KITCHEN CHICKS CATERING WEDDINGS CORPORATE SOCIAL Full Service Event Planning 207-985-0252 KitchenChicks.com 86 p o r t l a n d monthly magazine dollars & sense min. deposit BestAPYfor12-monthIRA: 0.90%,$500min.deposit Electronic check scanning on mobile devices: Yes Game Changer: “We recently launched a Commu- nity Debit Card Program with five of our local school districts and with every non-ATM transac- tion, we’ll donate a portion of the transaction fees to each of the school districts depending on the card you choose.” –Bob Quentin, President & CEO SANFORD INSTITUTION FOR SAVINGS banksis.com Branches: 8; Non-customer ATM charge: Yes Refund ATM surcharges: Yes, with Ultimate Checking Checking account fee: No Highest savings account APY & terms: 0.30%, Money Market, $25,000 min. balance Credit card APRs for A, B, C credit scores: N/A Best APR for 60-month auto loan: 3.0% Lowest 30-year fixed rate res. mortgage APR: 4.034% Lowest res. mortgage APR & terms: 3.474%, 15-year fixed Highest APY opportunity: 1.87%, 5-year, $500 min. deposit Highest CD APY & terms: 1.87%, 5-year, $500 min. deposit Best APY for 12-month IRA: 0.10%, variable, $5,000 min. deposit Electronic check scanning on mobile devices: Yes “Game changer”: “We still have a live person answering the phones during business hours–no more getting stuck in a queue or dealing with outsourced customer service.” –Deborah Mullen VP/Marketing Director SKOWHEGAN SAVINGS BANK skowhegansavings.com Branches: 15; Non-customer ATM charge: Yes Refund ATM surcharges: No Checking account fee: Free when you meet monthly balance requirements Highest savings account APY & terms: 0.30%, Integri- ty Plus Money Market account, $250,000+ balance Credit card APRs for A, B, C credit scores: 12.99% to 23.99% Visa Bonus Rewards Best APR for 60-month auto loan: N/A Lowest 30-year fixed rate res. mortgage APR: 4.632% Lowest res. mortgage APR & terms: 3.625%, 10-year Highest APY opportunity: 1.10%, CD Special for Integrity Plus Customers only, $500 min. to open Highest CD APY & terms: 1.10%, CD Special for Integrity Plus Customers only, $500 min. to open Best APY for 12-month IRA: 0.40% (2-year) Electronic check scanning on mobile devices: Yes TD BANK tdbank.com Branches: 46; Non-customer ATM charge: $3 Refund ATM surcharges: With certain accounts Checking account fee: Free with $100 min. bal- ance (TD Convienience account); Free with $2,500 min. balance (TD Premier account); $5.99 (TD Simple account) Highest savings account APY & terms: 0.75%, $100,00 min. balance and qualified account activity Credit card APRs for A, B, C credit scores: 13.99%, 18.99% or 23.99% Best APR for 60-month auto loan: N/A Lowest 30-year fixed rate res. mortgage APR: 4.00% Lowest res. mortgage APR & terms: 3.550%, 15-year fixed HomeReady Highest APY opportunity: 1.60%, TD Choice Pro- motional CD: 5 years with rate bump ($100,000+ balance), $250 min deposit Highest CD APY & terms: 1.60%, TD Choice Pro-