Low Rates and Helpful Service

Home Equity Loans


NorState Federal Credit Union offers flexibility with your Home Equity Loans.

NorState Federal Credit Union Advantages

  • No prepayment penalties
  • No annual fees
  • Low closing costs
  • Loans available for secondary residences and mobile homes
  • Annual Percentage Rate will not exceed 15%
  • Repayment is only 1% of the outstanding balance
  • No minimum withdrawals
  • Variable Home Equity Program
  • Interest Only Home Equity Program (Pay interest only for 5 years with a variable monthly rate, reverting to 1.5% repayment of outstanding balance)
  • Home Equity Fixed Rates are also available (10,15 & 20 years)
  • Risk Based Pricing - Rates vary depending on your credit history and score
  • Optional Life and Disability Insurance available at a reasonable cost

What you should know about Home Equity Lines of Credit - pdf

Contact us and we'll be glad to answer any questions you may have about loan alternatives, rates and the application process.

Easy application process

Apply by phone: (800) 804-7555
Apply online