loan rates

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 10/19/2020



Vehicle Loans 

Term *APR (as low as) **Approx. Monthly Payment
24 months (16-20) 3.25% $431.52
36 months (16-20) 3.25% $292.32
48 months (16-20) 3.25% $222.76
60 months (16-20) 3.25% $181.06
72 months (16-20) 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 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 4.25% $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.