Current Loan Rates
NorState Federal Credit Union offers a variety of loan options to serve your needs at competitive rates.
To see current rates, please choose a loan type below:
All rates effective as of 3/18/2024
- Vehicle Loans
- Recreational Vehicle Loans
- Campers Loans
- Mortgage Loans
- Home Equity Loans
- Personal Loan (Max: $10,000)
- VISA Credit Cards
Vehicle Loans
Term | *APR (as low as) | **Approx. Monthly Payment |
---|---|---|
24 months (20-24) | 6.74% | $447.80 |
36 months (20-24) | 6.74% | $308.45 |
48 months (20-24) | 6.74% | $238.93 |
60 months (20-24) | 6.74% | $197.35 |
72 months (20-24) | 7.00% | $171.00($10,000 or more) |
84 Months (20-24) | 7.25% | $457.87($30,000 or more) |
*See a Loan Officer for rates on Vehicles 2019 or older
- 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 (72 month based on a loan of $10,000, 84 month rate based on a loan of $30,000).
Recreational Vehicle Loans
Term | *APR (as low as) | **Approx. Monthly Payment |
---|---|---|
24 months (20-24) | 6.75% | $447.85 |
36 months (20-24) | 6.75% | $308.50 |
48 months (20-24) | 6.75% | $238.98 |
60 months (20-24) | 6.75% | $197.40 |
72 months (20-24) | 7.00% | $171.00($10,000 or more) |
84 Months (20-24) | 7.25% | $457.87($30,000 or more) |
*See a Loan Officer for rates on Vehicles 2019 or older and rates on Boats
- 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 (72 month based on a loan of $10,000, 84 month rate based on a loan of $30,000).
Camper Loans
Term | *APR (as low as) | **Approx. Monthly Payment |
60 months | 6.50% | $196.20 |
72 months | 7.00% | $168.57($10,000 or more) |
84 months(new only) | 7.25% | $381.56($25,000 or more) |
96 to 144 months(new only) | 8.00% to 11.50% | $567.41(96 mos.) to $515.89(144 mos.) ($40,000 or more) |
*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 or Loan minimum.
*See a Loan Officer for rates on Campers 2019 or older and rates for Pop-Up Campers
Mortgage Loans
Variable Rate
Term | *APR (as low as) | *APR (as low as) |
20% Down Payment | 10% Down Payment | |
1 year lock | 6.75% APR | 7.25% APR |
3 year lock | 7.00% APR | 7.50% APR |
5 year lock | 7.25% APR | 7.75% APR |
7 year lock | 7.50% APR | 8.00% 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 | 7.25% APR | $942.17 | 7.75% APR | $963.32 |
15 year fixed | 7.75% APR | $755.62 | 8.25% APR | $778.96 |
20 year fixed | 8.00% APR | $669.16 | 8.50% APR | $694.26 |
30 year fixed |
8.25% APR |
$601.02 | 8.75% APR | $629.37 |
*APR - Annual Percentage Rate. Internal Refinances do not apply. 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 8.50% APR |
Home Equity IV | ** As Low as 8.50% 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(80% LTV)
Term | *APR (as low as) | **Approx. Monthly Payment |
10-Year Fixed | 7.75% | $120.02 |
15-Year Fixed | 8.00% |
$95.57 |
20-Year Fixed |
8.25% |
$85.21 |
* 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.
Personal Loans
Term | *APR (as low as) | **Approx. Monthly Payment |
up to 60 months | 11.90% | $223.05(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(800) 804-7555 or write us at 78 Fox Street, Madawaska ME 04756.