Energy Loans
Energy Loan Special: Only 5.00% APR*!
A warmer home – a cooler price. OTIS Energy Loans are just 5.00% APR* for ALL borrowers through November 27.
*APR = Annual Percentage Rate. Promotional rate runs from September 14-November 27, 2026. Offer is subject to change without notice. Term may vary. Credit approval required. Member eligibility required. Federally Insured by NCUA. Equal Housing Lender.
Want to lock in a great rate by pre-purchasing your heating oil? Would new doors, windows, or siding boost your home’s energy efficiency? Have you been thinking about supplementing your home heating this winter with a new wood or pellet stove? OTIS can help!
We now offer Energy Loans to our members at competitive rates year-round, which can be used to purchase fuel, oil furnaces, windows, siding with weather wrap, wood or pellet stoves, wood or pellet furnaces, new interior and/or exterior doors, heat pumps, solar panels, and geothermal heating systems.
Loan terms and interest rates vary depending on credit score.
Benefits of an Energy Loan
- Make home energy expenses and improvements more affordable.
- Help you to save money by boosting your home’s energy efficiency and subsequently reducing your utility bills.
- Enhance the comfort of your home.
- Increase the value of your home via energy-related upgrades.
