Credit union · NCUA insured
OTIS Federal Credit Union CD Rates
Top CarrotOTIS Federal Credit Union’s best CD rate is 4.25% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How OTIS Federal Credit Union’s CD rates compare
Compared with banks and credit unions in Maine, where OTIS Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
OTIS Federal Credit Union
4.25%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $2,313
Share Certificates
Top rate
Northeast Bank
4.55%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $455
2nd-highest rate
Machias Savings Bank
4.50%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,412
OTIS Federal Credit Union CD score
91
CD score
Higher than 92% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.05%
- 16–30 months16–30 mo4.10%
- 31–60 months31–60 mo4.25%
- QualifiedQualified4.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where OTIS Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 4.25%APY · 6 terms
Open with as little as $500. Automatic renewal at maturity with 10-day grace period. Additional deposits not allowed; withdrawal of dividends allowed. Early withdrawal of principal subject to penalty. Membership eligibility requires living, working, worshiping, or attending school in specified Maine counties, or immediate family.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty of 120 days dividends for maturities up to 1 year | 4.00% | $198 |
| 12 monthsEarly withdrawal penalty of 120 days dividends for maturities up to 1 year | 4.05% | $405 |
| 24 monthsEarly withdrawal penalty of 180 days dividends for maturities of 1 to 3 years | 4.10% | $837 |
| 36 monthsEarly withdrawal penalty of 180 days dividends for maturities of 1 to 3 years | 4.15% | $1,297 |
| 48 monthsEarly withdrawal penalty of 365 days dividends for maturities of more than 3 years | 4.20% | $1,789 |
| 60 monthsEarly withdrawal penalty of 365 days dividends for maturities of more than 3 years | 4.25% | $2,313 |
Special-purpose accounts
IRA & Roth IRA Fixed Rate Certificates
Up to 4.25%APY · 6 terms
Offers Traditional and Roth IRA certificates. Automatic renewal at maturity with 10-day grace period. Additional deposits not allowed; withdrawal of dividends allowed. Early withdrawal penalty may be waived if IRA paid within 7 days of establishment or if owner attains age 59 1/2 or becomes disabled, or dies/adjudged incompetent. Membership eligibility requires living, working, worshiping, or attending school in specified Maine counties, or immediate family.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty of 120 days dividends for maturities up to 1 year | 4.00% | $198 |
| 12 monthsEarly withdrawal penalty of 120 days dividends for maturities up to 1 year | 4.05% | $405 |
| 24 monthsEarly withdrawal penalty of 180 days dividends for maturities of 1 to 3 years | 4.10% | $837 |
| 36 monthsEarly withdrawal penalty of 180 days dividends for maturities of 1 to 3 years | 4.15% | $1,297 |
| 48 monthsEarly withdrawal penalty of 365 days dividends for maturities of more than 3 years | 4.20% | $1,789 |
| 60 monthsEarly withdrawal penalty of 365 days dividends for maturities of more than 3 years | 4.25% | $2,313 |
Who can join OTIS Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or attend school in Androscoggin, Cumberland, Franklin, Kennebec, Lincoln, Oxford, Sagadahoc, Somerset, or York County are eligible to join.
Family and household
- Immediate family members, regardless of geographic location, are eligible for membership.
Cost to join
- An initial deposit of $25.00 is required to open an account.
Membership information collected October 4, 2026.