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 12/19/2024
- 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 (20-24) | 6.25% | $445.39 |
| 36 months (20-24) | 6.25% | $306.08 |
| 48 months (20-24) | 6.45% | $237.51 |
| 60 months (20-24) | 6.45% | $195.92 |
| 72 months (20-24) | 6.55% | $168.77($10,000 or more) |
| 84 Months (20-24) | 6.95% | $453.27($30,000 or more) |
*See a Loan Officer for rates on Vehicles 2019 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 (20-24) | 6.25% | $445.39 |
| 36 months (20-24) | 6.25% | $306.08 |
| 48 months (20-24) | 6.25% | $236.57 |
| 60 months (20-24) | 6.25% | $194.97 |
| 72 months (20-24) | 6.65% | $169.26($10,000 or more) |
| 84 Months (20-24) | 6.90% | $452.54$30,000 or more) |
*See a Loan Officer for rates on Vehicles 2019 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 | 6.39% | $195.64 |
| 72 months | 6.65% | $169.26($10,000 or more) |
| 84 months(new only) | 7.15% | $380.22($25,000 or more) |
| 96 to 144 months(new only) | 8.00% to 11.34% | $567.26(96 mos.) to $511.82(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 2019 or older
Mortgage Loans
Variable Rate
| Term | *APR (as low as) | *APR (as low as) |
| 20% Down Payment | 10% Down Payment | |
| 1 year lock | 6.25% APR | 6.75% APR |
| 3 year lock | 6.50% APR | 7.00% APR |
| 5 year lock | 6.75% APR | 7.25% APR |
| 7 year lock | 7.00% APR | 7.50% 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 | 7.00% APR | $931.49 | 7.50% APR | $952.48 |
| 15 year fixed | 7.50% APR | $743.91 | 8.00% APR | $767.05 |
| 20 year fixed | 8.00% APR | $669.16 | 8.50% APR | $694.26 |
| 30 year fixed |
8.25% APR |
$601.02 | 8.75% APR | $629.37 |
*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 7.50% APR |
| Home Equity IV | ** As Low as 7.50% 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 | 7.00% | $116.44 |
| 15-Year Fixed | 7.50% |
$92.99 |
| 20-Year Fixed |
8.00% |
$83.93 |
* 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 | 11.90% | $223.05(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.
