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 1/21/2020
- 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 (16-20) | 3.70% | $433.57 |
| 36 months (16-20) | 3.70% | $294.35 |
| 48 months (16-20) | 3.70% | $224.81 |
| 60 months (16-20) | 3.70% | $183.10 |
| 72 months (16-20) | 3.75% | $233.34($15,000 or more) |
| 84 Months (NEW ONLY) | 5.15% | $355.92 ($25,000 or more) |
*See a Loan Officer for rates on Vehicles 2015 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 | 4.45% | $186.55 |
| 72 months | 4.50% | $238.56($15,000 or more) |
| 84 months(new only) | 6.25% | $369.19($25,000 or more) |
| 96 to 120 months(new only) | 6.45% to 6.60% | $401.94 (96 mos.) to $343.14 (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 | 3.50% APR | 4.50% APR |
| 3 year lock | 3.75% APR | 4.75% APR |
| 5 year lock | 4.00% APR | 5.00% APR |
| 7 year lock | 4.25% APR | 5.25% 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 | 5.00% APR | $850.43 | 6.00% APR | $890.56 |
| 15 year fixed | 5.10% APR | $638.32 | 6.10% APR | $681.33 |
| 20 year fixed | 5.20% APR | $536.85 | 6.20% APR | $582.42 |
| 30 year fixed | 5.30% APR | $444.25 | 6.30% APR | $495.18 |
*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 4.75% APR |
| Home Equity IV | ** As Low as 4.75% 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
| Term | *APR (as low as) | **Approx. Monthly Payment |
| 10-Year Fixed | 5.25% | $107.55 |
| 15-Year Fixed | 5.35% | $81.12 |
| 20-Year Fixed | 5.45% | $68.69 |
* 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.
