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 05/23/2022
- Vehicle Loans
- Campers-RV (Recreational Vehicles)
- Mortgage Loans
- Home Equity Loans
- Personal Loan (Max: $10,000)
- VISA Credit Cards
Vehicle Loans
| Term | *APR (as low as) | **Approx. Monthly Payment |
|---|---|---|
| 24 months (17-22) | 2.75% | $429.21 |
| 36 months (17-22) | 2.75% | $290.96 |
| 48 months (17-22) | 2.75% | $220.51 |
| 60 months (17-22) | 2.75% | $178.80 |
| 72 months (17-22) | 3.25% | $153.28($10,000 or more) |
| 84 Months (17-22) | 3.75% | $407.30($30,000 or more) |
*See a Loan Officer for rates on Vehicles 2016 or older
- These rates include ATV, Snowmobiles, Motorcycles, and Tractors. *ATV & Snowmobiles max term 84 months)
- 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 (72 month based on a loan of $10,000, 84 month rate based on a loan of $30,000).
Motorized RV
| Term | *APR (as low as) | **Approx. Monthly Payment |
| 60 months | 3.50% | $182.20 |
| 72 months | 3.75% | $155.58($10,000 or more) |
| 84 months(new only) | 3.75% | $339.42($25,000 or more) |
| 96 to 144 months(new only) | 6.50% to 8.50% | $537.00 (96 mos.) to $445.73 (144 mos.) ($40,000 or more) |
*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 or Loan minimum.
*See a Loan Officer for rates on Motorized RV's 2016 or older
Mortgage Loans
Variable Rate
| Term | *APR (as low as) | *APR (as low as) |
| 20% Down Payment | 10% Down Payment | |
| 1 year lock | 3.75% APR | 4.25% APR |
| 3 year lock | 4.00% APR | 4.50% APR |
| 5 year lock | 4.25% APR | 4.75% APR |
| 7 year lock | 4.50% 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 | 4.20% APR | $819.14 | 4.70% APR | $838.62 |
| 15 year fixed | 4.45% APR | $611.22 | 4.95% APR | $630.56 |
| 20 year fixed | 5.25% APR | $539.08 | 5.75% APR | $561.67 |
| 30 year fixed | 5.50% APR | $454.24 | 6.00% APR | $479.65 |
*APR - Annual Percentage Rate. Internal Refinances do not apply. 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 4.00% APR |
| Home Equity IV | ** As Low as 4.00% 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
| Term | *APR (as low as) | **Approx. Monthly Payment |
| 10-Year Fixed | 4.20% | $102.27 |
| 15-Year Fixed | 4.45% | $76.31 |
| 20-Year Fixed |
5.25% |
$67.39 |
* 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.
Personal Loans
| Term | *APR (as low as) | **Approx. Monthly Payment |
| up to 60 months | 9.99% | $213.28(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(800) 804-7555 or write us at 78 Fox Street, Madawaska ME 04756.
