Loans and Visa Credit Cards
Have more for what matters to you with our low-cost financing.
We know that you work hard for your money, and we make it our mission to make your money go further for you.
That’s why borrowing with us is simple, fast, and most importantly of all: affordable. We’re here for you every step of the way, wherever your journey leads you.
Auto Loans
Whether you’re looking to buy a new (or new-to-you!) vehicle, or are interested in refinancing a current auto loan, we have you covered.
Recreational Vehicles
You work hard every day. You deserve to play hard, too. Our low loan rates and flexible terms to fit your budget make the Recreational Vehicle of your dreams affordable and attainable.
Personal Loans
Whether you need to cover an unexpected expense, want to make some home improvements, or are planning your dream wedding or vacation, we’re here for you.
Visa Credit Cards
Choose from two Visa credit cards with low rates and zero balance transfer fees, annual fees, or cash advance fees. Once approved, we can issue your new credit card instantly.
Join Us & Experience the OTIS Advantage
If you live, work, worship, or attend school in Androscoggin, Cumberland, Franklin, Kennebec, Lincoln, Oxford, Sagadahoc, Somerset, or York County, you are eligible to become a member of OTIS FCU.
Immediate family members, regardless of geographic location, are also eligible for membership. We look forward to meeting you!