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 1/14/2019
- Vehicle Loans
- Campers-RV (Recreational Vehicles)
- Mortgage Loans
- Home Equity Loans
- Signature Loan (Max: $10,000)
- VISA Credit Cards
Vehicle Loans
| Term | *APR (as low as) | **Approx. Monthly Payment |
|---|---|---|
| 24 months (08-19) | 2.50 % | $429.15 |
| 36 months (08-19) | 2.75% | $292.28 |
| 48 months (08-19) | 3.55% | $225.23 |
| 60 months (08-19) | 3.80% | $184.68 |
| 72 months (08-19) | 4.00% | $236.78 |
| 84 Months (NEW ONLY) | 4.90% | $355.83 ($25,000 or more) |
- These rates include ATV, Snowmobiles, Boats, 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).
with Add-Vantage PLUS
Motorized RV
| Term | *APR (as low as) | **Approx. Monthly Payment |
| 60 months | 3.80% | $184.68 |
| 72 months | 4.00% | $236.78 ($15,000 or more) |
| 84 months(new only) | 4.90% | $355.83($25,000 or more) |
| 96 to 120 months(new only) | 5.75% | $395.17 (96 mos.) or $333.86 (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 | 4.25% APR | 5.25% APR |
| 3 year lock | 4.50% APR | 5.50% APR |
| 5 year lock | 4.75% APR | 5.75% APR |
| 7 year lock | 5.00% APR | 6.00% 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 | 5.40% APR | $866.25 | 6.40% APR | $906.79 |
| 15 year fixed | 5.50% APR | $655.26 | 6.50% APR | $698.88 |
| 20 year fixed | 5.60% APR | $556.25 | 6.60% APR | $602.97 |
| 30 year fixed | 5.75% APR | $468.12 | 6.75% APR | $520.51 |
*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 5.50% APR |
| Home Equity IV | ** As Low as 5.50% 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
| Term | *APR (as low as) | **Approx. Monthly Payment |
| 10-Year Fixed | 5.40% | $108.29 |
| 15-Year Fixed | 5.50% | $81.91 |
| 20-Year Fixed | 5.60% | $69.54 |
* 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.
Signature Loans
| Term | *APR (as low as) | **Approx. Monthly Payment |
| up to 60 months | 12.74% | $228.65(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.
