Buyingahome? WeMakeItEasy Whether it’s your first home or your home away from home, let us do the heavy lifting. With quick, local decisions, less paperwork and low closing costs, it’s almost like we’re doing the moving for you. Bill Hill (right) Regional Vice President Augusta (207) 622-5801 Waterville (207) 872-5563 Winthrop (207) 377-5801 Farmingdale (207) 588-5801 Freeport Loan Center (207) 865-1550 www.KennebecSavings.Bank Dollars & Sense 44 p o r t l a n d monthly magazine surcharges:Yes,specificdollaramountreimbursedper statementcycledependingonaccount Checkingaccountfee:Feeswaivedwithcertaincriteriamet HighestsavingsaccountAPY&terms:PlannedExpenseAc- count,.50%APYonbalancesupto$5,000.00 CreditcardAPRsforA,B,Ccreditscores:0%introductory rate;13.74%-24.74%afterintroperiod,basedoncred- itscore. BestAPRfor60-monthautoloan:4.25% Lowest30-yearfixedrateres.mortgageAPR:5.109% Lowestres.mortgageAPR&terms:4.677%,10-yearfixed JumboConstruction HighestAPYopportunity:18MonthCDSpecial,2.27% APY.$500minimumdeposit. HighestCDAPY&terms:18MonthCDSpecial,2.27%APY. $500minimumdeposit. BestAPYfor12-monthIRA:1.25%,$500min.deposit Newcustomerbenefits:“WeofferaPlannedExpenseAc- counttohelpyoureachyourgoalsquicklyandeasily.The high-yieldsavingsaccountpays.50%APYonbalancesup to$5,000.”—JeanneHulit,President/CEO NORTHEASTBANKnortheastbank.com Branches:10;Non-customerATMcharge:$3.50;Refund ATMsurcharges:Onsomeaccounts Checkingaccountfee:NonewithNortheastExpress HighestsavingsaccountAPY&terms:1.10%APYPearl MoneyMarket CreditcardAPRsforA,B,Ccreditscores:N/A BestAPRfor60-monthautoloan:6.209% Lowest30-yearfixedrateres.mortgageAPR:5.319% Lowestres.mortgageAPR&terms:4.654%,15-yearfixed HighestAPYopportunity:1.10%APYPearlMoneyMarket Highest CD APY & terms: 1.40%, 5-year CD, $500 min. deposit BestAPYfor12-monthIRA:.20%,$500min.deposit Newcustomerbenefits:“Withourhigh-yieldPearlMon- eyMarketaccount,competitiveCDrates,andfullsuiteof residentialmortgageproducts,NortheastBankoffersper- sonalbankingservicesdesignedtofityourneeds.”—Chris Delamater,MarketingDirector NORWAYSAVINGSBANK norwaysavingsbank.com Branches:24;Non-customerATMcharge:$4;RefundATM surcharges:Yes,upto$20forFlexibleSolutionsChecking &FullSolutionsCheckingcustomers.Customershaveac- cessto220+surchargefreeMaineCashAccessATMs. Checkingaccountfee:YeswithFreeSolutionscheckingac- countaswellasinBusinessFreechecking.Nominimum balance,nomonthlyfee. HighestsavingsaccountAPY&terms:10%APYonSolu- tionsSavingsbalances$100,000+(musthaveaFullSolu- tionsorFlexibleSolutionsCheckingaccount) CreditcardAPRsforA,B,Ccreditscores:N/A BestAPRfor60-monthautoloan:Aslowas3.99%witha max.72monthtermonanewcar Lowest30-yearfixedrateres.mortgageAPR:5.201%APR1 points;(ratesadjustdaily) Lowestres.mortgageAPR&terms:15year4.586%APR1 points;(ratesadjustdaily) HighestAPYopportunity:.50%,onbalancesbetween $2,500and$24,999.99onFullSolutionsCheckingac- count.Min.deposit$25(customerneedsE-statements anda3rdpartypaymenttoqualify) HighestCDAPY&terms:1.11%,5-yearPremiumCD,$500