kennebec, Lincoln, Oxford, Sagadahoc, Somerset, or York County, you’re eligible to be part of OTIS FCU – and we’d love to have you join our community.