494 Stevens Avenue, Portland, Maine • thehoneyexchange.com • 207.773.9333 • 10-6 Tuesday-Saturday • 10-2 Sunday unique gifts, mead, wine, and beer all natural line of skincare products explore our honey tasting bar observation hive & hobbyist beekeeping Come see us harvest local honey! 494 Stevens Avenue, Portland, Maine • thehoneyexchange.com • 207.773.9333 • 10-6 Tuesday-Saturday • 10-2 Sunday unique gifts, mead, wine, and beer all natural line of skincare products explore our honey tasting bar observation hive & hobbyist beekeeping Come watch local honey being harvested! Dollars & Sense D E C E M B E R 2 0 1 8 5 3 surcharges:Yeswithsomeaccounts Checkingaccountfee:NonewithStepUpchecking HighestsavingsaccountAPY&terms:.06%,$1,000min. CreditcardAPRsforA,B,Ccreditscores:8.90%-16.9% basedoncardtype BestAPRfor60-monthautoloan:3.00%withRelation- shipDiscount Lowest30-yearfixedrateres.mortgageAPR:5.206% Lowestres.mortgageAPR&terms:4.568%,10-yearfixed HighestAPYopportunity:3.30%for5,7,and10-yearJum- boShareCertificates,$95,000min. HighestCDAPY&terms:3.30%for5,7,and10-yearJumbo ShareCertificates,$95,000min.;BestAPYfor12-month IRA:2.53%ShareCertificate,$500min. MAINE SAVINGS FEDERAL CREDIT UNION mainesavings.com Branches: 10; Non-customer ATM charge: $3.00; Refund ATM surcharges: Yes with certain accounts Checking account fee: No Highest savings account APY & terms: .50% with Red Wallet Saver account up to $10,000, plus up to 2.00% of $10,000 with addition of Red Wallet Checking account Credit card APRs for A, B, C credit scores: 9.99%-18.00% Best APR for 60-month auto loan: 3.84% for a new car Lowest 30-year fixed rate res. mortgage APR: 5.263%, 30-year fixed CU Promise Lowest res. mortgage APR & terms: 4.835%, 15-year fixed Highest APY opportunity: 3.15%, 5-year CD, $500 min. deposit Highest CD APY & terms: 3.15%, 5-year, $500 min. deposit Best APY for 12-month IRA: 1.41%, $500 min. deposit New customer benefits: “We offer a discount of 50% off your rate if you have loans with another institution as a new member. Credit card debt—we will take that and cut that in half, so if you qualify for the loan, we’d cut the in- terest rate in half.” —John Reed, President/Chief Execu- tive Officer MAINE STATE CREDIT UNION mainestatecu.org Branches: 3; Non-customer ATM charge: $3.00; Re- fund ATM surcharges: Up to $25 per month with some accounts Checking account fee: None with Advantage Checking Highest savings account APY & terms: 1.10%, Advantage Savings, $100,000 min. balance Credit card APRs: 9.90%.-11.90% Best APR for 60-month auto loan: 3.49%, 66-month term Lowest 30-year fixed rate res. mortgage APR: 4.862%, 1.00 points Lowest res. mortgage APR & terms: 4.274%, 10-year fixed, 1.00 points Highest APY opportunity: 3.00%, 30-month Share Cer- tificate Special, $2,500 min. deposit Highest CD APY & terms: 3.00%, 30-month Share Certif- icate Special, $2,500 min. deposit Best APY for 12-month IRA: 1.35%, $500 min. deposit New customer benefits: “Our new smart phone capabil- ity includes e-alerts, new deposit/loan accounts, Visa card controls, and person-to-person payments.” —Tucker Cole, President/CEO