Otis

PO Box 27, Jay, ME 04239

NCUA Insured3.6 (43 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1954

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Jay, ME may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1954

Low-Income Designated

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

PO Box 27

Jay, ME 04239

Google Maps 🗺Waze

(207) 897-0900

Service Area

This credit union is located in Jay and serves members in the ME area. Currently serving 12,370 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.30%

Used Auto Loan

6.45%

Personal Loan

9.75%

Credit Card APR

9.90%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in ME

Lowest rates currently reported by credit unions in ME (NCUA Q4 2025).

Central Maine— New Auto Loan

Lewiston, ME

4.48%

Central Maine— Used Auto Loan

Lewiston, ME

4.48%

Ancorum— Personal Loan

Bath, ME

6.00%

Atlantic Regional— Credit Card APR

South Portland, ME

2.49%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(1 total)

Member Reviews

3.6

43 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Manda Reis

6 months ago

Otis Federal Credit Union is absolutely amazing. I love how personable they are. My friends and I were trying to get a nonprofit off the ground, and they went above and beyond to support us. They put our Thanksgiving dinner announcement on their little billboard and even let us hang a flyer. Everyone there was incredibly friendly and welcoming. I couldn’t ask for a better credit union.

Sheila Campanirio

4 months ago

I went into do some changes with my banking and I was sent to Cassie and I can’t say enough about her . She was very friendly efficient and so helpful . Very pleasant young lady . I have had nothing but great experiences with Otis. I thank them all.

eric lopez

4 months ago

Im very dissapointed with them .. They locked my checking account when I fell behind on payments.. and bullied me into making a payment on the loan , to unlock my card. and now I am in jeopardy of foreclosure because I will be short the payment they made me pay .. No call or anything, they just locked all my money in my account and held it ransom until i made a payment.. I have called several times to ask for help on a defferment to be denied.. they havent worked with me or givin me any solutions even though I have been telling them for months I am in hardship .. they have gone and made it way worse because their money is more important than my home... I Cant believe they would be so non chalant about putting me out of my home. Pulling all of my direct deposit payments, and changing banking immediately . Update : Talked to Colby on the phone and I asked for a manager because he started being condescending on the phone. and he proceeded to hangup on me . I cant believe the treatment I would receive from this bank