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 04/01/16


Vehicle Loans 

Term *APR (as low as) **Approx. Monthly Payment
24 months (08-16) 1.99 % $425.71
36 months (08-16 2.24 % $287.78
48 months (08-16) 2.74 % $220.49
60 months (10-16) 2.99% $179.90
72 months (12-16) 3.50% $154.42

* 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.
with Add-Vantage PLUS


Recreational Vehicles 

Term *APR (as low as) **Approx. Monthly Payment
60 months 3.95% $184.25
72 months 4.25% $157.88
84 months 4.25% $138.11
96 months (new only) 4.25% $123.30
108 months (new only) 4.25% $111.81
120 months (new only) 4.25% $102.64

*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 2.75% APR 3.75% APR
3 year lock 3.25% APR 4.25% APR
5 year lock 3.75% APR 4.75% APR
7 year lock 4.00% APR 5.00% 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 5.20% APR $858.27 6.20% APR $898.59
15 year fixed 5.30% APR $646.71 6.30% APR $690.02
20 year fixed 5.40% APR $547.13 6.40% APR $593.46
30 year fixed 5.50% APR $455.41 6.50% APR $507.18

*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 3.50% APR
Home Equity IV ** As Low as 3.50% 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

Term *APR (as low as) **Approx. Monthly Payment
10-Year Fixed 5.20% $107.29
15-Year Fixed 5.30% $80.84
20-Year Fixed 5.40% $68.40

* 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 12.74% $227.38(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.