88 p o r t l a n d monthly magazine dollars & sense 10-year fixed Highest APY opportunity: 1.81%, 5-year CD, $500 min. deposit Highest CD APY & terms: 1.81%, 5-year, $500 min. deposit Best APY for 12-month IRA: 0.60%, $500 min. deposit Electronic check scanning on mobile devices: Yes Game Changer: “Our mobile banking app al- lows you to apply and get approved for certain loans without having to go into a branch.”–Marcel Blais, Chief Retail Officer MAINE STATE CREDITUNION mainestatecu.org Branches: 3; Non-customer ATM charge: Yes Refund ATM surcharges: Yes between $10-$25 de- pending on your account Checking account fee: None for the Basic Check- ing Account Highest savings account APY & terms: 0.45%, $100,000 min. balance Credit card APRs: 9.99%.-11.90% Best APR for 60-month auto loan: 2.99% Lowest 30-year fixed rate res. mortgage APR: 4.066% Lowest res. mortgage APR & terms: 2.919%, 10-year fixed Highest APY opportunity: 2.00%, 5-year CD, $500 min. deposit Highest CD APY & terms: 2.00%, 5-year, $500 min. deposit Best APY for 12-month IRA: 0.50%, $500 min. deposit Electronic check scanning on mobile devices: Yes MAINE SOLUTIONS FEDERALCREDIT UNION: mesolutionsfcu.org Branches: 19; Non-customer ATM charge: $4 Refund ATM surcharges: With some accounts Checking account fee: No if requirements are met Highest savings account APY & terms: 0.15%, $25,000 min. balance Credit card APRs for A, B, C credit scores: 12.99% to 23.99% (Visa Rewards Card) Best APR for 60-month auto loan: 2.750% Lowest 30-year fixed rate res. mortgage APR: 3.694% Lowestres.mortgageAPR&terms: 2.92%,10-yearfixed min. deposit BestAPYfor12-monthIRA: 0.75%,$500min.deposit Electronic check scanning on mobile devices: Yes BANGOR FEDERALCREDITUNION bangorfederal.com Branches: 3; Non-customer ATM charge: $3 Refund ATM surcharges: No Checking account fee: No Highest savings account APY & terms: 0.40%, Money Market account, $25,000 min. balance Credit card APRs for A, B, C credit scores: 7.9%-10.9% Best APR for 60-month auto loan: 2.49% for a new car Lowest 30-year fixed rate res. mortgage APR: 4.128% Lowest res. mortgage APR & terms: 3.541%, 10-year fixed Highest APY opportunity: 2.12%, 5-year Jumbo CD, $100,000 min. deposit Highest CD APY & terms: 2.12%, 5-year Jumbo CD, $100,000 min. deposit Best APY for 12-month IRA: 1.21%, $100,000 min. balance (2-year) Electronic check scanning on mobile devices: Yes cPORTCREDITUNION cportcu.org Branches: 4; Non-customer ATM charge: $3 Refund ATM surcharges: Some Checking account fee: No Highest savings account APY & terms: 0.35%, Money Market Account, $2,500 min. Credit card APRs for A, B, C credit scores: 12.99%- 17.99% Best APR for 60-month auto loan: 1.85% Lowest 30-year fixed rate res. mortgage APR: 4.50% (up to 15-years) Lowest res. mortgage APR & terms: 3.99%, fixed, 5-year Highest APY opportunity: 1.76%, 5-year CD Highest CD APY & terms: 1.76%, 5-year Best APY for 12-month IRA: 0.35% Electronic check scanning on mobile devices: Yes CUMBERLAND COUNTYCREDIT UNION myccfcu.com Branches: 5; Non-customer ATM charge: No charge if part of the Surf Network Refund ATM surcharges: No Checking account fee: No Highest savings account APY & terms: 0.55%, $75,000 min. balance Credit card APRs for A, B, C credit scores: 7.25%- 12.25% Best APR for 60-month auto loan: 2.40% for new car Lowest 30-year fixed rate res. mortgage APR: 4% Lowest res. mortgage APR & terms: 3.250% 10-year fixed Highest APY opportunity: 2.12%, 5-year, $75,000 min. deposit Highest CD APY & terms: 2.12%, 5-year, $75,000 min. deposit Best APY for 12-month IRA: 1.11%, $75,000 min. Electronic check scanning on mobile devices: Yes Game Changer: “We have four full-time loan of- ficers dedicated to getting members qual- ified for loans.” –Michelle Broderick, VP Marketing INFINITY FEDERAL CREDIT UNION infinityfcu.com Branches: 4; Non-customer ATM charge: $2.50 Refund ATM surcharges: Yes Checking account fee: None with Step Up checking Highest savings account APY & terms: 0.10% KISS Money Market Account Credit card APRs for A, B, C credit scores: As low as 8.90% Best APR for 60-month auto loan: 3.24% Lowest 30-year fixed rate res. mortgage APR: 4.063% Lowest res. mortgage APR & terms: 3.485%, 15-year fixed Highest APY opportunity: 2.32%, Jump Share Cer- tificate, 10-year Highest CD APY & terms: 2.32%, Jump Share Cer- tificate, 10-year Best APY for 12-month IRA: 1.26% Electronic check scanning on mobile devices: Yes Game Changer: “Our mission is to serve more members than any credit union in Maine.” –President/CEO, Elizabeth Hayes MAINE SAVINGS FEDERALCREDIT UNION mainesavings.com Branches: 10; Non-customer ATM charge: Yes Refund ATM surcharges: Yes, if qualified Checking account fee: No Highest savings account APY & terms: 0.5%, RedWal- let Saver, $10,000 min. Credit card APRs for A, B, C credit scores: 9.99%- 18.00% Best APR for 60-month auto loan: 3.09% for a new car Lowest 30-year fixed rate res. mortgage APR: 4.128% Lowest res. mortgage APR & terms: 3.541%, corey templeton