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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 06/10/13

Vehicle Loans

Term *APR (as low as) **Approx. Monthly Payment
24 months (03-13) 1.95 % $425.52
36 months (05-13) 2.19 % $287.52
48 months (07-13) 2.69 % $220.23
60 months (08-13) 2.89% $179.42
72 months (09-13) 3.19 % $153.00

* 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.
Add-Vantage PLUS not applicable

Recreational Vehicles

Term *APR (as low as) **Approx. Monthly Payment
60 months 2.95% $179.70
72 months 3.20% $153.05
84 months 3.99% $136.89
96 months (new only) 4.99% $126.84
108 months (new only) 5.20% $116.41
120 months (new only) 5.50% $108.80

*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 3.45% APR 4.45% APR
5 year lock 3.65% APR 4.65% APR
7 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 4.85% APR $844.31 5.85% APR $884.21
15 year fixed 5.25% APR $644.06 6.25% APR $687.14
20 year fixed 5.40% APR $546.67 6.40% APR $592.86
30 year fixed 5.50% APR $455.02 6.50% APR $506.67

*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 5.25% $107.69
15-Year Fixed 5.35% $80.69
20-Year Fixed 5.45% $68.51

* 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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