Norstate Credit Union

Madawaska, Maine
Last verified: August 4, 2026
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Verified rate book

Current Norstate Credit Union rates

39 published offers verified as of August 4, 2026.

How we verify rates

Mortgage rates

7 offers
Norstate Credit Union mortgage rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
30-Year Fixed30 year fixed7.250% APR7.250%—Standard
15-Year Fixed15 year fixed6.550% APR6.550%—Standard
15-Year Fixed15 year fixed6.600% APR6.600%—Standard
10-Year Fixed10 year fixed6.250% APR6.250%—Standard
10-Year Fixed10 year fixed6.500% APR6.500%—Standard
20-Year Fixed20 year fixed6.850% APR6.850%—Standard
20-Year Fixed20 year fixed6.950% APR6.950%—Standard

Auto & vehicle rates

9 offers
Norstate Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
24-Month RV Loanrv_any_24mo4.140% APR4.140%24 moStandard
24 Months (22-26)auto_any_24mo4.140% APR4.140%24 moStandard
48 Months (22-26)auto_any_48mo4.140% APR4.140%48 moStandard
36 Months (22-26)auto_any_36mo4.140% APR4.140%36 moStandard
Auto Loanauto4.140% APR4.140%—Standard
60 Months (22-26)auto_any_60mo4.390% APR4.390%60 moStandard
72 Months (22-26)auto_any_72mo4.740% APR4.740%72 moStandard
84 Months (22-26)auto_any_84mo5.490% APR5.490%84 moStandard
180 months(Model year 2025 and 2024 only)auto_any_180mo8.130% APR8.130%180 moStandard

HELOC rates

2 offers
Norstate Credit Union heloc rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Interest Only Programheloc6.750% APR6.750%—Standard
Home Equity Loan (Variable)heloc_variable15.000% APR15.000%—Standard

Personal loan rates

1 offer
Norstate Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Unsecured Personal Loanpersonal_unsecured11.900% APR11.900%—Standard

Savings & CD rates

19 offers
Norstate Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Money Marketmoney_market0.05% APY0.05%—Standard
Share/Savingssavings0.05% APY0.05%—Standard
IRAira0.40% APY0.40%—Standard
Money Market /Flex Accountmoney_market2.00% APY1.98%—Standard
Money Market /Flex Accountmoney_market2.25% APY2.23%—Standard
Money Market /Flex Accountmoney_market2.50% APY2.47%—Standard
Money Market /Flex Accountmoney_market2.75% APY2.72%—Standard
48-Month IRA Certificateira_cd_48mo3.50% APY3.45%48 moStandard
48-Month Certificateshare_certificate_48mo3.50% APY3.45%48 moStandard
36-Month IRA Certificateira_cd_36mo3.55% APY3.49%36 moStandard
36-Month Certificateshare_certificate_36mo3.55% APY3.49%36 moStandard
24-Month IRA Certificateira_cd_24mo3.65% APY3.59%24 moStandard
24-Month Certificateshare_certificate_24mo3.65% APY3.59%24 moStandard
18-Month Certificateshare_certificate_18mo3.68% APY3.62%18 moStandard
18-Month IRA Certificateira_cd_18mo3.68% APY3.62%18 moStandard
6-Month Certificateshare_certificate_6mo3.70% APY3.64%6 moStandard
Certificatecd3.70% APY3.70%—Standard
6-Month IRA Certificateira_cd_6mo3.70% APY3.64%6 moStandard
60-Month Certificatecd_60mo5.75% APY5.75%60 moStandard

Other rates

1 offer
Norstate Credit Union other rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Current Promotionsother3.990% %3.990%—Standard

As of August 4, 2026, Norstate Credit Union offers a 30-year fixed mortgage at 7.25% APR. Vehicle loans available from 4.14% APR for 24 months. HELOC rates from 6.75% APR. Personal loan rates from 11.9% APR. Savings and certificate yields up to 5.75% APY.

Source: RateAPI.dev, verified from Norstate Credit Union's official website

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About Norstate Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
14.1K
Assets
$280.4M
Founded
1941
Locations reported
6
NCUA charter
4261
Charter type
Federal credit union

Services and member support

  • Online membership application
  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile check deposit
  • Mobile payments
  • Financial education
  • First-time homebuyer program
  • Bilingual services
  • Student scholarships

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

AcadiaMadawaska Office · Madawaska · ME · 04756-1510Branch in the same ZIPThe CountyCaribou Branch · Caribou · ME · 04736About 31.0 miles awayUniversityPresque Isle · Presque Isle · ME · 04769About 46.1 miles awayEastmillEastmill Federal Credit Union · Patten · ME · 04765-3242About 87.8 miles awayKatahdinIsland Falls Branch · Island Falls · ME · 04747About 93.7 miles awayLincoln MaineLINCOLN MAINE FEDERAL CREDIT UNION · LINCOLN · ME · 04457About 130.1 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join Norstate Credit Union

Membership eligibility from Norstate Credit Union's own published criteria. How we verify this.

Membership criteria are published on Norstate Credit Union's website. Check the membership page below to confirm whether you qualify.

Verified from Norstate Credit Union's membership page. Final membership determination is always made by the credit union.

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Frequently Asked Questions

What rates does Norstate Credit Union offer?

Norstate Credit Union currently offers mortgage, vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are Norstate Credit Union rates updated?

RateAPI verifies Norstate Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.

Where does RateAPI get Norstate Credit Union's rate data?

Rate data is collected directly from Norstate Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Norstate Credit Union's mortgage rate?

As of August 4, 2026, Norstate Credit Union offers a 30-year fixed mortgage at 7.25% APR.

What are Norstate Credit Union's auto & rv loan rates?

As of August 4, 2026, Norstate Credit Union offers vehicle loans from 4.14% APR.

What is Norstate Credit Union's HELOC rate?

As of August 4, 2026, Norstate Credit Union offers home equity lines of credit from 6.75% APR.

What is Norstate Credit Union's personal loan rate?

As of August 4, 2026, Norstate Credit Union offers personal loans from 11.9% APR.

What is Norstate Credit Union's best CD rate?

As of August 4, 2026, Norstate Credit Union offers savings and certificate (CD) yields up to 5.75% APY.

Related Rate Data

Compare Norstate Credit Union's rates against national credit-union benchmarks.

More Maine credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal loan ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

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# Get rates for Norstate Credit Union
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  -H "Authorization: Bearer YOUR_API_KEY"
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