When you bank with OTIS, you can bank on OTIS.
Whether you’re opening your first account, getting married, or ready to retire, OTIS has the financial products and services that you need – and the competitive rates you’re looking for. Join OTIS FCU today and experience the OTIS Advantage!
Use Your Home’s Equity to Achieve Your Dreams!
Through May 31st, open a Fixed Rate Home Equity Loan or Home Equity Line of Credit (HELOC) and enjoy ZERO closing costs!
Disclosure
Promotion effective March 30, 2026–May 31, 2026. Loans paid off and closed within 24 months from the loan origination date will require reimbursement of all closing costs originally paid by OTIS FCU. Closing cost amounts vary (e.g., for loans up to $250,000, closing costs may range from $800-$1000). Rate is determined by your personal creditworthiness. No finance charge fees apply. Membership and property insurance required. $25.00 minimum deposit required for new membership. Fixed Rate: Rate as low as 5.50% APR (Annual Percentage Rate) for 60 months and is subject to change without notice. Payment and interest rates for Fixed Rate Home Equity Loans will not change throughout the term of the loan. Line of Credit: Variable rate as low as 6.75% APR and may vary monthly; the rate is based on the Wall Street Journal Prime Rate as published on the last business day of the month. Maximum rate that may be imposed is 18.00% APR. Minimum payment: $100 or 1.50% of balance after latest advance, whichever is greater. Minimum advance of $500. Federally Insured by NCUA. Equal Housing Lender.
Need a Credit Card?
We offer two Credit Card options at competitive rates and with NO annual fees, cash advance fees, or balance transfer fees!
Great Rate Visa
LOW rate of 9.9% APR!
OTIS Rewards Visa
Earn points with every purchase!
What our members are saying
My family's been banking here forever. I have had an account here for most of my life. I really love the community atmosphere and how much you can be involved in the running of the credit union.
Joseph C.In these trying times their low credit card rates and bottom-line financing cost are unmatched in my opinion. Thank you, OTIS FCU and your entire team, for making sure our investments and savings are in great hands. I look forward to many more years working with you!
Linwood D.What do I love about OTIS? Everything! Their online banking, online loan applications, friendly and helpful staff, and the ability to keep them as our banking institution even though we live almost 100 miles away! We are members for LIFE!
Susan B.I have nothing but positive and great things to say about the service and staff that are there to help us at OTIS FCU. … Thank you, Kristy S., for your guidance and expertise help.
Elaine R.OTIS has always done well by me. When I had my heart surgery, they helped me catch up on my payments and worked with me. They are a really good financial institution to work with.
Calvin C.I have been with OTIS for about 20 years and have never had a bad experience. The OTIS team is fantastic and has always helped me efficiently and promptly. I have started my toddlers accounts with them because I know that OTIS is all about family.
Dylan S.The personal and friendly service is the best part about being a member of OTIS FCU. It's great to bank at a place where you know the people that work there and trust that they will help you in any way that they can. OTIS FCU is MY credit union.
Andrea R.As a soldier who has lived all around the world, I love being a member of OTIS FCU because they care and take care of me. It's truly like being a member of a banking family. OTIS FCU will continue to get my business no matter where I live.
Michael M.
We’re here for you.
In the neighborhood? Stop in 9 AM to 5 PM, Monday through Friday. We’re committed to service with a smile!
Applying for a loan? To ensure you are helped in a timely manner during our renovation, please call to schedule an appointment with our lending team, or conveniently apply online!
