78 Fox St
Madawaska, ME 04756
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.15% 0.85% →
1-Year CD 0.60% 0.70% →
2-Year CD 0.80% 0.75% →
5-Year CD 1.20% 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Norstate is an NCUA insured institution located in Madawaska, ME. It was founded in 1941 and has approximately $232.97 millions in assets.

Who can join?

Membership Eligiblity:

If you live, work, worship or attend school in any of the following counties in Maine, you qualify for membership:

Aroostook County
Northern Penobscot County

Family members of current union members are also eligible to join.

NCUA Insured Yes / Federally Chartered
Charter Number # # 4261
Date Established 1941
Assets $232.97 million
Loans $166.91 million
Deposits $200.87 million
Capital $28.45 million

Field of Membership Restrictions

Membership is open to those who live, work, worship or attend school in Aroostook County or Northern Penobscot County.

Deposit Rates - August 3, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.15% $2,500 $4,999 Learn More
Money Market
0.30% $2,500 $2,999 Learn More
Money Market
0.30% $10,000 $14,999 Learn More
Money Market
0.40% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.40% $10,000 $14,999 Learn More
6 Mo CD
0.40% $100,000 $199,999 Learn More
12 Mo CD
0.60% $10,000 $14,999 Learn More
12 Mo CD
0.60% $100,000 $199,999 Learn More
18 Mo CD
0.70% $10,000 $14,999 Learn More
18 Mo CD
0.70% $100,000 $199,999 Learn More
24 Mo CD
0.80% $10,000 $14,999 Learn More
24 Mo CD
0.80% $100,000 $199,999 Learn More
36 Mo CD
0.90% $10,000 $14,999 Learn More
36 Mo CD
0.90% $100,000 $199,999 Learn More
48 Mo CD
1.10% $10,000 $14,999 Learn More
48 Mo CD
1.10% $100,000 $199,999 Learn More
60 Mo CD
1.20% $10,000 $14,999 Learn More
60 Mo CD
1.20% $100,000 $199,999 Learn More
Variable IRA Rates APY MIN MAX
0.40% $1 $499 Learn MoreShow Less

Loan Rates - August 3, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for NORSTATE

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
CIT Bank
NMLS ID: 541760
2.775% 2.700% 1.00 $2,455 $1,014 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR
1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.



Below are Norstate branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Norstate Locations

Financial Details

Norstate Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Norstate. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Norstate U.S. Average
2.88% 4.38

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 31, 2021, Norstate had $684,910 in non-current loans and $180,000 in owned assets. To cover these potential losses it had $28,446,412 in net worth and $1,560,062 in loans loss reserves. That gives it a Texas Ratio of 2.88%.

Net Worth
Norstate U.S. Average
12.21% 12.20%

Norstate FCU has a net worth of 12.21% versus the BestCashCow average of 12.20. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Norstate

Branches and Savings

What is Norstate?

A federal credit union, registered with the NCUA under certificate #4261.
Learn more about credit unions here.

Is Norstate FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Norstate is insured by the NCUA.

Who can join Norstate?

Please see Field of Membership information above for information on who is eligible to join.

What are Norstate's share account and share certificate rates?

Norstate's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Norstate?

Norstate has total capital of $28.45 million. Full information on Norstate's financial position is located above.

Who owns Norstate?

Credit Unions are owned by their members.

Where are Norstate branches located?

See branch locations nearby.

Are Norstate ATMs Open 24/7?

Do Norstate ATMs accept cash deposits?

Can Norstate customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Norstate have a mobile app?

Does Norstate have mobile deposit?

Does Norstate have quick pay?

How can Norstate transfer money to other banks or credit unions?

Does Norstate report to credit bureaus?

Does Norstate use Chexsystems?

Does Norstate use Equifax?

What is Norstate's toll free phone number?

What is Norstate's ACH Routing Number?

What is Norstate's SWIFT code?

Where can I find Norstate's wire transfer form?

What is the Norstate address for deposits?

What Products Does Norstate Offer

Does Norstate offer mortgages?

Compare mortgage rates here.

Does Norstate offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Norstate offer auto and RV loans?

Compare auto loan rates here.

Does Norstate offer student loans or personal loans?

Compare personal loan rates here.

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