Current Loan Rates
NorState Federal Credit Union offers a variety of savings accounts to serve your needs at competitive rates.
|
All rates effective as of 12/15/08 |
Vehicle Loans 
| Term |
*APR (as low as) |
**Approx. Monthly Payment |
| 24 months |
5.25 % |
$440.71 |
| 36 months |
5.48 % |
$302.50 |
| 48 months |
5.99 % |
$235.34 |
| 60 months |
6.24 % |
$194.92 |
| 72 months |
6.49 % |
$168.48 |
* Annual Percentage Rate varies depending on your credit history and score. See a loan officer for more information and disclosures.
** Monthly payment based on a loan of $10,000 loan.
Rates quoted with Add-Vantage PLUS.
Recreational Vehicles 
| Term |
*APR (as low as) |
**Approx. Monthly Payment |
| 60 months |
6.24% |
$194.92 |
| 72 months |
6.49% |
$168.48 |
| 84 months |
6.74% |
$150.10 |
| 96 months (new only) |
7.74% |
$140.53 |
| 108 months (new only) |
7.74% |
$ 129.29 |
| 120 months (new only) |
8.24% |
$123.05 |
*APR - Annual Percentage Rate varies depending on your credit history and score. Rates may change without notice. See a loan officer for more details.
** Monthly payment based on a loan of $10,000 loan.
Mortgage Loans 
Variable Rate
| Term |
*APR (as low as) |
*APR (as low as) |
| |
20% Down Payment |
10% Down Payment |
| 1 year lock |
6.35% APR |
7.35% APR |
| 3 year lock |
6.65% APR |
7.65% APR |
| 5 year lock |
6.75% APR |
7.75% APR |
Fixed Rate
| Term |
*APR (as low as) |
Approx. Monthly Payment* |
*APR (as low as) |
**Approx. Monthly Payment |
| |
20% Down Payment |
|
10% Down Payment |
|
| 10 year fixed |
6.65% APR |
$916.93 |
7.65% APR |
$958.80 |
| 15 year fixed |
6.85% APR |
$714.38 |
7.85% APR |
$760.04 |
| 20 year fixed |
7.25% APR |
$634.23 |
8.25% APR |
$684.00 |
| 30 year fixed |
7.35% APR |
$552.95 |
8.35% APR |
$608.82 |
*APR - Annual Percentage Rate. Rates may change without notice. See a loan officer for more information today! Rates as low as - Depending on your credit history and score.
** Monthly payment based on a loan of $80,000.
Home Equity Loans 
Variable Rate
| Interest Only Program |
** As Low as 3.25% APR |
| Home Equity IV |
** As Low as 3.25% APR |
- See a loan officer for more information.
- No prepayment penalties, No minimum withdrawal, No annual fee
- 1% repayment on outstanding balance
- Annual percentage rate will never exceed 15%
- ** Annual Percentage Rate is as low as. Rates are determined by your credit score and history.
- Rates may change without notice.
Fixed Rate
| Term |
*APR (as low as) |
**Approx. Monthly Payment |
| 10-Year Fixed |
6.65% |
$114.62 |
| 15-Year Fixed |
6.85% |
$89.30 |
| 20-Year Fixed |
7.25% |
$79.28 |
* Annual Percentage Rate is as low as. Rates are determined by your credit score and history. Rates may change without notice.
** Monthly payment based on a loan of $10,000.
Signature Loans 
| Term |
*APR (as low as) |
**Approx. Monthly Payment |
| up to 60 months |
12.99% |
$227.49 (60 month term) |
* APR - Annual Percentage Rate may change without notice. Your rate is based on your credit history and score.
** Monthly payment based on a loan of $10,000.
VISA Credit Cards 
| *APR (as low as) |
| 10.90% (Variable Rate) |
* There are costs associated with the use of this card. To obtain information about these costs, call us (207)728-7555 or write us at 78 Fox Street, Madawaska ME 04756.
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