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 09/18/2023
- Vehicle Loans
- Recreational Vehicle Loans
- Campers Loans
- 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 (18-23) | 6.24% | $445.42 |
| 36 months (18-23) | 6.24% | $306.09 |
| 48 months (18-23) | 6.24% | $236.56 |
| 60 months (18-23) | 6.24% | $194.95 |
| 72 months (18-23) | 6.54% | $168.75($10,000 or more) |
| 84 Months (18-23) | 7.09% | $455.45($30,000 or more) |
*See a Loan Officer for rates on Vehicles 2017 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 (19-23) | 6.35% | $445.93 |
| 36 months (19-23) | 6.35% | $306.60 |
| 48 months (19-23) | 6.35% | $237.08 |
| 60 months (19-23) | 6.35% | $195.47 |
| 72 months (19-23) | 6.56% | $168.85($10,000 or more) |
| 84 Months (19-23) | 7.00% | $454.11($30,000 or more) |
*See a Loan Officer for rates on Vehicles 2018 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 | 5.74% | $190.23 |
| 72 months | 6.00% | $163.76($10,000 or more) |
| 84 months(new only) | 6.75% | $375.37($25,000 or more) |
| 96 to 144 months(new only) | 7.25% to 10.69% | $552.10 (96 mos.) to $498.75(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 2018 or older and rates for Pop-Up Campers
Mortgage Loans
Variable Rate
| Term | *APR (as low as) | *APR (as low as) |
| 20% Down Payment | 10% Down Payment | |
| 1 year lock | 6.00% APR | 6.50% APR |
| 3 year lock | 6.25% APR | 6.75% APR |
| 5 year lock | 6.50% APR | 7.00% APR |
| 7 year lock | 6.75% APR | 7.25% 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 | 6.95% APR | $929.69 | 7.45% APR | $950.69 |
| 15 year fixed | 7.50% APR | $744.17 | 8.00% APR | $767.32 |
| 20 year fixed | 7.75% APR | $656.76 | 8.25% APR | $681.66 |
| 30 year fixed |
7.95% APR |
$584.23 | 8.45% APR | $612.30 |
*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 8.50% APR |
| Home Equity IV | ** As Low as 8.50% 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(80% LTV)
| Term | *APR (as low as) | **Approx. Monthly Payment |
| 10-Year Fixed | 7.50% | $119.18 |
| 15-Year Fixed | 7.75% |
$94.53 |
| 20-Year Fixed |
7.95% |
$83.34 |
* 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 | 10.90% | $217.90(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.
