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 1/11/2021
- 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 (17-21) | 3.25% | $431.52 |
| 36 months (17-21) | 3.25% | $292.32 |
| 48 months (17-21) | 3.25% | $222.76 |
| 60 months (17-21) | 3.25% | $181.06 |
| 72 months (17-21) | 3.50% | $231.63($15,000 or more) |
| 84 Months (NEW ONLY) | 4.75% | $351.14($25,000 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 $15,000, 84 month rate based on a loan of $25,000).
Motorized RV
| Term | *APR (as low as) | **Approx. Monthly Payment |
| 60 months | 4.25% | $185.64 |
| 72 months | 4.25% | $236.83($15,000 or more) |
| 84 months(new only) | 6.25% | $369.19($25,000 or more) |
| 96 to 120 months(new only) | 6.25% to 7.75% | $531.98 (96 mos.) to $481.68 (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.
Mortgage Loans
Variable Rate
| Term | *APR (as low as) | *APR (as low as) |
| 20% Down Payment | 10% Down Payment | |
| 1 year lock | 2.00% APR | 3.00% APR |
| 3 year lock | 2.25% APR | 3.25% APR |
| 5 year lock | 2.50% APR | 3.50% APR |
| 7 year lock | 2.75% APR | 3.75% 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 | 3.75% APR | $801.72 | 4.75% APR | $840.41 |
| 15 year fixed | 3.75% APR | $582.70 | 4.75% APR | $623.51 |
| 20 year fixed | 3.75% APR | $475.09 | 4.75% APR | $518.05 |
| 30 year fixed | 4.30% APR | $395.90 | 5.30% APR | $444.25 |
*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 3.25% APR |
| Home Equity IV | ** As Low as 3.25% 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 | 4.50% | $103.83 |
| 15-Year Fixed | 4.60% | $77.17 |
| 20-Year Fixed | 4.70% | $64.49 |
* 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.
