New Auto Loans

Get behind the wheel of the new car of your dreams with our low rates!

New Auto Loans


New Auto Loans at OTIS put you in the driver's seat of your financial life with:


Our New Auto Loan rates beat banking industry averages in the state of Maine!
According to the Credit Union National Association's 2017 Membership Benefit Report for OTIS FCU, it was found that financing a $30,000 new automobile for 60 months at OTIS will save members an average of $228 per year in interest expense compared to what they would pay at a banking institution in the state of Maine. That's approximately $1,140 in savings over 5 years!(Source: Datatrac, NCUA, and CUNA)


Ready to apply? 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 Richards Loan Officer Extension 128
Jamie Turcotte Loan Officer Extension 124
Caitlin Lake Loan Officer Extension 108
Darice Dubreuil VP of Lending Extension 118

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


Already have an auto loan?

Refinancing loans from dealerships or other financial institutions is hassle-free and available at no extra cost at OTIS. Start saving today!


Go shopping with a pre-approved check!

Making a dream come true is as easy as writing a check! Shop just like a cash buyer with the convenience of an OTIS Pre-Approved Loan Draft. Either apply in person, or fill out our online loan application noting that you are seeking pre-approval. One of our loan officers will promptly get back to you with a decision--it's as easy as that!

Auto Loan Rates

Cars, Trucks & SUVs

Rates effective 8/1/2018

Loan Term Annual Percentage Rate Loan Calculator
 1 year as low as  2.25% APR  Calculate Your Payment
 2 years as low as  2.30% APR  Calculate Your Payment
3 years as low as 2.35% APR Calculate Your Payment
4 years as low as 2.75% APR Calculate Your Payment
5 years as low as 3.05% APR Calculate Your Payment
6 years as low as 3.35% APR Calculate Your Payment

Apply for a Loan

Apply 24/7, 365 days a year!

Buying a Car?

The AskAuto™ app can help.

"With the help of OTIS FCU, I was able to refinance two vehicle loans this year! For the second refinance, I was able to work with the loan department via email and through the U.S. Post to get all of the proper paperwork submitted. This meant that I did not have to take time off from work to get the refinance completed! 

-Renee L., OTIS Member