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 01/09/12 |
Vehicle Loans 
| Term |
*APR (as low as) |
**Approx. Monthly Payment |
| 24 months |
3.70 % |
$434.79 |
| 36 months |
3.70 % |
$295.54 |
| 48 months |
3.70 % |
$225.97 |
| 60 months |
3.70% |
$184.27 |
| 72 months |
4.70 % |
$161.18 |
* 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 |
4.95% |
$190.06 |
| 72 months |
5.20% |
$163.54 |
| 84 months |
6.49% |
$148.88 |
| 96 months (new only) |
7.49% |
$139.26 |
| 108 months (new only) |
7.49% |
$128.99 |
| 120 months (new only) |
7.99% |
$121.72 |
*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 |
2.95% APR |
3.95% APR |
| 3 year lock |
3.65% APR |
4.65% APR |
| 5 year lock |
3.95% APR |
4.95% 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 |
5.65% APR |
$876.46 |
6.65% APR |
$917.32 |
| 15 year fixed |
5.75% APR |
$666.15 |
6.75% APR |
$710.20 |
| 20 year fixed |
5.85% APR |
$567.86 |
6.85% APR |
$615.10 |
| 30 year fixed |
5.99% APR |
$480.58 |
6.99% APR |
$533.56 |
*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 |
5.75% |
$109.90 |
| 15-Year Fixed |
5.85% |
$83.69
|
| 20-Year Fixed |
5.99% |
$71.59 |
* 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% |
$228.11 (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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