D e c e m b e r 2 0 1 7 3 3 Dollars & Sense corey Templeton This is the Year Your Ship Comes In See what Maine’s banks & credit unions are doing to win you over in 2018. By Christopher Murray E ver dream of kayaking down the rapids of your income stream? All we need is a paddle and a little di- rection. That’s where this compare-and- contrast story comes in. Maine’s financial institutions may be eager to help you nav- igate through the money maze–but which do we choose? Looking for a high-yield checking ac- count? Town & Country Federal Credit Union offers a 3.01% APY on up to $10,000 with Rewards Checking. Want a bank that actually gives back? Bath Savings Institu- tion offers the Neighbor to-Neighbor-pro- ANDROSCOGGIN BANKandroscogginbank.com Branches: 12; Non-customer ATM charge: $2.25 Refund ATM surcharges: With certain accounts Checking account fee: None when minimum deposit requirements are met ($10 if not met) Highest savings account APY & terms: 1.10%, $100,000 min. Credit card APRs for A, B, C credit scores: 8.99% to 26.99% Best APR for 60-month auto loan: 5.32% for customers, 7.85% for non-customers Lowest 30-year fixed rate res. mortgage APR: 4.023% Lowest res. mortgage APR & terms: 3.415%, 15-year fixed gram, where they make a $25 donation to a non-profit of your choice when you open a checking account. Town & Country Feder- al Credit Union caters to the tech-savv, of- fering customers a voice-activated banking app through Amazon’s Alexa Skills device.