December 2015 | view this story as a .pdf

Maine banks and credit unions are anxious to win you over. Pull up a chair and get to know them.

From Staff & Wire Reports

Some banks make change, the best make changes. As 2016 looms, here’s an impressive array of Maine’s financial institutions, their services made ready at a glance. TD Bank, for example, is throwing its doors open on Sundays in and around Portland. On other nights, they’re open till 7 p.m. Isn’t it nice to feel needed? Read what the others are doing for you, below:

ANDROSCOGGIN BANK
androscogginbank.com

Branches: 12; Minimum ATM withdraw: $20; Non-customer ATM charge: $3; Refund ATM surcharges: Yes, except with Blue Wave Basic account.

Checking account fee: No when minimum deposit requirements are met.

Highest savings account APY & terms: .03% with $25,000 balance

Credit card APRs for A, B, C credit scores: 9.99% – 22.99%

Best APR for 60-month auto loan: 7.85%   

Lowest 30-year fixed rate res. mortgage APR: 4.0%

Lowest res. mortgage APR & terms: 15-yr Wealth
Builder with 2-tier fixed rates 1.75%/5%, or  2.28% average over the life of the loan

Highest APY opportunity: .85%, high 5-year CD, Minimum deposit: $500

Highest CD APY & terms: .85%, high 5-year CD,
Minimum deposit: $500.

Best APY for 12-month IRA: .25%

Electronic check scanning on mobile devices: Yes

AROOSTOOK COUNTY FEDERAL SAVINGS yourhomebank.com

Branches: 2; Minimum ATM withdraw: $20; Non-customer ATM charge: $2; Refund ATM surcharges: Yes

Checking account fee: None with $250 minimum balance; no min. for account holders 55 or older

Highest savings account APY & terms: 0.15%, Passbook account, $5 deposit to open.

Credit card APRs for A, B, C credit scores: N/A

Best APR for 60-month auto loan: 2.95%

Lowest 20-year fixed rate res. mortgage APR: 5.75%

Lowest res. mortgage APR & terms: 4%, 3-year ARM

Highest APY opportunity: 1.89%, 5-year CD

Highest CD APY & terms: 1.89%, 5-year CD

Best APY for 12-month IRA: 1.25%

Electronic check scanning on mobile devices: No

AUBURN SAVINGS BANK auburnsavings.com

Branches: 2; Minimum ATM withdraw: $10; Non-customer ATM charge: $2; Refund ATM surcharges: No

Checking account fee: No

Highest savings account APY & terms: Money Market 0.35% for $200,000 minimum.

Credit card APRs for A, B, C credit scores: N/A

Best APR for 60-month auto loan: 4.25%

Lowest 30-year fixed rate res. mortgage APR: 4.417%

Lowest res. mortgage APR & terms: N/A

Highest APY opportunity: .85%, 5-yr. CD, min. $500

Highest CD APY & terms: .85%, 5-yr., min. $500

Best APY for 12-month IRA: 0.25%

Electronic check scanning on mobile devices: No

BANGOR SAVINGS bangor.com

Branches: 61; Minimum ATM withdraw: $20;
Non-customer ATM charge: $3.50;
Refund ATM surcharges: Yes. Checking account fee: No

Highest savings account APY & terms: .08%,
minimum $25,000 balance

Credit card APRs for A, B, C credit scores: 9.99%-23.99%

Best APR for 60-month auto loan: 4.0% for a new car.

Lowest 30-year fixed rate res. mortgage APR: 4.06%

Lowest res. mortgage APR & terms: 3.28% 10-year

Highest APY opportunity: 1.25%, 5-year CD, $500 min.

Highest CD APY & terms: 1.25%, 5-year, $500 min.

Best APY for 12-month IRA: 0.10%, $25,000 min.

Electronic check scanning on mobile devices: Yes

BANK OF AMERICA bankofamerica.com

Branches: 98 in Maine; Minimum ATM withdraw: $20; $10 at Falmouth branch; Non-customer ATM charge: $2.50; Refund ATM surcharges: No Checking account fee: None with $300 balance; otherwise, $5.

Highest savings account APY & terms: 0.08%, Rewards Money Market, minimum $100,000 deposit.

Credit card APRs for A, B, C credit scores: 10.99% – 22.99%

Best APR for 60-month auto loan: 2.24%

Lowest 30-year fixed rate res. mortgage APR: 4.109%

Lowest res. mortgage APR & terms: 3.167%, 5/1 ARM

Highest APY opportunity: 0.15%, 5-year CD,
$1,000 min.

Highest CD APY & terms: .15% 5-year, $1,000 min.

Best APY for 12-month IRA: 0.07%, $2,000 min.

Electronic check scanning on mobile devices: Yes

BANK OF MAINE- ACQUIRED BY CAMDEN NATIONAL BANK ON OCTOBER 15 – See Camden National Bank

BAR HARBOR BANK & TRUST bhbt.com

Branches: 20; Minimum ATM withdraw: $10; Non-customer ATM charge: $3.50; Refund ATM surcharges: Yes

Checking account fee: No for some accounts

Highest savings account APY & terms: .07%, $25 minimum deposit

Credit card APRs for A, B, C credit scores: 11.99% – 22.99%

Best APR for 60-month auto loan: 4.99%

Lowest 30-year fixed rate res. mortgage APR: 4.103%

Lowest res. mortgage APR & terms: 3.127%, 3/1 ARM.

Highest APY opportunity: 1.85%, 60-month CD, with BHBT checking acct. & $25,000 min.

Highest CD APY & terms: 1.5%, 5-year CD, $500 min.

Best APY for 12-month IRA: .25%

Electronic check scanning on mobile devices: Yes

BATH SAVINGS INSTITUTION bathsavings.com

Branches: 9; Minimum ATM withdraw: $5;
Non-customer ATM charge: $2; Refund ATM surcharges:
In some circumstances.

Checking account fee: None for certain accounts

Highest savings account APY & terms: 0.12%

Credit card APRs for A, B, C credit scores: N/A

Best APR for 60-month auto loan: 3.041%

Lowest 30-year fixed rate res. mortgage APR: 4.051%

Lowest res. mortgage APR & terms: 3.186%, 5-yr. ARM

Highest APY opportunity: 0.95%, 5.75-year CD

Highest CD APY & terms: 0.85%, 5.-year

Best APY for 12-month IRA: .15%

Electronic check scanning on mobile devices: Yes

BIDDEFORD SAVINGS biddefordsavings.com

Branches: 6; Minimum ATM withdraw: $20; Non-customer ATM charge: $2.50; Refund ATM surcharges: No, but eStatements have free worldwide ATM use.

Checking account fee: No

Highest savings account APY & terms: .25%, $100,000 minimum balance

Credit card APRs for A, B, C credit scores: 13.99% – 17.99%

Best APR for 60-month auto loan: 3.5%

Lowest 30-year fixed rate res. mortgage APR: 4.038%

Lowest res. mortgage APR & terms: 3.25%, 15-year fixed

Highest APY opportunity: 1.81%, 5-year CD

Highest CD APY & terms: 1.81%

Best APY for 12-month IRA: .45%

Electronic check scanning on mobile devices: Yes

CAMDEN NATIONAL BANK camdennational.com

Branches: 65; Minimum ATM withdraw: $20; Non-customer ATM charge: $3.50; Refund ATM surcharges: No

Checking account fee: none with most accounts.

Highest savings account APY & terms: 0.10%, $25
minimum balance

Credit card APRs for A, B, C credit scores: 9.99% to 23.99%

Best APR for 48-month auto loan: 4%

Lowest 30-year fixed rate res. mortgage APR: 4.065%

Lowest res. mortgage APR & terms: 3.484%, 15-yr. fixed.

Highest APY opportunity: 1.05%, 5-year CD, $500 min.

Highest CD APY & terms: 1.05%, 5-year, $500 min. (Special through 12/31/15: 1.85%, $5,000 min.)

Best APY for 12-month IRA: .15%

Electronic check scanning on mobile devices: Yes

GORHAM SAVINGS BANK gorhamsavingsbank.com

Branches: 12; Minimum ATM withdraw: $20 Non-customer ATM charge: $2.95; Refund ATM surcharges: Yes

Checking account fee: No for some accounts; $5 for paper statements Highest savings account APY & terms: .25%, $75,000 minimum.

Credit card APRs for A, B, C credit scores: 9.99% to 17.99%

Best APR for 60-month auto loan: 2.875% for a new car.

Lowest 30-year fixed rate res. mortgage APR: 4.045%

Lowest res. mortgage APR & terms: 3.293%, 5-year fixed.

Highest APY opportunity: 1.30%, 5-year CD, min. $500

Highest CD APY & terms: 1.30%, 5-year, minimum $500

Best APY for 12-month IRA: .40%, minimum $500

Electronic check scanning on mobile devices: Yes

KENNEBUNK SAVINGS
kennebunksavings.com

Branches: 17; Minimum ATM withdraw: $20; Non-customer ATM charge: $3; Refund ATM surcharges: Yes

Checking account fee: No

Highest savings account APY & terms: 0.10%, $5,000
minimum balance.

Credit card APRs for A, B, C credit scores: 9.99% to 20.99%

Best APR for 60-month auto loan: 4.79%

Lowest 30-year fixed rate res. mortgage APR: 4.041%

Lowest res. mortgage APR & terms: 3.322%, 15-year fixed.

Highest APY opportunity: 1.31%, 5-yr. IRA/CD, $500 minimum Highest CD APY & terms: 1.31%, 5-year CD, $500 min. Best APY for 12-month IRA: .40%, $500 minimum Electronic check scanning on mobile devices: Yes

KEY BANK keybank.com

Branches: 53 (in Maine); Minimum ATM withdraw: $20; Non-customer ATM charge: $2.75; Refund ATM surcharges:

With some accounts

Checking account fee: None for Privilege Checking.

Highest savings account APY & terms: .10%, $25,000 min.

Credit card APRs for A, B, C credit scores: 11.99% to 21.99%

Best APR for 60-month auto loan: 3.59%

Lowest 30-year fixed rate res. mortgage APR: 4.07%

Lowest res. mortgage APR & terms: 3.19% 5-year

Highest APY opportunity: 5-year CD, .85%, min. $100,000

Highest CD APY & terms: .85%, 5-year, min. $100,000

Best APY for 12-month IRA: 0.2%

Electronic check scanning on mobile devices: Yes

Machias Savings BANK machiassavings.com

Branches: 18; Minimum ATM withdraw: $10; Non-customer ATM charge: $4; Refund ATM surcharges: With some accounts  Checking account fee: None for some accounts.

Highest savings account APY & terms: .15%, $25,000 min.

Credit card APRs for A, B, C credit scores: 7.24% to 25.99%

Best APR for 60-month auto loan: 5.5%

Lowest 30-year fixed rate res. mortgage APR: 4.065%

Lowest res. mortgage APR & terms: 3.058%, 10-yr. fixed

Highest APY opportunity: 5-year CD, 1.5%, min. $5,000

Highest CD APY & terms: 1.5%, 5-year, min. $5,000

Best APY for 12-month IRA: 0.27%, $250 min.

Electronic check scanning on mobile devices: Yes

Northeast Bank northeastbank.com

Branches: 10; Minimum ATM withdraw: $20; Non-customer ATM charge: $2.00; Refund ATM surcharges: No

Checking account fee: No

Highest savings account APY & terms: 0.10%, $100 min.

Credit card APRs for A, B, C credit scores: N/A

Best APR for 60-month auto loan: 6.13%

Lowest 30-year fixed rate res. mortgage APR: 4.083%

Lowest res. mortgage APR & terms: 3.395%, 15-year fixed

Highest APY opportunity: 1.4%, 5-year CD, $500 min.

Highest CD APY & terms: 1.4%, 5-year CD, $500 min.

Best APY for 12-month IRA: 0.20%, $500 minimum

Electronic check scanning on mobile devices: Yes

NORWAY SAVINGS BANK norwaysavingsbank.com

Branches: 24; Minimum ATM withdraw: $20; Non-customer ATM charge: $2; Refund ATM surcharges: Yes,
up to $20.

Checking account fee: No

Highest savings account APY & terms: .15%,
$100,000 minimum

Credit card APRs for A, B, C credit scores: N/A

Best APR for 60-month auto loan: 2.99%

Lowest 30-year fixed rate res. mortgage APR: 4.83%

Lowest res. mortgage APR & terms: 3.27%, 15-year fixed.

Highest APY opportunity: 1.11%, 5-year CD/IRA

Highest CD APY & terms: 1.11%, 5-year CD

Best APY for 12-month IRA: .25%, Premium IRA

Electronic check scanning on mobile devices:Yes

PEOPLE’S UNITED BANK peoples.com

Branches: 26 in Maine; Minimum ATM withdraw: $10; Non-customer ATM charge: $2.50; Refund ATM surcharges: With some accounts.

Checking account fee: $12; free if 65 or older, or with use of direct deposit.

Highest savings account APY & terms: 0.02% with $250 minimum balance

Credit card APRs for A, B, C credit scores: 9.99% – 20.99%

Best APR for 60-month auto loan: 7.49% for a new car.

Lowest 30-year fixed rate res. mortgage APR: 3.76%

Lowest res. mortgage APR & terms: 2.967%, 5/1 ARM.

Highest APY opportunity: 1.15%, 5-year CD if with checking account.

Highest CD APY & terms: 1.05%, 5-year%, $1,000 min.

Best APY for 12-month IRA: 0.25%, $1,000 minimum

Electronic check scanning on mobile devices: Yes.

SACO & BIDDEFORD SAVINGS sbsavings.com

Branches: 6; Minimum ATM withdraw: $5; Non-customer ATM charge: $3.50; Refund ATM surcharges: No

Checking account fee: None for many accounts

Highest savings account APY & terms: 0.40%, Mainely Preferred account, $100,000 minimum

Credit card APRs for A, B, C credit scores: N/A

Best APR for 60-month auto loan: 3.5%, new car

Lowest 30-year fixed rate res. mortgage APR: 4.05%

Lowest res. mortgage APR & terms: 3.524%, 15-yr. fixed

Highest APY opportunity: 1.85%, 5-year CD, min. $500.

Highest CD APY & terms: 1.85%, 5-year CD., min. $500

Best APY for 12-month IRA: .40%, minimum $500

Electronic check scanning on mobile devices: No.

SANFORD INSTITUTION FOR SAVINGS banksis.com

Branches: 8 in Maine; Minimum ATM withdraw: $20; Non-customer ATM charge: $3; Refund ATM surcharges: Yes, with Ultimate Checking.

Checking account fee: No

Highest savings account APY & terms: .05%, $2,500 minimum balance.

Credit card APRs for A, B, C credit scores: 14.99% – 21.99%

Best APR for 60-month auto loan: 3.0%

Lowest 30-year fixed rate res. mortgage APR: 4.00%

Lowest res. mortgage APR & terms: 3.841%, 3/1 ARM

Highest APY opportunity: 2.27%, 10-year Silver Link CD III, $10,000 minimum balance.

Highest CD APY & terms: 2.27%, 10-year Silver Link CD III, $10,000 minimum balance.

Best APY for 12-month IRA: .04%, $500 minimum

Electronic check scanning on mobile devices: Yes

TD BANK tdbank.com

Branches: 40; Minimum ATM withdraw: $20; Non-customer ATM charge: $3; Refund ATM surcharges: with certain accounts. Checking account fee: Free with min. $100 balance.  Highest savings account APY & terms: .40%, $100,000 minimum balance

Credit card APRs for A, B, C credit scores: 12.99% – 22.9%

Best APR for 60-month auto loan: N/A

Lowest 30-year fixed rate res. mortgage APR: 4.184%

Lowest res. mortgage APR & terms: 3.19%, 3/1 ARM

Highest APY opportunity: 1.19%, 7-year CD, minimum deposit $250.

Highest CD APY & terms: 1.25%, 7-year CD, $250 min.

Best APY for 12-month IRA: .25%, $250 min.

Electronic check scanning on mobile devices: Yes

CREDIT UNIONS

ACADIA FEDERAL CREDIT UNION
acadiafcu.org

Branches: 5; Minimum ATM withdraw: $10; Non-customer ATM charge: $1.50; Refund ATM surcharges: No. Checking account fee: No

Highest savings account APY & terms: .40%

Credit card APRs for A, B, C credit scores: As low as 10.90%. Best APR for 60-month auto loan: 2.99%

Lowest 30-year fixed rate res. mortgage APR: 5.64%, with 20% down payment.

Lowest res. mortgage APR & terms: 5.30%, 10-year fixed, 20% down payment

Highest APY opportunity: 2.02%, 5-year CD

Highest CD APY & terms: 2.02%, 5-year CD

Best APY for 12-month IRA: .40%

Electronic check scanning on mobile devices: Yes

ATLANTIC REGIONAL FEDERAL CREDIT UNION atlanticregional.com

Branches: 4; Minimum ATM withdraw: $10; Non-customer ATM charge: $2.50; Refund ATM surcharges: No

Checking account fee: No

Highest savings account APY & terms: .10%

Credit card APRs for A, B, C credit scores: 9.99%
to 22.99%

Best APR for 60-month auto loan: 2.99%, members only

Lowest 30-year fixed rate res. mortgage APR: 4.063%

Lowest res. mortgage APR & terms: 3.139%,
3-year ARM.

Highest APY opportunity: 1.60%, 5-year Step-up CD/IRA, $500 min.

Highest CD APY & terms: 1.60%, 5-year, $500 min.

Best APY for 12-month IRA: .40%

Electronic check scanning on mobile devices: Yes.

BANGOR FEDERAL CREDIT UNION bangorfederal.com

Branches: 3; Minimum ATM withdraw: $10; Non-customer ATM charge: $2.50; Refund ATM surcharges: No

Checking account fee: No

Highest savings account APY & terms: 0.35%, Money Market account, $25,000 minimum balance.

Credit card APRs for A, B, C credit scores: 7.9% to 10.9%

Best APR for 60-month auto loan: 1.99%, 2012 car or newer. Lowest 30-year fixed rate res. mortgage APR: 4.0%, members only

Lowest res. mortgage APR & terms: 3.125%, 15-year fixed, members only

Highest APY opportunity: 2.12%, 5-year Jumbo CD, $100,000 minimum balance.

Highest CD APY & terms: 2.12%, 5-year Jumbo CD, $100,000 minimum balance.

Best APY for 12-month IRA: .35%,
$25,000 minimum balance.
Electronic check scanning on mobile devices: Yes

cPORT CREDIT UNION cportcu.org

Branches: 6; Minimum ATM withdraw: $10; Non-customer ATM charge: $3; Refund ATM surcharges: Some.

Checking account fee: No

Highest savings account APY & terms: .20%

Credit card APRs for A, B, C credit scores: 11.99% – 17.99%

Best APR for 60-month auto loan: 2.99%

Lowest 30-year fixed rate res. mortgage APR: 4%

Lowest res. mortgage APR & terms: 3.125%, 3-yr. ARM.

Highest APY opportunity: 1.60%, 5-year CD

Highest CD APY & terms: 1.60%, 5-year Best APY for 12-month IRA: .60%

Electronic check scanning on mobile devices: Yes

CUMBERLAND COUNTY CREDIT UNION myccfcu.com

Branches: 5; Minimum ATM withdraw: $20; Non-customer ATM charge: Varies; Refund ATM surcharges: No

Checking account fee: No

Highest savings account APY & terms: 0.15%, $100,000 minimum balance.

Credit card APRs for A, B, C credit scores: N/A

Best APR for 60-month auto loan: 2.15%, New/Used car under 4 years old.

Lowest 30-year fixed rate res. mortgage APR: 4.124%

Lowest res. mortgage APR & terms: 3.125%,
15-year fixed

Highest APY opportunity: 2.02%, 5-yr. CD, $75,000 min.

Highest CD APY & terms: 2.02%, 5-yr. CD, $75,000 min.

Best APY for 12-month IRA: 0.75%, $75,000 min.

Electronic check scanning on mobile devices: No

FIVE COUNTY CREDIT UNION fivecounty.com

Branches: 15; Minimum ATM withdraw: as low as $5 depending on location; Non-customer ATM charge: $3;
Refund ATM surcharges: No

Checking account fee: No

Highest savings account APY & terms: .15%,
$100,000 min.

Credit card APRs for A, B, C credit scores: 13.75% – 21.25%

Best APR for 60-month auto loan: 3.0%

Lowest 30-year fixed rate res. mortgage APR: 4.128%

Lowest res. mortgage APR & terms: 3.451%, 15-year fixed.

Highest APY opportunity: 1.06%, 5-yr. CD, $100,000 min.

Highest CD APY & terms: 1.06%, 5-yr., $100,000 min.

Best APY for 12-month IRA: .15%, $100,000 min.

Electronic check scanning on mobile devices: Yes

Maine Savings FEDERAL CREDIT UNION mainesavings.com

Branches: 10; Minimum ATM withdraw: $10; Non-customer ATM charge: Yes; Refund ATM surcharges:
Yes if qualified

Checking account fee: No

Highest savings account APY & terms: 2.0, $10,000 max.

Credit card APRs for A, B, C credit scores: 9.99%-18.99%.

Best APR for 60-month auto loan: 2.69%

Lowest 30-year fixed rate res. mortgage APR: 4.128%

Lowest res. mortgage APR & terms: 3.125%, 10-yr. fixed.

Highest APY opportunity: 1.56%, 5-year CD, $500 min.

Highest CD APY & terms: 1.56%, 5-year CD, $500 min..

Best APY for 12-month IRA: .35%, $500 min.

Electronic check scanning on mobile devices: Yes

Maine State  CREDIT UNION
mainestate.cuview.net

Branches: 3; Minimum ATM withdraw: $10; Non-customer ATM charge: Yes; Refund ATM surcharges: No

Checking account fee: No.

Highest savings account APY & terms: .15%, $25 min.

Credit card APRs: From 9.99%.

Best APR for 60-month auto loan: 2.99%

Lowest 30-year fixed rate res. mortgage APR: 4.0%

Lowest res. mortgage APR & terms: 2.75%, 10-year fixed.

Highest APY opportunity: 1.65%, 5-year CD, $500 min.

Highest CD APY & terms: 1.65%, 5-yr., $500 min.

Best APY for 12-month IRA: .50%, $500 min.

Electronic check scanning on mobile devices: No

Ocean Communities Federal Credit union oceancommunities.com

Branches: 5; Minimum ATM withdraw: $5 or $20; Non-customer ATM charge: $3; Refund ATM surcharges: Yes, for most accounts

Checking account fee: No

Highest savings account APY & terms: .10%, $250 min.

Credit card APRs for A, B, C credit scores: N/A

Best APR for 60-month auto loan: 2.75%%

Lowest 30-year fixed rate res. mortgage APR: 4.128%

Lowest res. mortgage APR & terms: 3.415% 10-year

Highest APY opportunity: 2.01% up to $20,000 in a Kasasa Cash acct. Can be combined with Kasasa Saver for 1.01% up to another $50,000.

Highest CD APY & terms: .85%, 5-year, 1.81%, $500 min.

Best APY for 12-month IRA: .45%, $500 min.

Electronic check scanning on mobile devices: Yes

PEOPLES CHOICE CREDIT UNION peopleschoicecreditunion.com

Branches: 4; Minimum ATM withdraw: $10; Non-customer ATM charge: $2; Refund ATM surcharges: No

Checking account fee: No

Highest savings account APY & terms: 0.50%, Money Market savings, $250,000 min.

Credit card APRs: From 9.90%

Best APR for 60-month auto loan: 2.49%

Lowest 30-year fixed rate res. mortgage APR: 4.0%

Lowest res. mortgage APR & terms: 3.25%, 15-year fixed

Highest APY opportunity: 2.30%, 7-year CD, $10,000 min.

Highest CD APY & terms: 2.30%, 7-year , $10,000 min.

Best APY for 12-month IRA: .45%, $10,000 minimum.

Electronic check scanning on mobile devices: No.

TOWN & COUNTRY FEDERAL CREDIT UNION tcfcu.com

Branches: 6; Minimum ATM withdraw: $1; Non-customer ATM charge: $2; Refund ATM surcharges: Yes, with Rewards Checking.

Checking account fee: No

Highest savings account APY & terms: .15%, $25 minimum deposit.

Credit card APRs for A, B, C credit scores: 8.9%-17.9%.

Best APR for 60-month auto loan: 2.49% for new car;

Lowest 30-year fixed rate res. mortgage APR: 4.47%

Lowest res. mortgage APR & terms: 3.81% 10-yr .fixed

Highest APY opportunity: 3.01%, up to $10,000, with Rewards Checking.

Highest CD APY & terms: 1.74%, 5-year CD, min $500

Best APY for 12-month IRA: 0.5%

Electronic check scanning on mobile devices: Yes

UNIVERSITY CREDIT UNION ucu.maine.edu

Branches: 8; Minimum ATM withdraw: $5, or 20; Non-customer ATM charge: $2; Refund ATM surcharges: In some circumstances.

Checking account fee: No

Highest savings account APY & terms: 2.97 Kasasa Cash up to.$10,000

Credit card APRs for A, B, C credit scores: 7.99% to 17.99%

Best APR for 60-month auto loan: 2.49%, $7,500 minimum loan amount

Lowest 30-year fixed rate res. mortgage APR: 3.875%

Lowest res. mortgage APR & terms: 2.875%, 10-year fixed.

Highest APY opportunity: 1.20%, 5-year CD or 2.97% Kasasa Cash up to $10,000.

Highest CD APY & terms: 1.20%, 5-year CD.

Best APY for 12-month IRA: 0.3%

Electronic check scanning on mobile devices: Yes

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