Personal Loans

Along for your journey, every step of the way.

Whether you’re planning your dream wedding or a much-needed vacation, are hoping to consolidate debt, or need to finance a large or unexpected expense, we are here for you with our affordable and versatile Personal Loans.

We can help you finance:

  • Debt consolidation
  • Home remodeling and improvements
  • Auto or home repairs
  • Appliance purchases
  • Weddings
  • Education expenses
  • Travel
  • Moving expenses
  • Adoption expenses
  • and more!

We also offer affordable Energy Loans and Share Secured Loans to fit your unique needs. Conveniently apply online today.

Energy Loans

Learn more

Share Secured Loans

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Personal Loan
as low as


Effective 5/1/2023

Single Loan Payment
as low as


Effective 5/1/2023

Share Secured Loan
as low as


Effective 5/1/2023

Draft-a-matic Loan
as low as


Effective 5/1/2023

(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 first day of May and November.

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 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.