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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 01/09/14

Vehicle Loans

Term *APR (as low as) **Approx. Monthly Payment
24 months (04-14) 1.95 % $425.52
36 months (06-14) 2.25 % $287.78
48 months (08-14) 2.75 % $220.49
60 months (09-14) 2.95% $179.69
72 months (10-14) 3.25 % $153.27

* 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.
Add-Vantage PLUS not applicable


Recreational Vehicles

Term *APR (as low as) **Approx. Monthly Payment
60 months 2.95% $179.70
72 months 3.25% $153.27
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.


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 3.75% APR 4.75% 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 5.30% APR $862.24 6.30% APR $902.67
15 year fixed 5.40% APR $650.97 6.40% APR $694.43
20 year fixed 5.50% APR $550.60 6.50% APR $596.82
30 year fixed 5.60% APR $459.56 6.60% APR $511.30

*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 5.30% $107.96
15-Year Fixed 5.40% $81.51
20-Year Fixed 5.50% $69.08

* 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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