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 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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