dollars & sense 34 p o r t l a n d monthly magazine Best APY for 12-month IRA: 0.25% (or current special of 1.06% for qualifying customers) Electronic check scanning on mobile devices: No BANGOR SAVINGS bangor.com Number of bank branches in state: 56; 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 0.30%, $100,000 min. deposit Credit card APRs for A, B, C credit scores: 10.99% to 23.99% (purchase APR) Best APR for 60-month auto loan: 5.04% Lowest 30-year fixed rate res. mortgage APR: 4.363% Lowest res. mortgage APR & terms: 3.500%, for 15-year fixed Highest APY opportunity: 1.46%, 5-year CD as a non- Benefit Plus Checking Account member Highest CD APY & terms: 1.46%, 5-year as a non- Benefit Plus Checking Account member, jumps to 1.56% as a Benefit Plus Checking Account member Best APY for 12-month IRA: 0.50% requires Benefit Plus Checking Account, $500 min. Electronic check scanning on mobile devices?: Yes BANK OF AMERICA bankofamerica.com Branches: 16; Non-customer ATM charge: $5 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 Re- wards Money Market Savings Account, Highest APY opportunity: 1.15%, 35-month CD, $10,000 min. deposit Highest CD APY & terms: 1.15%, 35-month CD, $10,000 min. deposit Best APY for 12-month IRA: 0.25%, $500 min. deposit Electronic check scanning on mobile devices: Yes Game Changer: “Our personalized relation- ship banking helps our clients care for their families, grow their businesses, and plan for the future. At Androscoggin Bank you will find the smarter banking you deserve.” –Paul Andersen, President and CEO AUBURN SAVINGS BANK auburnsavings.com Branches: 2; Non-customer ATM charge: $3 Refund ATM surcharges: Some accounts will re- ceive refunds of up $10/month Checking account fee: Classic Connect account is free; Click Connect account is $3/month, or free if you meet requirements. Highest savings account APY & terms: Health Savings Account: 0.35% for $25 minimum for ac- count opening; Money Market Complete Account: 0.35% for $200,000 minimum Credit card APRs for A, B, C credit scores: N/A Best APR for 60-month auto loan: 3.516% Lowest 30-year fixed rate res. mortgage APR: 5.044% Lowest res. mortgage APR & terms: 4.325%, 15-year fixed Highest APY opportunity: 1.35% CD/IRA, 5-year fixed, $500 min. deposit (or current 1.55% 30-month CD/IRA special) Highest CD APY & terms: 1.35%, 5-year fixed, $500 min. deposit (or current 1.55% 30-month special) jumps to 0.06% for Preferred Rewards Platinum Honors tier APY Credit card APRs for A, B, C credit scores: 12.99% - 22.99% Best APR for 60-month auto loan: 2.79% with new car Lowest 30-year fixed rate res. mortgage APR: 4.196% Lowest res. mortgage APR & terms: 3.619%, 15-year fixed Highest APY opportunity: 1.00%, 10-year fixed CD Highest CD APY & terms: 1.00%, 10-year fixed BestAPYfor12-monthIRA: 0.05%,$2,000min.deposit Electronic check scanning on mobile devices: Yes BATH SAVINGS INSTITUTION bathsavings.com Branches: 13; Non-customer ATM charge: $2 Refund ATM surcharges: No Checking account fee: None for eChecking NOW accounts with eStatements Highest savings account APY & terms: 0.12% Super Savings Account Credit card APRs for A, B, C credit scores: N/A Best APR for 60-month auto loan: 4.292% for a new car Lowest 30-year fixed rate res. mortgage APR: 4.306% Lowest res. mortgage APR & terms: 3.723%, 15-year fixed Highest APY opportunity: 0.95% for a 5.75 year, $500 min. deposit Highest CD APY & terms: 0.95% for a 5.75 year, $500 min. deposit Best APY for 12-month IRA: 0.15%, $500 min. deposit Electronic check scanning on mobile devices: Yes Game Changer: “At Bath Savings you can make a difference in your community with the “We’re the first credit union in the nation to launch an Alexa Skill, a voice- activated banking app that works with Amazon’s Alexa device.” –Linda Halleran,Town and Country Federal Credit Union Portland Paddle