Credit union · NCUA insured
OTIS Federal Credit Union Credit Card Rates
Top CarrotOTIS Federal Credit Union credit cards start at 9.90% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How OTIS Federal Credit Union’s credit card rates compare
Compared with banks and credit unions in Maine, where OTIS Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
OTIS Federal Credit Union
9.90%APR
- Up to
- —
OTIS Great Rate VISA Credit Card
Lowest rate
Oxford Federal Credit Union
6.90%APR
- Up to
- 17.90% APR
2nd-lowest rate
Lincoln Maine FCU
7.90%APR
- Up to
- —
OTIS Federal Credit Union credit card score
84
Credit card score
Higher than 65% of U.S. banks and credit unions
- Purchase APRPurchase APR9.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where OTIS Federal Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
OTIS Great Rate VISA Credit Card
Eligibility requires living, working, worshipping, or attending school in Androscoggin, Cumberland, Franklin, Kennebec, Lincoln, Oxford, Sagadahoc, Somerset, or York County, ME, or being an immediate family member of an eligible person. Average daily balance (excluding new purchases) method used. Grace period of at least 25 days to avoid interest on purchases if entire balance is paid by due date.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90% | None | 9.90% APR applies to purchases, cash advances, and balance transfers. No balance transfer fee or cash advance fee. Foreign transaction fee is 1.00% of each transaction in US Dollars. Late payment fee is $15.00 if 20 or more days late. No over-the-credit-limit fee. No minimum interest charge. |
Sources (3)
All captured Oct 7, 2026
OTIS Rewards VISA Credit Card
Eligibility requires living, working, worshipping, or attending school in Androscoggin, Cumberland, Franklin, Kennebec, Lincoln, Oxford, Sagadahoc, Somerset, or York County, ME, or being an immediate family member of an eligible person. Average daily balance (excluding new purchases) method used. Grace period of at least 25 days to avoid interest on purchases if entire balance is paid by due date.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.49% | None | 11.49% APR applies to purchases, cash advances, and balance transfers. No balance transfer fee or cash advance fee. Foreign transaction fee is 1.00% of each transaction in US Dollars. Late payment fee is $20.00 or the amount of the minimum required payment, whichever is less, if 20 or more days late. No over-the-credit-limit fee. No minimum interest charge. Earns OTIS Rewards points with every purchase. |
Sources (3)
All captured Oct 7, 2026
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.