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 10/05/2026
- Vehicle Loans
- Recreational Vehicle Loans
- Campers Loans
- Mortgage Loans
- Home Equity Loans
- Personal Loan (Max: $10,000)
- VISA Credit Cards
Vehicle Loans
| Term | *APR (as low as) | |
|---|---|---|
| 24 months (22-26) | 4.24% | |
| 36 months (22-26) | 4.24% | |
| 48 months (22-26) | 4.24% | |
| 60 months (22-26) | 4.49% | |
| 72 months (22-26) | 4.74% | |
| 84 Months (22-26) | 5.69% |
*Contact one of our consumer loan officers today for rates on Vehicles 2021 or older
- Annual Percentage Rate varies depending on your credit history and score. See a loan officer for more information and disclosures.
Recreational Vehicle Loans
| Term | *APR (as low as) | |
|---|---|---|
| 24 months (22-26) | 4.24% | |
| 36 months (22-26) | 4.24% | |
| 48 months (22-26) | 4.24% | |
| 60 months (22-26) | 4.99% | |
| 72 months (22-26) | 4.99% | |
| 84 Months (22-26) | 5.99% |
*Contact one of our Consumer loan officers today for rates on Vehicles 2021 or older and rates on Boats
- Annual Percentage Rate varies depending on your credit history and score. See a loan officer for more information and disclosures.
Camper Loans
| Term | *APR (as low as) | |
| 60 months | 5.75% | |
| 72 months | 6.44% | |
| 84 months | 6.44% | |
| 120 months | 7.13% | |
| 144 months | 7.63% | |
| 180 months(Model year 2025 and 2024 only) | 8.13% |
*APR - Annual Percentage Rate varies depending on your credit history and score. Rates may change without notice. See a loan officer for more details.
*Contact one of our consumer loan officers today for rates on Campers 2022 or older
Mortgage Loans
Fixed Rate
| Term | *APR (as low as) | *APR (as low as) | ||
| 20% Down Payment | 10% Down Payment | |||
| 10 year fixed | 6.50% APR | 7.00% APR | ||
| 15 year fixed | 6.60% APR | 7.10% APR | ||
| 20 year fixed | 6.95% APR | 7.45% APR | ||
| 30 year fixed |
7.25% APR |
7.75% APR |
*APR - Annual Percentage Rate. Internal Refinances do not apply. Rates may change without notice. Contact one of our consumer loan officers for more information today! Rates as low as - Depending on your credit history and score.
Home Equity Loans
Variable Rate
| Interest Only Program | ** As Low as 7.00% APR |
| Home Equity IV | ** As Low as 7.00% 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(80% LTV)
| Term | *APR (as low as) | |
| 10-Year Fixed | 6.25% | |
| 15-Year Fixed | 6.55% | |
| 20-Year Fixed |
6.85% |
* Annual Percentage Rate is as low as. Rates are determined by your credit score and history. Rates may change without notice. See a Mortgage Loan Originator for rates on Mobile Home with Real Estate Home Equity Fixed.
Personal Loans
| Term | *APR (as low as) | |
| up to 60 months | 11.90% |
* APR - Annual Percentage Rate may change without notice. Your rate is based on your credit history and score.
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(800) 804-7555 or write us at 78 Fox Street, Madawaska ME 04756.
