LIMITED TIME OFFER: Let us "BEEP" or MATCH your Auto Loan interest rate, with APRs* no higher than 5.90%. Get a FREE YETI Rambler Mug just for applying! Why not spend with a card that can land you in the sand this holiday season? Don't have a Maine Rewards Visa? Apply online today! Trade the stress of fluctuating energy bills for a consistent, manageable payment over the life of your OTIS Energy Loan.
Never be stuck with a large heating bill that busts your budget this winter. Easily apply online today! No matter where you are on your journey, or where you hope to go, we're here for you with financial solutions for every age and stage in life. Enjoy no monthly service charges, no minimum balance requirements, Shared Branch banking, and much more.
Never be stuck with a large heating bill that busts your budget this winter. Easily apply online today! No matter where you are on your journey, or where you hope to go, we're here for you with financial solutions for every age and stage in life. Enjoy no monthly service charges, no minimum balance requirements, Shared Branch banking, and much more.
Services
OTIS Federal Credit Union was founded in April of 1954 by eleven mill workers who wanted to make a difference in the lives of local people. Pooling their respective deposits of $5 each, they associated themselves as charter members of OTIS under the provision of the Federal Credit Union Act.
At a time in America when obtaining a loan was difficult for the average family, the founders of OTIS sought to form a cooperative, independent financial institution operated and controlled solely by its local membership.
At a time in America when obtaining a loan was difficult for the average family, the founders of OTIS sought to form a cooperative, independent financial institution operated and controlled solely by its local membership.
Individual pages have been set up with detailed information about many of our different products and services under the "Member Services" drop-down menu. Other products and services available to members are listed below. Don't want to wrap your coins? No problem. We have a coin counting machine available in our lobby to both members and non-members, with an applicable service fee of 5% and 10%, respectively.
When you join OTIS Federal Credit Union, you're so much more than just another account number - you're a part-owner. When you open your Savings Account with us, you become not only a member, but a shareholder of the Credit Union. We don't answer to faceless investors-we are accountable only to our members.
Above Real Estate Rates are subject to change without notice. No finance charge fees apply. 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.
PLEASE NOTE: We are currently experiencing card activation issues with OTIS Talk. For immediate assistance, please call us at (207) 897-0900 and press 0 for our Card Services Department. If you are activating or have recently activated your debit card you received in the mail, please retain your old card until your new card is fully activated.
Reviews (7)
Marsha Shink
Feb 23, 2021
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Nathan Davis
Jan 27, 2021
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I have edited my (previously negative) review as a result of the positive response I received from OTIS. The response was informative and clearly not canned, and I appreciate that very much. Listening to customer feedback and actually responding is in my book, a hallmark of an excellent organization.
I believe it was an honest misunderstanding and I would again consider moving my business to them.
I believe it was an honest misunderstanding and I would again consider moving my business to them.
Mark Smith
Aug 26, 2020
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My favorite bank of all time. They've helped my wife and u numerous times when we felt we were beyond help. I've never dealt with any bank and felt like part of a family I've laughed when I've seen it advertised on other banking sites. Kaitlyn has been so good at helping us but I find that any one of the employees working there will respond quickly and efficiently and make you feel so comfortable. I highly recommend this place for any and all your financial needs. Good, honest down home style people and service with a smile. 5 stars is not enough
Kimberley Gordon
Aug 10, 2019
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My mom banked there since the 1980's. In the last month and a half of her life, she was horribly taken advantage of by a family member after her money and possessions. The opportunistic family member took her to this bank to have her signature witnessed as they took over her account and had her sign papers making them executor of her estate (a cheesy document printed off the internet). The Otis FCU employees were more than happy to serve as witnesses even though my mother couldn't legibly sign her name as she was medically compromised and not of sound mind. Over 30 years of doing business there
Postol Front
Jan 06, 2019
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I own my own home and I'm retired on disability. I contacted them to open 2 accounts and a small loan. They told me we needed $25 a piece for an account, and based upon our income, we qualified for a $3000 loan. So I drove the 30 minutes it takes to see them, and the first thing out of every person's mouth was, "And where do you work?" And when I went in to see a clerk in her office about this, I was told I didn't "QUALIFY" for an account there, because I didn't live or work in the right town, or have a family member who was a member of the Country Club, er, I mean the credit union! Then the lady
Luchador Tacos Maine
Aug 28, 2018
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Ordered flooring. Bank’s fraud department cancelled order that we were waiting a month for. Called us to verify it was us and we confirmed yet they still denied it. I don’t put my money in your bank to not use it. Now we are another month out on getting our floor all because of your incompetence. Horrible bank.
Megan Norris
Jun 26, 2016
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