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 05/05/2025
- 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 (21-25) | 5.75% | $443.12 |
| 36 months (21-25) | 5.75% | $303.81 |
| 48 months (21-25) | 5.75% | $234.27 |
| 60 months (21-25) | 5.75% | $192.63 |
| 72 months (21-25) | 5.75% | $164.95($10,000 or more) |
| 84 Months (21-25) | 5.75% | $435.73($30,000 or more) |
*See a Loan Officer for rates on Vehicles 2020 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 (21-25) | 5.99% | $444.12 |
| 36 months (21-25) | 5.99% | $304.83 |
| 48 months (21-25) | 5.99% | $235.32 |
| 60 months (21-25) | 5.99% | $194.97 |
| 72 months (21-25) | 6.25% | $167.30($10,000 or more) |
| 84 Months (21-25) | 6.50% | $446.57$30,000 or more) |
*See a Loan Officer for rates on Vehicles 2020 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 | 5.75% | $192.63 |
| 72 months | 6.00% | $166.15 |
| 84 months(new only) | 6.44% | $371.52($25,000 or more) |
| 96 to 144 months(new only) | 7.13% to 8.63% | $549.61(96 mos.) to $448.60(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 2020 or older
Mortgage Loans
Variable Rate
| Term | *APR (as low as) | *APR (as low as) |
| 20% Down Payment | 10% Down Payment | |
| 1 year lock | 6.50% APR | 7.00% APR |
| 3 year lock | 6.75% APR | 7.25% APR |
| 5 year lock | 7.00% APR | 7.50% APR |
| 7 year lock | 7.25% APR | 7.75% 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 | 6.75% APR | $921.28 | 7.25% APR | $942.15 |
| 15 year fixed | 7.30% APR | $734.92 | 7.80% APR | $757.92 |
| 20 year fixed | 7.45% APR | $644.20 | 7.95% APR | $669.06 |
| 30 year fixed |
7.65% APR |
$569.63 | 8.15% APR | $597.64 |
*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 | 7.45% |
$92.41 |
| 20-Year Fixed |
7.65% |
$81.48 |
* 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.
