Otis Credit Union

Jay, Maine
Last verified: August 4, 2026
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Verified rate book

Current Otis Credit Union rates

96 published offers verified as of August 4, 2026.

How we verify rates

Mortgage rates

3 offers
Otis Credit Union mortgage rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
30-Year Fixed30 year fixed6.350% APR6.350%—Standard
15-Year Fixed15 year fixed6.000% APR6.000%—Standard
20-Year Fixed20 year fixed6.250% APR6.250%—Standard

Auto & vehicle rates

28 offers
Otis Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Auto Loan Promotional Rates (1 year as low as)auto_any_12mo3.150% APR3.150%12 moStandard
Auto Loan Promotional Rates (2 years as low as)auto_any_24mo3.200% APR3.200%24 moStandard
Auto Loan Promotional Rates (3 years as low as)auto_any_36mo3.250% APR3.250%36 moStandard
Recreational Vehicle Loan Promotional Rates (3 years as low as)rv_any_36mo3.650% APR3.650%36 moStandard
Auto Loan Promotional Rates (4 years as low as)auto_any_48mo3.650% APR3.650%48 moStandard
Auto Loan Promotional Rates (5 years as low as)auto_any_60mo3.950% APR3.950%60 moStandard
Recreational Vehicle Loan Promotional Rates (4 years as low as)rv_any_48mo4.050% APR4.050%48 moStandard
Auto Loan Rates (1 year as low as)auto_any_12mo4.150% APR4.150%12 moStandard
Auto Loan Rates (2 years as low as)auto_any_24mo4.200% APR4.200%24 moStandard
Auto Loan Rates (3 years as low as)auto_any_36mo4.250% APR4.250%36 moStandard
Auto Loan Promotional Rates (6 years as low as)auto_any_72mo4.300% APR4.300%72 moStandard
Recreational Vehicle Loan Promotional Rates (5 years as low as)rv_any_60mo4.350% APR4.350%60 moStandard
Recreational Vehicle Loan Rates (3 years as low as)rv_any_36mo4.650% APR4.650%36 moStandard
Auto Loan Rates (4 years as low as)auto_any_48mo4.650% APR4.650%48 moStandard
Recreational Vehicle Loan Promotional Rates (6 years as low as)rv_any_72mo4.700% APR4.700%72 moStandard
Auto Loan Promotional Rates (7 years as low as)auto_any_84mo4.850% APR4.850%84 moStandard
Auto Loan Rates (5 years as low as)auto_any_60mo4.950% APR4.950%60 moStandard
Recreational Vehicle Loan Rates (4 years as low as)rv_any_48mo5.050% APR5.050%48 moStandard
Recreational Vehicle Loan Promotional Rates (7 years as low as)rv_any_84mo5.250% APR5.250%84 moStandard
Auto Loan Rates (6 years as low as)auto_any_72mo5.300% APR5.300%72 moStandard
Recreational Vehicle Loan Rates (5 years as low as)rv_any_60mo5.350% APR5.350%60 moStandard
Recreational Vehicle Loan Rates (6 years as low as)rv_any_72mo5.700% APR5.700%72 moStandard
Auto Loan Rates (7 years as low as)auto_any_84mo5.850% APR5.850%84 moStandard
Recreational Vehicle Loan Rates (7 years as low as)rv_any_84mo6.250% APR6.250%84 moStandard
Recreational Vehicle Loan Promotional Rates (8-10 years as low as)rv_any_120mo6.550% APR6.550%120 moStandard
Recreational Vehicle Loan Promotional Rates (11-15 years as low as)rv_any_180mo7.100% APR7.100%180 moStandard
Recreational Vehicle Loan Rates (8-10 years as low as)rv_any_120mo7.550% APR7.550%120 moStandard
Recreational Vehicle Loan Rates (11-15 years as low as)rv_any_180mo8.100% APR8.100%180 moStandard

HELOC rates

12 offers
Otis Credit Union heloc rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Real Estate Loan (Refinance or Second Mortgage)heloc_fixed5.500% APR5.500%—Standard
Real Estate Loan Rates (Refinance or Second Mortgage) (1-5 years as low as)heloc_fixed5.500% APR5.500%—Standard
Home Equity Loan (Fixed)heloc_fixed5.500% APR5.500%—Standard
Fixed Rate Home Equity Loan (1-5 years)heloc_fixed5.500% APR5.500%—Standard
Real Estate Loan Rates (Refinance or Second Mortgage) (6-10 years as low as)heloc_fixed5.750% APR5.750%—Standard
Fixed Rate Home Equity Loan (6-10 years)heloc_fixed5.750% APR5.750%—Standard
Fixed Rate Home Equity Loan (11-15 years)heloc_fixed6.000% APR6.000%—Standard
Real Estate Loan Rates (Refinance or Second Mortgage) (11-15 years as low as)heloc_fixed6.000% APR6.000%—Standard
Fixed Rate Home Equity Loan (16-20 years)heloc_fixed6.250% APR6.250%—Standard
Real Estate Loan Rates (Refinance or Second Mortgage) (16-20 years as low as)heloc_fixed6.250% APR6.250%—Standard
HELOC (Variable)heloc_variable6.750% APR6.750%—Standard
Real Estate Loan Rates (Refinance or Second Mortgage) (Variable Rate as low as)heloc_variable6.750% APR6.750%—Standard

Personal loan rates

7 offers
Otis Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Share Secured Loan as low aspersonal_secured3.500% APR3.500%—Standard
Freedom Line of Credit (Share Secured Loan as low as)ploc_variable3.500% APR3.500%—Standard
Personal Loan as low aspersonal_unsecured8.750% APR8.750%—Standard
Freedom Line of Credit (Personal Loan as low as)ploc_variable8.750% APR8.750%—Standard
Freedom Line of Credit (Freedom Line of Credit as low as)ploc_variable9.750% APR9.750%—Standard
Freedom Line of Credit (Single Loan Payment as low as)ploc_variable16.200% APR16.200%—Standard
Single Payment Loanpersonal16.200% APR16.200%—Standard

Credit card rates

1 offer
Otis Credit Union credit card rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Great Rate Visacredit_card9.900% APR9.900%—Standard

Savings & CD rates

27 offers
Otis Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Coverdell Educational IRA Shareira0.05% APY0.05%—Standard
Coindexter Club (Youth Savings - Under 13 years of age)savings0.05% APY0.05%—Eligibility restricted
Money Management Tier 1savings0.05% APY0.05%—Standard
Tier 2savings0.85% APY0.85%—Standard
Health Savings Tier 2savings0.85% APY0.85%—Standard
Tier 3savings1.04% APY1.04%—Standard
Health Savings Tier 3savings1.05% APY1.04%—Standard
Money Management Tier 2savings2.50% APY2.47%—Standard
Money Management Tier 3savings2.75% APY2.72%—Standard
IRA & Roth IRA Fixed Rate Certificates (6 Months)ira_cd_6mo3.69% APY3.69%6 moStandard
6-Month Certificatecd_6mo3.69% APY3.69%6 moStandard
IRA & Roth IRA Fixed Rate Certificateira_cd_6mo3.75% APY3.69%6 moStandard
12-Month Certificatecd_12mo3.78% APY3.78%12 moStandard
IRA & Roth IRA Fixed Rate Certificates (12 Months)ira_cd_12mo3.78% APY3.78%12 moStandard
24-Month Certificatecd_24mo3.83% APY3.83%24 moStandard
IRA & Roth IRA Fixed Rate Certificates (24 Months)ira_cd_24mo3.83% APY3.83%24 moStandard
IRA & Roth IRA Fixed Rate Certificateira_cd_12mo3.85% APY3.78%12 moStandard
IRA & Roth IRA Fixed Rate Certificates (36 Months)ira_cd_36mo3.88% APY3.88%36 moStandard
36-Month Certificatecd_36mo3.88% APY3.88%36 moStandard
IRA & Roth IRA Fixed Rate Certificateira_cd_24mo3.90% APY3.83%24 moStandard
48-Month Certificatecd_48mo3.93% APY3.93%48 moStandard
IRA & Roth IRA Fixed Rate Certificates (48 Months)ira_cd_48mo3.93% APY3.93%48 moStandard
IRA & Roth IRA Fixed Rate Certificateira_cd_36mo3.95% APY3.88%36 moStandard
IRA & Roth IRA Fixed Rate Certificates (60 Months)ira_cd_60mo3.98% APY3.98%60 moStandard
60-Month Certificatecd_60mo3.98% APY3.98%60 moStandard
IRA & Roth IRA Fixed Rate Certificateira_cd_48mo4.00% APY3.93%48 moStandard
IRA & Roth IRA Fixed Rate Certificateira_cd_60mo4.05% APY3.98%60 moStandard

Other rates

18 offers
Otis Credit Union other rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
4 Years As Low Asother5.050% %5.050%—Standard
5 Years As Low Asother5.350% %5.350%—Standard
1-5 Years As Low Asother5.500% %5.500%—Standard
6 Years As Low Asother5.700% %5.700%—Standard
6-10 Years As Low Asother5.750% %5.750%—Standard
Real Estate Loan Rates (15 years as low as)other6.000% %6.000%—Standard
15 Years As Low Asother6.000% %6.000%—Standard
CUSO Real Estate Ratesother6.000% %6.000%—Standard
11-15 Years As Low Asother6.000% %6.000%—Standard
20 Years As Low Asother6.250% %6.250%—Standard
7 Years As Low Asother6.250% %6.250%—Standard
Real Estate Loan Rates (20 years as low as)other6.250% %6.250%—Standard
16-20 Years As Low Asother6.250% %6.250%—Standard
Real Estate Loan Rates (30 years as low as)other6.350% %6.350%—Standard
30 Years As Low Asother6.350% %6.350%—Standard
Variable Rate as low asother6.750% %6.750%—Standard
8-10 Years As Low Asother7.550% %7.550%—Standard
Single Loan Payment as low asother16.200% %16.200%—Standard

As of August 4, 2026, Otis Credit Union offers a 30-year fixed mortgage at 6.35% APR. Vehicle loans available from 3.15% APR for 12 months. HELOC rates from 5.5% APR. Personal loan rates from 3.5% APR. Credit card rates from 9.9% APR. Savings and certificate yields up to 4.05% APY.

Source: RateAPI.dev, verified from Otis Credit Union's official website

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About Otis Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
12.5K
Assets
$296.3M
Founded
1954
Locations reported
1
NCUA charter
9349
Charter type
Federal credit union

Services and member support

  • Online membership application
  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile check deposit
  • Mobile payments
  • Financial education
  • Student scholarships

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

Franklin-SomersetFarmington · FARMINGTON · ME · 04938About 11.1 miles awayUniversityFarmington · Farmington · ME · 04938-1930About 11.1 miles awayOxfordMAIN OFFICE · MEXICO · ME · 04257About 14.6 miles awayK VOakland Branch · Oakland · ME · 04963-5013About 16.3 miles awayCommunityCCU Turner Branch · Turner · ME · 04282About 17.4 miles awayWinthrop AreaMAIN OFFICE · WINTHROP · ME · 04364About 18.5 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join Otis Credit Union

Membership eligibility from Otis Credit Union's own published criteria. How we verify this.

Community charter: live/work in Androscoggin, Cumberland, Franklin +6 more

  • LocationAndroscoggin, Cumberland, Franklin, Kennebec, Lincoln, Oxford, Sagadahoc, Somerset, York

Cost to join: About $25.

Verified from Otis Credit Union's membership page. Final membership determination is always made by the credit union.

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Frequently Asked Questions

What rates does Otis Credit Union offer?

Otis Credit Union currently offers mortgage, vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are Otis Credit Union rates updated?

RateAPI verifies Otis Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.

Where does RateAPI get Otis Credit Union's rate data?

Rate data is collected directly from Otis Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Otis Credit Union's mortgage rate?

As of August 4, 2026, Otis Credit Union offers a 30-year fixed mortgage at 6.35% APR.

What are Otis Credit Union's auto & rv loan rates?

As of August 4, 2026, Otis Credit Union offers vehicle loans from 3.15% APR.

What is Otis Credit Union's HELOC rate?

As of August 4, 2026, Otis Credit Union offers home equity lines of credit from 5.5% APR.

What is Otis Credit Union's personal loan rate?

As of August 4, 2026, Otis Credit Union offers personal loans from 3.5% APR.

What is Otis Credit Union's best CD rate?

As of August 4, 2026, Otis Credit Union offers savings and certificate (CD) yields up to 4.05% APY.

Related Rate Data

Compare Otis Credit Union's rates against national credit-union benchmarks.

More Maine credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal loan ratesCredit card ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

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