loan rates

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 12/02/2024



Vehicle Loans 

Term *APR (as low as) **Approx. Monthly Payment
24 months (20-24) 6.25% $445.39
36 months (20-24) 6.25% $306.08
48 months (20-24) 6.45% $237.51
60 months (20-24) 6.45% $195.92
72 months (20-24) 6.75% $169.78($10,000 or more)
84 Months (20-24) 7.00% $454.14($30,000 or more)

 *See a Loan Officer for rates on Vehicles 2019 or older

  • 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). 

 

Recreational Vehicle Loans 

Term *APR (as low as) **Approx. Monthly Payment
24 months (20-24) 6.25% $445.39
36 months (20-24) 6.25% $306.08
48 months (20-24) 6.25% $236.57
60 months (20-24) 6.25% $194.97
72 months (20-24) 6.65% $169.26($10,000 or more)
84 Months (20-24) 6.90% $452.54$30,000 or more)

 *See a Loan Officer for  rates on  Vehicles 2019 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.
  • ** 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). 


Camper Loans

Term *APR (as low as) **Approx. Monthly Payment
60 months 6.39% $195.64
72 months 6.65% $169.26($10,000 or more)
84 months(new only) 7.15% $380.22($25,000 or more)
96  to 144 months(new only) 8.00% to 11.34% $567.26(96 mos.) to $511.82(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 Campers  2019 or older



Mortgage Loans

Variable Rate

Term *APR (as low as) *APR (as low as)
  20% Down Payment 10% Down Payment
1 year lock 6.25% APR 6.75% APR
3 year lock 6.50% APR 7.00% APR
5 year lock 6.75% APR 7.25% APR
7 year lock 7.00% APR 7.50% 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 7.00% APR $931.49 7.50% APR $952.48
15 year fixed 7.50% APR $743.91 8.00% APR $767.05
20 year fixed 8.00% APR $669.16 8.50% APR $694.26
30 year fixed

8.25% APR

$601.02 8.75% APR $629.37

*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 7.75% APR
Home Equity IV ** As Low as  7.75% 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) **Approx. Monthly Payment
10-Year Fixed 7.00% $116.44
15-Year Fixed 7.50%

$92.99

20-Year Fixed

8.00%

$83.93

* 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 11.90% $223.05(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.