Overview / Commentary
78 Fox St
Madawaska, ME 04756

Norstate Federal Credit Union is headquartered in Madawaska and is the 16th largest credit union in the state of Maine. It is also the 1,087th largest credit union in the nation. It was established in 1941 and as of June of 2018, it had grown to 65 employees and 14,145 members at 6 locations. Norstate Federal Credit Union's CD rates are 2X the national average, and it has an A health rating.

Field of Membership Restrictions

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


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Health Grade Components

NCUA #4261
Year Chartered1941
Primary Regulator
Profit Margin
Return on Assets - YTD0.93%
Return on Equity - YTD7.99%
Annual Interest Income$4.4MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$190.2MM$181.3MM
LoansQ2 2018vs Q2 2017$152.5MM$147.4MM
DepositsQ2 2018vs Q2 2017$158.1MM$155.1MM
Equity CapitalQ2 2018vs Q2 2017$22.0MM$20.9MM
Loan Loss AllowanceQ2 2018vs Q2 2017$1.5MM$1.5MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$2.7MM$3.3MM
Real Estate OwnedQ2 2018vs Q2 2017$572.00K$1.1MM
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Norstate Federal Credit Union Savings Account Rates

0.50%--IRA Account
0.30%--Christmas Club
0.30%--All-Purpose Club
0.30%--Alternate Medical Club

Norstate Federal Credit Union Money Market Rates

0.75%*$20k*-Flex Money Market
OTHER TIERS: 0.55% $1k - $20k

Norstate Federal Credit Union CD Rates

3.00%$1k-5 Year Share Certificate
2.80%$1k-4 Year Share Certificate
2.60%$1k-3 Year Share Certificate
2.45%$1k-24 Month Share Certificate
2.20%$1k-18 Month Share Certificate
2.00%$1k-1 Year Share Certificate
1.50%$1k-6 Month Share Certificate

Norstate Federal Credit Union IRA Rates

3.00%$1k-5 Year IRA Certificate
2.80%$1k-4 Year IRA Certificate
2.60%$1k-3 Year IRA Certificate
2.45%$1k-24 Month IRA Certificate
2.20%$1k-18 Month IRA Certificate
2.00%$1k-1 Year IRA Certificate
1.50%$1k-6 Month IRA Certificate

Norstate Federal Credit Union Locations
Branch Office3333 Aroostook RdEagle Lake, ME 04739
Branch Office78 Fox StMadawaska, ME 04756
Branch Office164 Market StFort Kent, ME 04743
Branch Office738 Main StPresque Isle, ME 04769
Branch Office156 Main StVan Buren, ME 04785
Branch Office23 Exchange StAshland, ME 04732

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