loans

Achieve your dreams! 

couple in new carLoans

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! LuvMyCU PERKS members benefit even more with discounted rates.

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
  • Get a FREE NorState Insurance Services quote today! GET STARTED HERE! 

APPLY NOW

LuvMyCU PERKS    A Member Loyalty Program     

                                                                                                          

At NorState Federal Credit Union (NFCU), we’re dedicated to providing the tools, resources and expertise that will empower your financial success. We also know what’s good for you is good for us. That’s why we developed our LuvMyCU PERKS program, a member loyalty program that offers our members discounted rates on consumer loans such as Auto, Recreational Vehicles and more.

 How does the program work?

Discounts are based on your current Member Loyalty level. The more involved you are with NFCU, the higher your loyalty level and the greater the discounts you can receive.

 Your Loyalty level is determined by:

 What PERKS Level are you?

Are you a Bronze, Silver, Gold or Platinum? Find out today, call a Member Service Advisor at 1-800-804-7555 during our business hours or visit any local NorState FCU branch.


 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
  • 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

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
  • 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

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, 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
  • For more information, please see the Overdraft Protection brochure.

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