OTIS Federal Credit Union

As a cooperative, not-for-profit financial institution, we are able to offer lower rates on loans, higher dividend rates on your accounts, fewer fees, and more flexible and personalized financial services to our members than our larger, for-profit competitors. That means more of your hard-earned money stays in your pocket, and in our community. On January 1, 2025, we returned $1,071,959.30 to our savers and borrowers with our 20th Annual Bonus Dividend and Loan Interest Refund. After all, OTIS members aren't merely customers--they are owners. 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.