Credit union · NCUA insured
NorState Federal Credit Union Auto Loan Rates
Top CarrotNorState Federal Credit Union auto loans start at 4.69% APR for a new vehicle and 4.69% for a used one. Rates checked October 22, 2026.
How NorState Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions in Maine, where NorState Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
NorState Federal Credit Union
4.69%APR
- Terms
- up to 60 months
Vehicle Loans
Lowest rate
Coast Line Credit Union
3.95%APR
- Terms
- up to 60 months
2nd-lowest rate
TruGrocer Federal Credit Union
3.99%APR
- Terms
- 24–84 months
NorState Federal Credit Union auto loan score
88
Auto loan score
Higher than 84% of U.S. banks and credit unions
- New vehicleNew4.69%
- Used vehicleUsed4.69%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where NorState Federal Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Vehicle Loans
Rates shown for model years 2022-2026. Annual Percentage Rate varies depending on your credit history and score. Contact credit union for rates on vehicles 2021 or older. LuvMyCU PERKS loyalty discounts may apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.49% | Model years 2022-2026. Rate is APR as low as based on credit score. |
| up to 36 months | 4.49% | Model years 2022-2026. Rate is APR as low as based on credit score. |
| up to 48 months | 4.49% | Model years 2022-2026. Rate is APR as low as based on credit score. |
| up to 60 months | 4.69% | Model years 2022-2026. Rate is APR as low as based on credit score. |
| up to 72 months | 4.94% | Model years 2022-2026. Rate is APR as low as based on credit score. |
| up to 84 months | 5.89% | Model years 2022-2026. Rate is APR as low as based on credit score. |
Sources (2)
All captured Oct 15, 2026
Who can join NorState Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, worship, or attend school in Aroostook County, Maine.
- Membership is open to individuals who live, work, worship, or attend school in Northern Penobscot County, Maine.
Family and household
- Membership is open to individuals who have a family member who is an existing member.
Membership information collected October 4, 2026.