D E C E M B E R 2 0 1 8 3 9 Dollars & Sense adobe stock: mandritoiu Bank On It From Staff & Wire Reports R ates change as rapidly as Maine’s weather, so how do you navigate the labyrinth of checks and balances? Banks across the state are ready to guide you and make a few offers along the way. ANDROSCOGGINBANK androscogginbank.com Branches:12;Non-customerATMcharge:$3;RefundATM surcharges:Upto$6-9withcertainaccounts Checkingaccountfee:$5/monthforBlueWaveBasicPer- sonalCheckingAccount HighestsavingsaccountAPY&terms:1.10%,$100,000min. CreditcardAPRsforA,B,Ccreditscores:15.99%-24.99% BestAPRfor60-monthautoloan:3.75%forcustomers Lowest30-yearfixedrateres.mortgageAPR:4.899% Lowestres.mortgageAPR&terms:4.416%,15-yearfixed HighestAPYopportunity:2.25%,25monthCD,$500 min.deposit HighestCDAPY&terms:2.62%,18monthvariablerateIRA CD,$500min.deposit BestAPYfor12-monthIRA:.25%,$500min.deposit AUBURN SAVINGSBANK auburnsavings.com Branches:2;Non-customerATMcharge:$3;RefundATMsur- charges:Someaccountsreceiverefundsofup$10/month Checkingaccountfee:Min.$25depositforClassicCheck- Keep your options in line and the savings pile up. ing,nomonthlyfee HighestsavingsaccountAPY&terms:Tieredsystemde- pendsonaccountbalance:$25-$2,499,.05%annualyield of.05;$2,500-$149,999,.10%annualyield;$150,000and over–.15%annualyield. CreditcardAPRsforA,B,Ccreditscores:N/A BestAPRfor60-monthautoloan:4.256% Lowest30-yearfixedrateres.mortgageAPR:5.250% Lowestres.mortgageAPR&terms:4.750%,15-yearfixed HighestAPYopportunity:2.50%,2-yearfixedCD&IRA, $500min.deposit HighestCDAPY&terms:2.50%,2-yearfixedCD&IRA, $500min.deposit BestAPYfor12-monthIRA:.25%(orcurrentspecialof 1.95%forqualifyingcustomers) BANGORSAVINGS bangor.com Numberofbankbranchesinstate:56;Non-customerATM charge:$3.50;RefundATMsurchargesforcustomers?:Yes; Checkingaccountfee?:NoneforBenefitCheckingorBen- efit62Checking HighestsavingsaccountAPY&terms:BenefitMoneyMar- ket.60%$100,000min.deposit BestAPRfor60-monthautoloan:5.67%foranewcarwith 700+creditscore* Lowest30-yearfixedrateres.mortgageAPR:5.244%for conventional30-yearfixedrate* Lowestres.mortgageAPR&terms:4.79%,for10-yearfixed* HighestAPYopportunity:1.92%,5-yearCD,requiresBen- efitPlusCheckingAccount,$500min.deposit.NonBen- efitPlus:1.66%APY HighestCDAPY&terms:1.92%,5-yearCD,requiresBene- fitPlusCheckingAccount,$500min.deposit.NonBenefit Plus:1.66%APY BestAPYfor12-monthIRA:1.16%requiresBenefitPlus CheckingAccount,$500min.;*Basedoncreditscore BANKOFAMERICAbankofamerica.com Branches:16;Non-customerATMcharge:$3;RefundATM surcharges:Withsomeaccounts Checkingaccountfee:$12forabasicaccount,nonewhen certainrequirementsaremet HighestsavingsaccountAPY&terms:.03%withRewards MoneyMarketSavingsAccount.06%withPreferredRe- wardsPlatinumHonorstierAPY CreditcardAPRsforA,B,Ccreditscores:16.99%-24.99% BestAPRfor60-monthautoloan:3.44%withnewcar Lowest30-yearfixedrateres.mortgageAPR:4.396% (basedon$200,000loaninPortland) Lowestres.mortgageAPR&terms:4.397%,15-yearfixed (basedon$200,000loaninPortland) HighestAPYopportunity:1.00,10-yearfixedCD HighestCDAPY&terms:1.00%,10-yearfixed BestAPYfor12-monthIRA:.05%,$1,000min.deposit BAR HARBORBANK&TRUSTbhbt.com Branches:14;Non-customerATMcharge:$1.50;Refund ATMsurcharges:Yes Checkingaccountfee:$8forPreferredChecking HighestsavingsaccountAPY&terms:.20%,$50,000 min.deposit Credit card APRs for A, B, C credit scores: 15.99% to 24.99%, Visa Signature Real Rewards and Cash Re- wards American Express BestAPRfor60-monthautoloan:5.54%baselinewitha newvehicle Lowest30-yearfixedrateres.mortgageAPR:5.080% Lowestres.mortgageAPR&terms:3.836%,10-yearfixed