Credit union · NCUA insured
NorState Federal Credit Union Credit Card Rates
Top CarrotNorState Federal Credit Union credit cards start at 10.90% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How NorState Federal Credit Union’s credit card rates compare
Compared with banks and credit unions in Maine, where NorState Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
NorState Federal Credit Union
10.90%APR
- Up to
- —
VISA Rewards Credit Card
Lowest rate
Oxford Federal Credit Union
6.90%APR
- Up to
- 17.90% APR
2nd-lowest rate
Lincoln Maine FCU
7.90%APR
- Up to
- —
NorState Federal Credit Union credit card score
79
Credit card score
Higher than 48% of U.S. banks and credit unions
- Purchase APRPurchase APR10.90%
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 credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
VISA Rewards Credit Card
Risk based pricing – rate varies depending on your credit history and score. Credit limit up to $10,000. Cash advances receive the same low annual percentage rate (compounded daily). 25 day grace period on new purchases. 2% payment of your outstanding balance.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.90% | None | Variable Rate. APR as low as; rate varies depending on credit history and score. No annual fee. Costs associated with use of card. |
Sources (2)
All captured Oct 3, 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This may be incomplete or out of date, so check with the credit union before you apply.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.