Loans

Whether it's driving a new car, remodeling your home or taking a tropical vacation, NorState Federal Credit Union offers competitive rates to help make your dreams a reality!

Select a loan that best fits your needs:

 APPLY NOW

  • Apply online
  • Apply by phone: (207) 728-7555 or 1-800-804-7555
  • Apply by mail: 78 Fox Street, Madawaska ME 04756
  • Apply in person at one of our branches

APPLY NOW         CURRENT RATES      


 Signature Loans

Get extra cash to consolidate your bills, take a family vacation and much more!

  • Low rates
  • Affordable payments
  • Fast loan processing
  • Risk Based Pricing - Rates vary depending on your credit history and scoring
  • No Down-Payments required to qualified borrowers
  • No pre-payment penalties
  • Borrow up to $10,000.00
  • 0.25% APR reduction for payments with direct deposit and auto pay.
  • Terms of up to 60 months
  • Refinancing from other high-rate lenders available
  • Optional Life and Disability insurance available at a reasonable cost.

Share Secured Loan                                                                                          CURRENT RATES 

Enjoy the security and peace of mind knowing you are getting the lowest possible loan rate by using your savings, flex or share certificate account as collateral.

  • Low rates
  • Affordable payments
  • Fast loan processing
  • No Down-Payments required to qualified borrowers
  • No pre-payment penalties
  • 0.25% APR reduction for payments with direct deposit and auto pay.
  • Terms of up to 60 months
  • Refinancing from other high-rate lenders available
  • Optional Life and Disability insurance available at a reasonable cost.

Share Draft Overdraft Loan                                                                        CURRENT RATES 

Get peace of mind with a share draft overdraft line of credit. This line of credit is a loan that gives you flexibility with your share draft account, it makes it easy to borrow small amounts for a short term and is great for emergencies.

  • Low annual percentage rate
  • Affordable monthly payment (5% of outstanding balance or $31, whichever is greater)
  • Fast loan processing
  • Advances to cover the overdraft are made in $100 increments
  • Credit limit up to $2,500
  • Advances will appear on your monthly statement and payments are due by the 28th of each month.
  • Rates vary depending on your credit history and score
  • Optional Life and Disability insurance available at a reasonable cost

Add-Vantage PLUS                                                                                           CURRENT RATES 

This program permits members to enjoy rate reductions on new eligible consumer loans.
In order to qualify for the program, eligible members must participate in NorState FCU's Net Pay and Auto Pay and maintain their accounts in good standing.

So long as participants maintain an active involvement in the above-mentioned programs, they shall be entitled to receive 1/4% rate reduction on their new consumer loan.

*Restrictions may apply. Norstate reserves the right to discontinue or suspend this program


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