50 p o r t l a n d monthly magazine Dollars & Sense 1.75%ona3yearCD,$10,000min.balance) BestAPYfor12-monthIRA:N/A TDBANKtdbank.com Branches:46;Non-customerATMcharge:$3;RefundATM surcharges:Withcertainaccounts Checkingaccountfee:Freewith$100min.Balance HighestsavingsaccountAPY&terms:.35%,PreferredSav- ings,$50,000-$9.99M CreditcardAPRsforA,B,Ccreditscores:14.99%-24.99% BestAPRfor60-monthautoloan:N/A Lowest30-yearfixedrateres.mortgageAPR:5.206%ona $200,000homewith5%down Lowestres.mortgageAPR&terms:4.851%,15-yearfixed ona$200,000homewith5%down HighestAPYopportunity:1.19%,5-yearStepRateCD, $250min.deposit HighestCDAPY&terms:1.19%,5-yearStepRate,$250 min.deposit BestAPYfor12-monthIRA:.30%,$250min.depositor .50%with$100,000min.dailybalance CREDITUNIONS ACADIAFEDERALCREDITUNION acadiafcu.org Branches:7;Non-customerATMcharge:$1.50(somecards includeadditionalfees);RefundATMsurcharges:No Checkingaccountfee:No Highest savings account APY & terms: .40%, $1,000 min. balance CreditcardAPRsforA,B,Ccreditscores:Aslowas10.90% BestAPRfor60-monthautoloan:3.49% Lowest30-yearfixedrateres.mortgageAPR:5.35%,with 20%downpayment Lowestres.mortgageAPR&terms:5.05%,10-yearfixed, 20%downpayment HighestAPYopportunity:2.27%,5-yearfixedCD HighestCDAPY&terms:2.27%,5-yearfixed BestAPYfor12-monthIRA:.40% New customer benefits: “Members can text our Maine phone numbers, and a staff member will be available to answer their questions. We’ll also soon be offering live video chat.” —David Desjardins, President and CEO ATLANTICFEDERALCREDITUNION atlanticfcu.com Branches:4;Non-customerATMcharge:$2.50;RefundATM surcharges:Upto$20/monthwithKasasaaccount Checkingaccountfee:No;HighestsavingsaccountAPY& terms:2.00%,WAVEMoneyMarketAccount,$500,000 min.deposit CreditcardAPRsforA,B,Ccreditscores:N/A BestAPRfor60-monthautoloan:3.25% Lowest 30-year fixed rate res. mortgage APR: 5.260%, w/o points Lowestres.mortgageAPR&terms:4.825%,10-yearfixed, w/opoints HighestAPYopportunity:2.50%withKasasaChecking HighestCDAPY&terms:2.15%,5-year,$500min.deposit BestAPYfor12-monthIRA:1.10%,$500min.deposit BANGORFEDERALCREDITUNION bangorfederal.com Branches:3;Non-customerATMcharge:$3orfreewith- inSurfNetwork;RefundATMsurcharges:Upto$25per monthwithaKasasaaccount Checkingaccountfee:No HighestsavingsaccountAPY&terms:.75%,upto20,000, KasasaSaverw/requirementsmet CreditcardAPRsforA,B,Ccreditscores:7.9%-10.9% BestAPRfor60-monthautoloan:2.75%foranewcar(up to7years) Lowest30-yearfixedrateres.mortgageAPR:5.125%, w/opoints Lowestres.mortgageAPR&terms:4.50%,10-yearw/o pointsHighestAPYopportunity:3.00%,10,000+,Kasa- saCash HighestCDAPY&terms:2.63%,5-yearJumboCD, $100,000min.deposit BestAPYfor12-monthIRA:1.87%,100,000,min. balance(2-year) New customer benefits: “No charge on checking ac- counts.”—Elizabeth Ouellette, Member Rep. cPORTCREDITUNIONcportcu.org Branches:4;Non-customerATMcharge:$3orfreewithin SurfNetwork;RefundATMsurcharges:Some Checkingaccountfee:No