Thisis to BRINGATEAM! WEARACOSTUME! YOURYEAR YOURYEAR EARNBRAGGINGRIGHTS! EARNBRAGGINGRIGHTS! Join hundreds of brave Mainers for the Natural Resources Council of Maine’s 11th annual SUNDAY,December31,2018 EastEndBeach,Portland Help raise awareness AND funds in support of our work to address climate change here in Maine! 5K“warm up”run around Portland’s Back Cove trail: 11:00 a.m. (registration starts at 9:00 a.m., Back Cove parking lot, across from Hannaford). Polar Bear Dip into Casco Bay, East End Beach: Noon (registration at 11:00 a.m., not necessary for race participants). Shuttle will return participants to Back Cove parking lot after dip. Cool prizes from local businesses for 5k winners by age class, top fundraisers, and for best costume! Learn more and sign up at nrcm.org. Be BOLD in the COLD to help protect Maine’s environment. SPECIALTHANKSTOOURLEADSPONSORS! POLARBEARDIP&DASH! Dollars & Sense 54 p o r t l a n d monthly magazine NORTHEAST CREDIT UNION necu.org Branches: 5; Non-customer ATM charge: $3; Refund ATM surcharges: Yes, if requirements are met Checking account fee: None for some Highest savings account APY & terms: 1.51%, various ac- counts Credit card APRs for A, B, C credit scores: 10.24%- 16.25% Best APR for 60-month auto loan: 3.69% Lowest 30-year fixed rate res. mortgage APR: 5.229% Lowest res. mortgage APR & terms: 3.00%, 3/1 ARM Highest APY opportunity: 4.00%, Elite Checking Highest CD APY & terms: 3.82%, 4-year Best APY for 12-month IRA: 1.00%, $500 min. deposit New customer benefits: “Our new members love that we can instantly issue their debit cards for them.” —Michael Rumo, Regional Sales Manager TOWN & COUNTRY FEDERAL CREDIT UNION tcfcu.com Branches: 6; Non-customer ATM charge: $2.00; Re- fund ATM surcharges: Yes, up to $25/month with Re- wards Checking Checking account fee: No; Highest savings account APY & terms: .15%, $25 min. balance Credit card APRs for A, B, C credit scores: Platinum Visa CC: 8.90% to 15.90% APR; Rewards Visa CC: 10.90% to 17.90%, APR as low as 3.90% APR for the first year for new credit card holders. Best APR for 60-month auto loan: 3.49% for a new car Lowest 30-year fixed rate res. mortgage APR: 5.282% Lowest res. mortgage APR & terms: 4.702%, 10-year fixed Highest APY opportunity: 3.01%, up to $10,000, with Rewards Checking Highest CD APY & terms: 2.10%, 5-year CD, $500 min. opening deposit Best APY for 12-month IRA: 1.10%, $500 min. deposit UNIVERSITY CREDIT UNION ucu.maine.edu Branches: 9; Non-customer ATM charge: $3.50; Refund ATM surcharges: Yes, up to 4 transactions Checking account fee: None Highest savings account APY & terms: 1.01% Kasasa Sav- er, $15,000 min. Credit card APRs for A, B, C credit scores: 9.99%-16.99% for the Platinum Card, 11.99%-18.99% for the Platinum Rewards Card Best APR for 60-month auto loan: 3.29% Lowest 30-year fixed rate res. mortgage APR: 5.237% Purchase Primary Residence Lowest res. mortgage APR & terms: 4.274%, 15-year fixed Highest APY opportunity: 3.01% Kasasa Cash up to $10,000, no min. Highest CD APY & terms: 1.2%, 5-year CD, $500 min. deposit Best APY for 12-month IRA: .30%, $500 min. deposit n *All rates are subject to change.Please check with the financial institution for the most current offers.Each bank included in this year’s article feature electronic check deposit through mobile devices.