Page 1 Page 2 Page 3 Page 4 Page 5 Page 6 Page 7 Page 8 Page 9 Page 10 Page 11 Page 12 Page 13 Page 14 Page 15 Page 16 Page 17 Page 18 Page 19 Page 20 Page 21 Page 22 Page 23 Page 24 Page 25 Page 26 Page 27 Page 28 Page 29 Page 30 Page 31 Page 32 Page 33 Page 34 Page 35 Page 36 Page 37 Page 38 Page 39 Page 40 Page 41 Page 42 Page 43 Page 44 Page 45 Page 46 Page 47 Page 48 Page 49 Page 50 Page 51 Page 52 Page 53 Page 54 Page 55 Page 56 Page 57 Page 58 Page 59 Page 60 Page 61 Page 62 Page 63 Page 64 Page 65 Page 66 Page 67 Page 68 Page 69 Page 70 Page 71 Page 72 Page 73 Page 74 Page 75 Page 76 Page 77 Page 78 Page 79 Page 80 Page 81 Page 82 Page 83 Page 84 Page 85 Page 86 Page 87 Page 88 Page 89 Page 90 Page 91 Page 92 Page 93 Page 94 Page 95 Page 96 Page 97 Page 98 Page 99 Page 100Are you looking to grow your small business? Let the SBA experts at Northeast Bank help get you started. As an SBA Preferred Lender, we’ll provide you with: • A Team of highly experienced SBA specialists • A fast, efficient application process • Access to the credit you need to build a successful business We understand small business. To learn more, contact me today: Jonathan W. Smith Director of SBA Lending p: 800.284.5989 x3267 c: 603.812.8278 jsmith@northeastbank.com 52 p o r t l a n d monthly magazine dollars & sense Game Changer: “We offer the Wealth Builder Home Loan, a mortgage that builds equity in your home twice as fast as a traditional 30-year loan, and we’re the only bank in Maine offering this kind of loan.” –Melissa Rock, Director of Marketing and Client Relations AUBURN SAVINGS BANK auburnsavings.com Branches: 2; Non-customer ATM charge: $3 Refund ATM surcharges: Some accounts will receive refunds of up $10/month. Checking account fee: Classic Connect account is free. Highest savings account APY & terms: Money Market 0.35% for $200,000 minimum. Credit card APRs for A, B, C credit scores: N/A Best APR for 60-month auto loan: 4.5% Lowest 30-year fixed rate res. mortgage APR: 3.54% Lowest res. mortgage APR & terms: 2.947%, 15-year fixed. Highest APY opportunity: 1.15%, 1-year fixed CD, $500 min. deposit Highest CD APY & terms: 1.15%, 12 month fixed, $500 min. deposit Best APY for 12-month IRA: 0.25% Electronic check scanning on mobile devices: No Game Changer: “We offer tailored financial servic- es to best suit our clients needs, and our custom- er service is truly exceptional. We really listen to our customers–many even have my personal cell phone number!” –Bill Tracy, President and CEO BANGOR SAVINGS bangor.com Number of bank branches in state: 54; Non-customer ATM charge: $3.50 Refund ATM surcharges for customers?: Yes Checking account fee?: None for Benefit Checking Highest savings account APY & terms: Benefit Money Market 0.12%, $100,000 min. deposit Credit card APRs for A, B, C credit scores: N/A Best APR for 60-month auto loan: 4.29% for a new car Lowest 30-year fixed rate res. mortgage APR:3.85% Lowest res. mortgage APR & terms: 2.78%, for 10-year fixed or 3.37% APR for 3/1 ARM Highest APY opportunity: 1.36%, 5-year CD, requires Benefit Plus Checking Account; $500 min. deposit Highest CD APY & terms: 1.36%, 5-year, requires Ben- efit Plus Checking Account, $500 min. deposit Best APY for 12-month IRA: 0.25% requires Benefit Plus Checking Account, $500 min. Electronic check scanning on mobile devices?: Yes Game Changer: “The Bangor Savings Bank Foun- dation invests over $1 million dollars in commu- nity initiatives across the state. We were recently ranked Highest Customer Satisfaction with Re- tail Banking in the New England Region” in 2016 by J.D. Power for the second year in a row. –Jillian Rich, Assistant Vice President BANK OF AMERICA bankofamerica.com Branches: 15; Non-customer ATM charge: $3 Refund ATM surcharges: With some accounts Checking account fee: $12 basic. None when certain requirements are met. Highest savings account APY & terms: 0.03% with Rewards Money Market Savings Account Credit card APRs for A, B, C credit scores: 13.24%-23.24% Best APR for 60-month auto loan: 2.39% with new car. Lowest 30-year fixed rate res. mortgage APR: 3.456% Lowest res. mortgage APR & terms: 3.012%, 15-year fixed Highest APY opportunity: 0.15%, 10-year fixed CD Highest CD APY & terms: 0.15%, 10-year fixed Best APY for 12-month IRA: 0.07%, $2,000 min. deposit Electronic check scanning on mobile devices: Yes BAR HARBOR BANK &TRUSTbhbt.com Branches: 14; Non-customer ATM charge: $3.50 Refund ATM surcharges: Yes Checking account fee: No for some accounts Highest savings account APY & terms: 0.07%, $25 min. deposit Credit card APRs for A, B, C credit scores: 12.24%to23.24% Best APR for 60-month auto loan: 4.99% Lowest 30-year fixed rate res. mortgage APR: 3.977% Lowestres.mortgageAPR&terms: 3.231%, 15-year fixed HighestAPYopportunity: 1.75%, 60-month CD, with BHBT checking account and $25,000 min. deposit HighestCDAPY&terms:1.4%,5-yearCD,