We Have The "Credit Union" Difference!

Financing Options With Low Interest Rates


LOAN RATESApproximate Term Annual Percentage Rate (APR)
Subaccount Description
Secured Loans12 Months3.25%*
24 Months3.50%*
36 Months3.75%*
48 Months3.75%*
60 Months4.00%*
72 Months4.00%*
84 Months4.00%*
Signature Loans and Line of Credit Loans12 Months7.00%*
24 Months7.50%*
36 Months8.50%*
48 Months9.00%*
Share Secured Loans72 MonthsThe share rate plus 3.50%
Power Savings Secured Loans 72 MonthsThe Power Savings rate plus 3.50%
Certificate Secured LoansTerm of the certificateThe certificate rate plus 3.50%
Share Draft Overdraft Protection Loans 14.00%
Home Equity Lines-of-Credit Contact the credit union for the most current rate
Agricultural LoansContact the credit union

When you're considering a purchase, no matter how big or small, Otter Tail Credit Union has a loan program to fit your needs—and your budget. Our interest rates are generally lower and we process loans quickly. You'll never be charged a penalty for early payoff and our loans can often be tailored to fit your specific needs. Whether you're in the market for a new car or would like to take the family on vacation, we're sure to have a loan that's just right for you. While we offer too many loans to list them all, the following are most common:

  • Cars, trucks, or SUVs
  • RVs and travel trailers
  • Boats and personal watercraft
  • Motorcycles and ATVs
  • Snowmobiles
  • Computers
  • Travel and vacation
  • Home equity
  • Garden tractors or full sized tractors
  • Christmas/holiday expenses
  • Taxes