Credit union · NCUA insured
NorState Federal Credit Union Savings Rates
Top CarrotNorState Federal Credit Union’s best savings rate is 2.00% APY on $10,000, with its Money Market /Flex Account. Rates checked October 22, 2026.
How NorState Federal Credit Union’s savings rates compare
Compared with banks and credit unions in Maine, where NorState Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
NorState Federal Credit Union
2.00%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $200
Money Market /Flex Account
Top rate
Lighthouse Credit Union
3.85%APY
- Minimum
- —
- Earns on $10,000 a year
- $385
2nd-highest rate
Northeast Bank
3.50%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $350
NorState Federal Credit Union savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0002.00%
- $10,000 balance$10,0002.00%
- $100,000 balance$100,0002.50%
- QualifiedQualified2.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where NorState Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market /Flex Account
2.00%APY
Dividends compounded and credited monthly, calculated using average daily balance. Maximum of 6 pre-authorized, automatic, telephone, check, draft, or debit card transfers per month. Minimum of $500 per withdrawal or deposit.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $20,000Dividends compounded and credited monthly; calculated by average daily balance method. Minimum required balance to earn dividends is $1,000.00. Minimum deposit/withdrawal is $500. Transfer limits apply (maximum 6 per month). | 2.00% | $200 | Dividends compounded and credited monthly; calculated by average daily balance method. Minimum required balance to earn dividends is $1,000.00. Minimum deposit/withdrawal is $500. Transfer limits apply (maximum 6 per month). |
| $20,000 – $75,000Dividends compounded and credited monthly; calculated by average daily balance method. Minimum required balance to earn dividends is $20,000.00. Minimum deposit/withdrawal is $500. Transfer limits apply (maximum 6 per month). | 2.25% | — | Dividends compounded and credited monthly; calculated by average daily balance method. Minimum required balance to earn dividends is $20,000.00. Minimum deposit/withdrawal is $500. Transfer limits apply (maximum 6 per month). |
| $75,000 – $150,000Dividends compounded and credited monthly; calculated by average daily balance method. Minimum required balance to earn dividends is $75,000.00. Minimum deposit/withdrawal is $500. Transfer limits apply (maximum 6 per month). | 2.50% | — | Dividends compounded and credited monthly; calculated by average daily balance method. Minimum required balance to earn dividends is $75,000.00. Minimum deposit/withdrawal is $500. Transfer limits apply (maximum 6 per month). |
| $150,000 and upDividends compounded and credited monthly; calculated by average daily balance method. Minimum required balance to earn dividends is $150,000.00. Minimum deposit/withdrawal is $500. Transfer limits apply (maximum 6 per month). | 2.75% | — | Dividends compounded and credited monthly; calculated by average daily balance method. Minimum required balance to earn dividends is $150,000.00. Minimum deposit/withdrawal is $500. Transfer limits apply (maximum 6 per month). |
Sources (2)
All captured Oct 3, 2026
Share Account
0.05%APY
Membership eligibility required (live, work, worship, or attend school in Aroostook County or Northern Penobscot County, or family member of existing member). $25 minimum balance required to maintain membership. Account transfer limitations apply (up to 6 transfers per month).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and credited monthly based on average daily balance.Any balance | 0.05% | $5 | Dividends compounded and credited monthly based on average daily balance. |
Special-purpose accounts
Individual Retirement Account (IRA)
0.40%APY
Available as Regular (Traditional), Roth, and Educational IRAs. Withdrawals and deposits are subject to Federal Regulations. Variable dividends paid monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and credited monthly based on average daily balance.Any balance | 0.40% | $40 | Dividends compounded and credited monthly based on average daily balance. |
Sources (3)
- norstatefcu.org/accounts/index.htm
- norstatefcu.org/accounts/ira.htm
- norstatefcu.org/accounts/rates.htm
All captured Oct 3, 2026
Club Account
0.05%APY
Includes All-Purpose Club, Christmas Club, and Alternate Medical Club accounts. Account transfer limitations apply. Christmas Club allows only a single withdrawal; withdrawal requires closure and account is closed on or after October 1 by transfer account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and credited monthly based on average daily balance.Any balance | 0.05% | $5 | Dividends compounded and credited monthly based on average daily balance. |
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.