Access your NFCU accounts with iTalk Telephone Banking.
With NorState’s iTalk service, you can check balances, review account history, transfer funds, and more.
Benefits of Telephone Banking
- Free toll-free access to account information
- Up-to-date balances and account history
- Quick fund transfers between accounts
NorState FCU is as close as your telephone. Get up-to-the-minute information about your account — like having your own personal teller.
- Account balances
- Account histories
- Funds transfer
- Account management
To Get Started with iTalk Telephone Banking
Follow these steps to enroll:
- Call your local number (see below). If your area of service is not listed, call us toll free (855) 780-6179
- Enter your account number
- Enter your SSN
- Create a secure PIN for your account
To access your account:
- Call your local number (see below). If your area of service is not listed, call us toll free (855) 780-6179
- Press 1 for touch tone
- Enter your account number
- Enter your secure PIN
- Enter the last 4 Digits of your SSN or TIN
Find your local iTalk number below:
Local 1: (207) 436-6106
- Madawaska (207) - 728, 436, 316
- Frenchville (207) - 543
- Grand Isle (207) - 895
- Edmundston, NB (506) - 223, 253, 254, 353, 733, 735, 736, 737, 739, 740
Local 2: (207) 484-4000
- Van Buren (207) - 484, 868
- Limestone (207) - 325, 328, 999
- Caribou (207) - 492, 493, 496, 498
- New Sweden (207) - 896
- St. Leonard, NB (506) - 390, 421, 423, 824
Local 3: (207) 554-1003
- Presque Isle (207) - 227, 540, 551, 554, 760, 762, 764, 768, 769
- Mars Hill (207) - 425, 429
- Ashland (207) - 435
- Washburn (207) - 455
- Fort Fairfield (207) - 472, 473, 476
- Easton (207) - 488
For more information:
View the iTalk Guide, or call us at (800) 804-7555.
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 | |