Loan Rates

Auto Loans

Auto Loan Rates

Cars, Trucks & SUVs
Rates effective 1/22/2024
Loan TermAnnual Percentage RateLoan Calculator
1 year as low as4.80% APRCalculate Your Payment
2 years as low as4.85% APRCalculate Your Payment
3 years as low as4.90% APRCalculate Your Payment
4 years as low as5.30% APRCalculate Your Payment
5 years as low as5.60% APRCalculate Your Payment
6 years as low as5.95% APRCalculate Your Payment

Recreational Vehicle Loans

Recreational Vehicle Loan Rates

Boats, Campers, Motorcycles, 4 Wheelers, Snowmobiles & Motor Homes
Rates effective 1/22/2024
Loan TermAnnual Percentage RateLoan Calculator
3 years as low as5.30% APRCalculate Your Payment
4 years as low as5.70% APRCalculate Your Payment
5 years as low as6.00% APRCalculate Your Payment
6 years as low as6.35% APRCalculate Your Payment
7 years as low as6.90% APRCalculate Your Payment
8-10 years as low as8.20% APRCalculate Your Payment
11-15 years as low as8.75% APRCalculate Your Payment

Home Equity Rates

Home Equity Rates

Real Estate Loan Rates (Refinance or Second Mortgage)


Secured by Real Estate
Rates effective 1/22/2024
Loan TermAnnual Percentage RateSample Payments per $10,000 borrowed
1-5 years as low as6.00% APR*$193.31 for 60 months
6-10 years as low as6.25% APR*$112.28 for 120 months
11-15 years as low as6.50% APR*$87.12 for 180 months
16-20 years as low as6.75% APR*$76.05 for 240 months

Home Equity Line of Credit


Rates effective 8/1/2023
Variable Rate as low as8.50% APR**Minimum payment: $100 or 1.50% of balance after latest advance, whichever is greater.

 An appraisal may be required at a cost of $400. Additional fees include a title search, flood determination, and recording of the deed. The estimated total charges amount to approximately $1,000.

*(APR) Annual Percentage Rate. Above Real Estate Rates are subject to change without notice. No finance charge fees apply.
** Annual Percentage Rate of Home Equity may vary monthly. The rate is the Wall Street Journal Prime Rate as published on the last business day of the month. The maximum annual percentage rate that may be imposed on a Home Equity Loan is 18.00% APR. No finance charge fees apply, membership eligibility required, and property insurance required. Minimum advance of $500.

Personal Loan Rates

Personal Loan

as low as

8.75%

APR
Effective 12/8/2023

Single Payment Loan

as low as

16.20%

APR
Effective 12/8/2023

Share Secured Loan

as low as

3.50%

APR
Effective 12/8/2023

Freedom Line of Credit

as low as

8.75%

APR
Effective 12/8/2023

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.