Adventure looks good with NorState.
Whether you’re buying your next car, truck, camper, boat, ATV, snowmobile, tractor, or other recreational vehicle, NorState Federal Credit Union can help you get there with competitive rates, flexible terms, and local service.
Vehicle Loan Benefits
- Competitive rates for vehicle and recreational purchases
- Repayment options designed to fit your budget
- Protect your investment with optional CU Certified
- Apply for financing or get pre-approved before you shop
Finance Your Next Purchase
NorState offers financing for new and used:
Cars & Trucks
Motorcycles & ATVs
Snowmobiles
Boats & Personal Watercraft
Motorhomes & RVs
Campers & Travel Trailers
Tractors
And More
- Finance a new or used vehicle:
- Car or truck
- Campers and travel trailers
- Snowmobiles
- Motorhomes and RVs
- And more
- Flexible terms designed to fit your monthly budget or seasonal riding habits
- Quick and easy application process with local decisions
- Discounted rates may be available through LuvMyCU Perks
- Rates vary depending on your credit history and score
- Work with a trusted local credit union that puts your financial wellness first
- Protect your ride with CU Certified
- Optional Life, Disability, and Unemployment Debt Protection Available
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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) |
| 60 months | 5.75% |
| 72 months | 6.44% |
| 84 months | 6.44% |
| 120 months | 7.13% |
| 144 months | 7.63% |
| 180 months(Model year 2025 and 2024 only) | 8.13% |
*APR - Annual Percentage Rate varies depending on your credit history and score. Rates may change without notice. See a loan officer for more details.
*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. Account transfer limitations apply. |
Home Equity Loans Fixed Rate
| Term | *APR (as low as) |
| 10-Year Fixed | 6.50% |
| 15-Year Fixed | 6.75% |
| 20-Year Fixed |
7.25% |
* 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.
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) | *APR (as low as) |
| 20% Down Payment | 10% Down Payment | |
| 10 year fixed | 6.50% APR | 7.00% APR |
| 15 year fixed | 6.75% APR | 7.25% APR |
| 20 year fixed | 7.25% APR | 7.75% APR |
| 30 year fixed |
7.45% APR |
7.95% APR |
*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.
Personal Loans
| Term | *APR (as low as) |
| up to 60 months | 11.90% |
* APR - Annual Percentage Rate may change without notice. Your rate is based on your credit history and score.
Powersports Loans
| Term (2022 or newer) | *APR (as low as) |
|---|---|
| 24 months | 4.99% |
| 36 months | 4.99% |
| 48 months | 4.99% |
| 60 months | 5.74% |
| 72 months | 5.74% |
| 84 Months | 6.50% |
*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.
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
No dividends paid on share draft accounts
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 (2022 or newer) | *APR (as low as) |
|---|---|
| 24 months | 4.99% |
| 36 months | 4.99% |
| 48 months | 4.99% |
| 60 months | 5.75% |
| 72 months | 5.75% |
| 84 Months | 5.75% |
*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.
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 Share Account 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 | |
