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 3/18/2019



Vehicle Loans 

Term *APR (as low as) **Approx. Monthly Payment
24 months (08-19) 2.50 % $429.21
36 months (08-19) 2.95% $292.10
48 months (08-19) 3.45% $224.81
60 months (08-19) 3.65% $184.03
72 months (08-19) 3.95% $236.49 ($15,000 or more)
84 Months (NEW ONLY) 4.90% $355.92 ($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 3.95% $185.41
72 months 4.15% $237.95 ($15,000 or more)
84 months(new only) 5.15% $359.05($25,000 or more)
96  to 120 months(new only) 6.15% to 6.35% $401.42 (96 mos.) to $343.34 (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 $538.17 6.20% APR $584.12
30 year fixed 5.30% APR $445.41 6.30% APR $496.70

*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 5.25% $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.



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.