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 08/16/10 |
Vehicle Loans 
| Term |
*APR (as low as) |
**Approx. Monthly Payment |
| 24 months |
4.20 % |
$437.08 |
| 36 months |
4.30 % |
$298.28 |
| 48 months |
4.74 % |
$230.75 |
| 60 months |
5.05% |
$190.53 |
| 72 months |
5.30 % |
$164.02 |
* 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 |
4.05% APR |
5.05% APR |
| 5 year lock |
4.55% APR |
5.55% 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 |
5.95% APR |
$888.47 |
6.95% APR |
$929.62 |
| 15 year fixed |
6.05% APR |
$679.10 |
7.05% APR |
$723.59 |
| 20 year fixed |
6.45% APR |
$591.14 |
7.45% APR |
$639.30 |
| 30 year fixed |
6.70% APR |
$517.87 |
7.70% APR |
$572.43 |
*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 |
5.95% |
$111.06 |
| 15-Year Fixed |
6.05% |
$84.89
|
| 20-Year Fixed |
6.45% |
$74.49 |
* 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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