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 2/11/2019



Vehicle Loans 

Term *APR (as low as) **Approx. Monthly Payment
24 months (08-19) 2.50 % $429.15
36 months (08-19) 2.75% $292.28
48 months (08-19) 3.55% $225.23
60 months (08-19) 3.80% $184.68
72 months (08-19) 4.00% $236.78
84 Months (NEW ONLY) 4.90% $355.83 ($25,000 or more)

 

  • These rates include ATV, Snowmobiles, Boats, 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 $15,000, 84 month rate based on a loan of $25,000). 
    with Add-Vantage PLUS


Motorized RV 

Term *APR (as low as) **Approx. Monthly Payment
60 months 3.80% $184.68
72 months 4.00% $236.78 ($15,000 or more)
84 months(new only) 4.90% $355.83($25,000 or more)
96  to 120 months(new only) 5.75% $395.17 (96 mos.) or $333.86 (120 mos.)    ($30,000 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.



Mortgage Loans

Variable Rate

Term *APR (as low as) *APR (as low as)
  20% Down Payment 10% Down Payment
1 year lock 4.25% APR 5.25% APR
3 year lock 4.50% APR 5.50% APR
5 year lock 4.75% APR 5.75% APR
7 year lock 5.00% APR 6.00% 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 5.40% APR $866.25 6.40% APR $906.79
15 year fixed 5.50% APR $655.26 6.50% APR $698.88
20 year fixed 5.60% APR $556.25 6.60% APR $602.97
30 year fixed 5.75% APR $468.12 6.75% APR $520.51

*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 5.50% APR
Home Equity IV ** As Low as 5.50% 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 5.40% $108.29
15-Year Fixed 5.50% $81.91
20-Year Fixed 5.60% $69.54

* 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% $228.65(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.