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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 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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