Enjoy a brighter retirement when you have a plan.
Individual Retirement Accounts (IRAs) can help pay for everyday things and even bigger dreams once you retire. At NorState FCU, we’ll help you pick the IRA that fits your goals.
Benefits of an Individual Retirement Account
- Track growth with CUe-Statements
- IRA club and IRA certificates available
- No setup or maintenance fees
Secure your future with an Individual Retirement Account.
- Variable dividends paid monthly
- 6 month, 1-year, 18-Months, 3-Years, 4 & 5-Year Terms available
- A penalty may or will be imposed for early withdrawal
- Regular, Roth and Educational IRAs available
- Access your IRA account with the following services:
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term Share Certificate can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Camper Loans
| Term | *APR (as low as) | **Approx. Monthly Payment |
| 60 months | 5.75% | $192.63 |
| 72 months | 6.44% | $168.27 |
| 84 months | 6.44% | $148.61 |
| 120 months | 7.13% | $292.85(payment based on $25,000 which is minimum for this term) |
| 144 months | 7.63% | $373.03(payment based on $35,000 which is minimum for this term) |
| 180 months(Model year 2025 and 2024 only) | 8.13% | $483.31(payment based on $50,000 which is minimum for this term) |
*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.
*Contact one of our consumer loan officers today for rates on Campers 2022 or older
Club Account Rates
| Dividend | |
|---|---|
| Dividend Rate | 0.05% |
| Annual Percentage Yield | 0.05% |
| Dividends Compounded | Monthly |
|
Dividends Credited |
Monthly |
| Dividends Period | Monthly |
| Balance Requirements | |
| Minimum Opening Balance | $0.00 |
|
Minimum Required Balance |
$0.00 |
| Balance Method | Average Daily Balance |
| ACCOUNT LIMITATIONS | Withdrawal from Christmas Club Accounts will require closure of said account. Christmas Accounts are closed on or after October 1 by transfer account. Account transfer limitations apply. |
Home Equity Loans Fixed Rate
| Term | *APR (as low as) | **Approx. Monthly Payment |
| 10-Year Fixed | 6.50% |
$113.57 |
| 15-Year Fixed | 6.75% |
$88.66 |
| 20-Year Fixed |
7.25% |
$79.04 |
* Annual Percentage Rate is as low as. Rates are determined by your credit score and history. Rates may change without notice. See a Mortgage Loan Originator for rates on Mobile Home with Real Estate Home Equity Fixed.
** Monthly payment based on a loan of $10,000.
Home Equity Loans Variable Rate
| Interest Only Program | ** As Low as 6.75% APR |
| Home Equity IV | ** As Low as 6.75% 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.
IRA Account Rates
| Dividend | |
|---|---|
| Dividend Rate | 0.40% |
| Annual Percentage Yield | 0.40% |
| Dividends Compounded | Monthly |
| Dividends Credited | Monthly |
| Dividends Period | Monthly |
| Balance Requirements | |
| Minimum Opening Balance | $0.00 |
|
Minimum Required Balance |
$0.00 |
| Balance Method | Average Daily Balance |
| ACCOUNT LIMITATIONS | Withdrawals and deposits are subject to Federal Regulations |
IRA Certificate Rates
| Dividend | 6 Mos | 1 Yr | 18 Mos | 24 Mos | 3 Yrs | 4 Yrs | 5 Yrs |
|---|---|---|---|---|---|---|---|
|
Dividend Rate |
2.47% | 3.64% | 3.74% | 3.69% | 3.64% | 3.59% | 3.59% |
| Annual Percentage Yield | 2.50% | 3.70% | 3.80% | 3.75% | 3.70% | 3.65% | 3.65% |
| Dividends Compounded | Monthly | Monthly | Monthly | Monthly | Monthly | Monthly | Monthly |
|
Dividends Credited |
Monthly | Monthly | Monthly | Monthly | Monthly | Monthly | Monthly |
| Dividends Period | Monthly | Monthly | Monthly | Monthly | Monthly | Monthly | Monthly |
| Balance Requirements | |||||||
| Minimum Opening Balance | $1,000.00 | $1,000.00 | $1,000.00 | $1,000.00 | $1,000.00 | $1,000.00 | $1,000.00 |
|
Minimum Required Balance |
$1,000.00 | $1,000.00 | $1,000.00 | $1,000.00 | $1,000.00 | $1,000.00 | $1,000.00 |
| Balance Method | Average Daily Balance | Average Daily Balance | Average Daily Balance | Average Daily Balance | Average Daily Balance | Average Daily Balance | Average Daily Balance |
| TRANSACTION LIMITATIONS: | |||||||
| Additional Deposits: Not Allowed | |||||||
| Dividend Withdrawal: Allowed Monthly | |||||||
| Renewal: Automatic | |||||||
Money Market /Flex Account Rates
| Dividend | $1,000.00 to $19,999.99 | $20,000 to $74,999.99 | $75,000.00 to $149,999.99 | >$150,000.00 |
|---|---|---|---|---|
| Dividend Rate | 1.98% | 2.23% |
2.47% |
2.72% |
| Annual Percentage Yield | 2.00% | 2.25% | 2.50% | 2.75% |
| Dividends Compounded | Monthly | Monthly | Monthly | Monthly |
|
Dividends Credited |
Monthly | Monthly | Monthly | Monthly |
| Dividends Period | Monthly | Monthly | Monthly | Monthly |
| Balance Requirements | ||||
| Minimum Opening Balance | $1,000.00 | $1,000.00 | $1,000.00 | $1,000.00 |
|
Minimum Required Balance |
$1,000.00 | $20,000.00 | $75,000.00 | $150,000.00 |
| Balance Method | Average Daily Balance | Average Daily Balance | Average Daily Balance | Average Daily Balance |
| ACCOUNT LIMITATIONS | Minimum balance required to obtain the Annual Percentage Yield for the dividend period. Withdrawal, deposit, and transfer limitations apply. | Minimum balance required to obtain the Annual Percentage Yield for the dividend period. Withdrawal, deposit, and transfer limitations apply. | Minimum balance required to obtain the Annual Percentage Yield for the dividend period. Withdrawal, deposit, and transfer limitations apply. | Minimum balance required to obtain the Annual Percentage Yield for the dividend period. Withdrawal, deposit, and transfer limitations apply. |
Mortgage Loans
| Term | *APR (as low as) | Approx. Monthly Payment* | *APR (as low as) | **Approx. Monthly Payment |
| 20% Down Payment | 10% Down Payment | |||
| 10 year fixed | 6.50% APR | $908.54 | 7.00% APR | $929.04 |
| 15 year fixed | 6.75% APR | $709.98 | 7.25% APR | $732.56 |
| 20 year fixed | 7.25% APR | $632.31 | 7.75% APR | $656.76 |
| 30 year fixed |
7.45% APR |
$556.64 | 7.95% APR | $584.23 |
*APR - Annual Percentage Rate. Internal Refinances do not apply. Rates may change without notice. Contact one of our consumer loan officers for more information today! Rates as low as - Depending on your credit history and score.
** Monthly payment based on a loan of $80,000.
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.
Recreational Vehicle Loans
| Term | *APR (as low as) | **Approx. Monthly Payment |
|---|---|---|
| 24 months (22-26) | 4.99% | $439.54 |
| 36 months (22-26) | 4.99% | $300.27 |
| 48 months (22-26) | 4.99% | $230.72 |
| 60 months (22-26) | 5.74% | $192.55 |
| 72 months (22-26) | 5.74% | $164.88($10,000 or more) |
| 84 Months (22-26) | 6.50% | $446.57($30,000 or more) |
*Contact one of our Consumer loan officers today for rates on Vehicles 2021 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).
Share Certificate Account Rates
| Dividend | 6 Mos | 1 Yr | 18 Mos | 24 Mos | 3 Yrs | 4 Yrs | 5 Yrs |
|---|---|---|---|---|---|---|---|
| Dividend Rate | 2.47% | 3.64% | 3.74% | 3.69% | 3.64% | 3.59% | 3.59% |
| Annual Percentage Yield | 2.50% | 3.70% | 3.80% | 3.75% | 3.70% | 3.65% | 3.65% |
| Dividends Compounded | Monthly | Monthly | Monthly | Monthly | Monthly | Monthly | Monthly |
|
Dividends Credited |
Monthly | Monthly | Monthly | Monthly | Monthly | Monthly | Monthly |
| Dividends Period | Monthly | Monthly | Monthly | Monthly | Monthly | Monthly | Monthly |
| Balance Requirements | |||||||
| Minimum Opening Balance | $1,000.00 | $1,000.00 | $1,000.00 | $1,000.00 | $1,000.00 | $1,000.00 | $1,000.00 |
|
Minimum Required Balance |
$1,000.00 | $1,000.00 | $1,000.00 | $1,000.00 | $1,000.00 | $1,000.00 | $1,000.00 |
| Balance Method | Average Daily Balance | Average Daily Balance | Average Daily Balance | Average Daily Balance | Average Daily Balance | Average Daily Balance | Average Daily Balance |
| Transaction Limitations | |||||||
| Additional Deposits: Not Allowed | |||||||
| Dividend Withdrawal: Allowed Monthly | |||||||
| Renewal: Automatic | |||||||
Share Draft/Checking Rates
| Dividend | |
|---|---|
| Dividend Rate | 0.00% |
| Annual Percentage Yield | 0.00% |
| Dividends Compounded | Monthly |
|
Dividends Credited |
Monthly |
| Dividends Period | Monthly |
| Balance Requirements | |
| Minimum Opening Balance | $0.00 |
|
Minimum Required Balance |
$0.00 |
| Balance Method | Average Daily Balance |
| ACCOUNT LIMITATIONS | Minimum balance required to obtain the Annual Percentage Yield for the dividend period |
Share/Savings Rates
| Dividend | |
|---|---|
| Dividend Rate | 0.05% |
| Annual Percentage Yield | 0.05% |
| Dividends Compounded | Monthly |
|
Dividends Credited |
Monthly |
| Dividends Period | Monthly |
| Balance Requirements | |
| Minimum Opening Balance | $25.00 |
|
Minimum Required Balance |
0 |
| Balance Method | Average Daily Balance |
| ACCOUNT LIMITATIONS | Account transfer limitations apply |
Vehicle Loans
| Term | *APR (as low as) | **Approx. Monthly Payment |
|---|---|---|
| 24 months (22-26) | 4.99% | $439.54 |
| 36 months (22-26) | 4.99% | $300.27 |
| 48 months (22-26) | 4.99% | $230.72 |
| 60 months (22-26) | 5.75% | $192.63 |
| 72 months (22-26) | 5.75% | $164.95($10,000 or more) |
| 84 Months (22-26) | 5.75% | $435.73($30,000 or more) |
*Contact one of our consumer loan officers today for rates on Vehicles 2021 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).
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.
Wealth Builder Account Certificate Rates
| Minimum Balance | Rate |
|---|---|
| $1.00 to $250.00 | 1-Year Cert. Dividend Rate minus 2.00% |
| $250.01 to $500.00 | 1-Year Cert. Dividend Rate minus 1.50% |
| $500.01 to $750.00 | 1-Year Cert. Dividend Rate minus 1.00% |
| $750.01 to $1,000.00 | 1-Year Cert. Dividend Rate minus 0.50% |
|
$1,000.01 and up *Account Limit |
1-Year Cert. Dividend Rate *Minimum rate equal to current Share/Savings Rate |
| Dividends Compounded | Monthly |
| Dividends Credited | Monthly |
| Dividends Period | Monthly |
| Balance Requirements | |
| Minimum Opening Balance | $0.00 |
|
Minimum Required Balance |
$1.00 |
| Balance Method | Average Daily Balance |
| TRANSACTION LIMITATIONS: | |
| Additional Deposits: Allowed | |
| Dividend Withdrawal: Allowed Monthly | |
| Renewal: Automatic | |