NorState Federal Credit Union Rates and Review February 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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NorState Federal Credit Union's IRA CD 18 month rates are at 3.80%, 18 month CD Account rates are at 3.80%, IRA CD 24 month rates are at 3.75%, 24 month CD Account rates are at 3.75%, IRA CD 1 Year rates are at 3.70%. NorState Federal Credit Union's savings rates are at 0.05%. NorState Federal Credit Union's Personal Loan Rates are at 11.90%.
NorState Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available.Have you opened an account or have any experiences at NorState Federal Credit Union? Share your experience about by leaving a review below, or read customer reviews before you decide to use . NorState Federal Credit Union Texas RatioNorState Federal Credit Union's Texas Ratio is at 12.25%, which is considered excellent. The Texas Ratio for NorState Federal Credit Union is higher than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that NorState Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
NorState Federal Credit Union has earned a Smart Rating of 5.0 out of 5 stars. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions. Overall, NorState Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesProduct
APY/APR
vs.Avg
"N/A" indicates the product is not offered or the rate is unavailable.
NorState Federal Credit Union
Madawaska Office 78 Fox St
Madawaska, ME 04756 
NorState Federal Credit Union CD Rates
NorState Federal Credit Union Savings Rates
NorState Federal Credit Union Checking Rates
NorState Federal Credit Union Mortgage Rates
NorState Federal Credit Union Home Equity & HELOC
NorState Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for NorState Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather NorState Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with NorState Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & OverviewCredit Union Name: NorState Federal Credit Union
Website: https://www.norstatefcu.org
Full Time Employees: 75Part Time Employees: 6 President: Leigh Smith CEO: Jeffrey Davenport Branch Locations: 6 ATM Locations: 6 Corporate Office Address:
78 Fox St
Madawaska, ME 04756 Phone Number: 207-728-7555 Fax Number: 207-728-6731 FinancialsTotal Assets:
274,743,322
Total Amount of Shares and Deposits:
239,923,774
Total Shares and Deposits < 1 Year:
194,145,621
Total Shares and Deposits 1 3 Years:
32,942,085
Total Shares and Deposits > 3 Years:
12,836,068
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
32,151,067
Total Uninsured Shares and Deposits > $250K (F+J):
32,151,067
Total Insured Shares and Deposits > $250K (item 17 less item K):
207,772,707
Total Interest Expense (Sum of items 6 8):
3,953,319
Share Certificates:
2,413
Number of Accounts for Share Drafts:
9,223
IRA KEOGH Accounts:
1,803
Number of Accounts for Regular Shares:
20,376
All other shares:
682
Money Market Shares:
594
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
3,839,204
Total Liabilities:
245,516,962
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About NorState Federal Credit UnionIs a member application needed to join NorState Federal Credit Union?Yes, to access services at NorState Federal Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, NorState Federal Credit Union provides a range of mortgage and home equity products. Is NorState Federal Credit Union a safe place to deposit money?Yes, NorState Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does NorState Federal Credit Union offer online and mobile banking?Most modern institutions like NorState Federal Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
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