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 06/16/2017
- Vehicle Loans
- Recreational Vehicles (Campers)
- Mortgage Loans
- Home Equity Loans
- Signature Loan (Max: $10,000)
- VISA Credit Cards
Vehicle Loans
| Term | *APR (as low as) | **Approx. Monthly Payment |
|---|---|---|
| 24 months (09-17) | 1.99 % | $425.71 |
| 36 months (09-17) | 2.39 % | $288.38 |
| 48 months (09-17) | 2.84 % | $220.87 |
| 60 months (11-17) | 3.09% | $180.30 |
| 72 months (13-17) | 3.50% | $154.42 |
* 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.
with Add-Vantage PLUS
Recreational Vehicles
| Term | *APR (as low as) | **Approx. Monthly Payment |
| 60 months | 3.95% | $184.25 |
| 72 months | 4.25% | $157.88 |
| 84 months | 4.25% | $138.11 |
| 96 months (new only) | 4.25% | $123.30 |
| 108 months (new only) | 4.25% | $111.81 |
| 120 months (new only) | 4.25% | $102.64 |
*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.
Mortgage Loans
Variable Rate
| Term | *APR (as low as) | *APR (as low as) |
| 20% Down Payment | 10% Down Payment | |
| 1 year lock | 2.75% APR | 3.75% APR |
| 3 year lock | 3.25% APR | 4.25% APR |
| 5 year lock | 3.75% APR | 4.75% APR |
| 7 year lock | 4.00% 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 | 5.20% APR | $858.27 | 6.20% APR | $898.59 |
| 15 year fixed | 5.30% APR | $646.71 | 6.30% APR | $690.02 |
| 20 year fixed | 5.40% APR | $547.13 | 6.40% APR | $593.46 |
| 30 year fixed | 5.50% APR | $455.41 | 6.50% APR | $507.18 |
*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 4.25% APR |
| Home Equity IV | ** As Low as 4.25% 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 | 5.20% | $107.29 |
| 15-Year Fixed | 5.30% | $80.84 |
| 20-Year Fixed | 5.40% | $68.40 |
* 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% | $227.38(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 (207)728-7555 or write us at 78 Fox Street, Madawaska ME 04756.
