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 11/28/2022



Vehicle Loans 

Term *APR (as low as) **Approx. Monthly Payment
24 months (17-22) 5.74% $443.06
36 months (17-22) 5.74% $303.76
48 months (17-22) 5.74% $234.21
60 months (17-22) 5.74% $192.58
72 months (17-22) 6.00% $166.15($10,000 or more)
84 Months (17-22) 6.00% $439.36($30,000 or more)

 *See a Loan Officer for rates on Vehicles 2017 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). 


Motorized RV 

Term *APR (as low as) **Approx. Monthly Payment
60 months 5.74% $190.23
72 months 6.00% $163.76($10,000 or more)
84 months(new only) 6.00% $360.09($25,000 or more)
96  to 144 months(new only) 8.75% to 10.69% $582.97 (96 mos.) to $498.75(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 Motorized RV's  2017 or older



Mortgage Loans

Variable Rate

Term *APR (as low as) *APR (as low as)
  20% Down Payment 10% Down Payment
1 year lock 6.00% APR 6.50% APR
3 year lock 6.25% APR 6.75% APR
5 year lock 6.50% APR 7.00% APR
7 year lock 6.75% APR 7.25% 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 8.00% APR $973.93 8.50% APR $995.47
15 year fixed 8.500% APR $790.72 9.00% APR $814.59
20 year fixed 9.25% APR $735.69 9.75% APR $762.07
30 year fixed

9.50% APR

$675.54 10.00% APR $705.16

*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 7.00% APR
Home Equity IV ** As Low as  7.00% 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 8.00% $121.75
15-Year Fixed 8.50% $98.84
20-Year Fixed

9.25%

$91.97

* 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 10.90% $217.90(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.