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Current Loan Rates

NorState Federal Credit Union offers a variety of savings accounts to serve your needs at competitive rates.

To see current rates, please choose a loan type below:

All rates effective as of 08/19/14

Vehicle Loans

Term *APR (as low as) **Approx. Monthly Payment
24 months (06-14) 1.99 % $425.71
36 months (06-14) 2.50 % $288.92
48 months (06-14) 3.00 % $221.62
60 months (08-14) 3.20% $180.82
72 months (10-14) 3.50% $154.42

* 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.
with Add-Vantage PLUS


Recreational Vehicles

Term *APR (as low as) **Approx. Monthly Payment
60 months 3.95% $184.25
72 months 4.25% $157.88
84 months 4.99% $141.60
96 months (new only) 5.99% $131.71
108 months (new only) 6.20% $121.38
120 months (new only) 6.50% $113.87

*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.


Mortgage Loans

Variable Rate
Term *APR (as low as) *APR (as low as)
  20% Down Payment 10% Down Payment
1 year lock 2.95% APR 3.95% APR
3 year lock 3.45% APR 4.45% APR
5 year lock 4.25% APR 5.25% APR
7 year lock 4.45% APR 5.45% 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 5.55% APR $8872.28 6.55% APR $912.99
15 year fixed 5.65% APR $661.71 6.65% APR $705.58
20 year fixed 5.74% APR $562.51 6.74% APR $609.45
30 year fixed 5.74% APR $467.48 6.74% APR $5519.80

*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 5.55% $109.40
15-Year Fixed 5.65% $83.00
20-Year Fixed 5.74% $70.58

* 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% $228.70(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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