Refinancing

Already have an Auto Loan with another financial institution or dealership? Take advantage of our low rates and flexible terms by refinancing your vehicle at OTIS FCU. Refinancing with us is always hassle-free and is available at no extra cost to you. Why not see how much you could start saving today?

Loan terms and interest rates vary depending on credit score. Add 3% to the interest rate for vehicles with over 100,000 miles.

Auto Loan Rates

Cars, Trucks & SUVs
Rates effective 11/21/2022
Loan TermAnnual Percentage RateLoan Calculator
1 year as low as 3.85% APRCalculate Your Payment
2 years as low as3.90% APRCalculate Your Payment
3 years as low as3.95% APRCalculate Your Payment
4 years as low as4.35% APRCalculate Your Payment
5 years as low as4.65% APRCalculate Your Payment
6 years as low as5.00% APRCalculate Your Payment

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.