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 your dream wedding; maybe debt consolidation would give you that fresh start that you're looking for; maybe you're unexpectedly in need of automobile repairs, or find yourself having to finance other major purchases or expenses. Whatever the case, we are here for you with our Personal Loans. 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
Caitlin LakeLoan 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 8.00% APR

Effective 11/9/2018

Single Payment Loan

up to 1 year as low as 16.20% APR

Effective 11/9/2018

Shared Secured Loan

1-6 years as low as 3.50% APR

Effective 11/9/2018

Draft-a-matic Loan

Variable Rate 10.25% APR

Effective 11/1/2018

(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!