Personal Loans

Along for your journey, every step of the way.

Whether you’re planning your dream wedding or a much-needed vacation, are hoping to consolidate debt, or need to finance a large or unexpected expense, we are here for you with our affordable and versatile Personal Loans.

We can help you finance:

  • Debt consolidation
  • Home remodeling and improvements
  • Auto or home repairs
  • Appliance purchases
  • Weddings
  • Education expenses
  • Travel
  • Moving expenses
  • Adoption expenses
  • and more!

We also offer affordable Energy Loans, Share Secured Loans, and Freedom Lines of Credit to fit your unique needs. Conveniently apply online today.

Energy Loans

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Share Secured Loans

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Freedom Line of Credit

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Personal Loan
as low as

8.75%

APR
Effective 12/8/2023

Single Loan Payment
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

(APR) Annual Percentage Rate

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. We look forward to meeting you!