VISA ® Credit Cards

Serviced entirely in-house for the ultimate in convenience!

VISA ® Credit Cards


Choose from two cards with competitive rates and no balance transfer fees, annual fees, or cash advance fees. Once approved, we can issue your new Credit Card instantly.*


Share Secured Credit Cards Available!

If you’re trying to overcome a less-than-perfect credit score or working to a build better credit history, we can help. Our share secured VISA Credit Cards give you the opportunity to establish good credit with the convenience and added benefits of an OTIS Great Rate or Maine Rewards VISA Credit Card. They can be used anywhere that VISA Credit Cards are accepted.

A share secured credit card is backed by a cash deposit equal to your available credit limit. When you use a share secured credit card responsibly over time, you can successfully build or improve your credit enough to then qualify for an unsecured card or a loan. Ask a Loan Officer today for more details!


Maine Rewards VISA ® Credit Card

11.49% Annual Percentage Rate (APR) on Purchases, Cash Advances and Balance Transfers

Apply Now

  • Earn Points for Every Purchase*
  • Earn Double Points for Purchases in Maine*
  • No Annual Fee
  • No Balance Transfer Fee
  • No Cash Advance Fee
  • Disability and Credit Life Insurance Available to You for a Low Monthly Premium
  • Serviced Locally
  • Free Online Access with OTIS ONLINE
  • Maine Rewards Points earned can be redeemed easily through OTIS ONLINE or by visiting https://2023.extraawards.com/. Earn gift cards, travel, or even cash deposited to your OTIS Share account!

OTIS VISA ® Great Rate Credit Card

Low 9.9% Annual Percentage Rate (APR) on Purchases, Cash Advances and Balance Transfers

Apply Now

  • No Annual Fee
  • No Balance Transfer Fee
  • No Cash Advance Fee
  • Disability and Credit Life Insurance Available to You for a Low Monthly Premium
  • Serviced Locally
  • Free Online Access with OTIS Online

Travel To Foreign Countries

Many foreign country transactions are blocked from using our VISA debit and credit cards.

Before you travel, please notify OTIS Federal Credit Union if traveling to foreign countries.

In some cases we may be able to unblock your card(s) to allow transactions outside the U.S.


*(Instant Issue is not available after 4:30 pm Monday through Friday).


 

 Kariss RichardsLoan OfficerExtension 128
Jamie TurcotteLoan OfficerExtension 124
Caitlin LakeLoan OfficerExtension 108
Darice DubreuilVP of LendingExtension 118