{"id":11176,"date":"2015-11-25T21:45:43","date_gmt":"2015-11-26T02:45:43","guid":{"rendered":"http:\/\/www.portlandmonthly.com\/portmag\/?p=11176"},"modified":"2015-11-25T21:45:43","modified_gmt":"2015-11-26T02:45:43","slug":"money-makeover","status":"publish","type":"post","link":"https:\/\/www.portlandmonthly.com\/portmag\/money-makeover\/","title":{"rendered":"Money Makeover"},"content":{"rendered":"

December 2015 | view this story as a .pdf<\/a><\/p>\n

Maine banks and credit unions are anxious to win you over. Pull up a chair and get to know them.<\/strong><\/span><\/h3>\n

From Staff & Wire Reports<\/strong><\/span><\/p>\n

\"Money-Makeover-Dec15\"<\/a>Some banks make change, the best make changes. As 2016 looms, here\u2019s an impressive array of Maine\u2019s 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\u2019re open till 7 p.m. Isn\u2019t it nice to feel needed? Read what the others are doing for you, below:<\/span><\/p>\n

ANDROSCOGGIN BANK
\n<\/strong><\/span>androscogginbank.com<\/span><\/p>\n

Branches:<\/strong><\/span> 12; <\/span>Minimum ATM withdraw:<\/strong><\/span> $20; <\/span>Non-customer ATM charge:<\/strong><\/span> $3; <\/span>Refund ATM surcharges: <\/strong><\/span>Yes, except with Blue Wave Basic account. <\/span><\/p>\n

Checking account fee: <\/strong><\/span>No when minimum deposit requirements are met.<\/span><\/p>\n

Highest savings account APY & terms: <\/strong><\/span>.03% with $25,000 balance <\/span><\/p>\n

Credit card APRs for A, B, C credit scores: <\/strong><\/span> 9.99% – 22.99%<\/span><\/p>\n

Best APR for 60-month auto loan: <\/strong><\/span>7.85%\u00a0 \u00a0<\/span><\/span><\/p>\n

Lowest 30-year fixed rate res. mortgage APR: <\/strong><\/span>4.0%<\/span><\/p>\n

Lowest res. mortgage APR & terms: <\/strong><\/span>15-yr Wealth
\nBuilder with 2-tier fixed rates 1.75%\/5%, or\u00a0 <\/span>2.28% average over the life of the loan <\/span><\/p>\n

Highest APY opportunity: <\/strong><\/span>.85%, high 5-year CD, <\/span>Minimum deposit: <\/strong><\/span>$500 <\/span><\/p>\n

Highest CD APY & terms: <\/strong><\/span>.85%, high 5-year CD,
\nMinimum deposit: $500. <\/span><\/p>\n

Best APY for 12-month IRA: <\/strong><\/span>.25% <\/span><\/p>\n

Electronic check scanning on mobile devices: <\/strong><\/span>Yes <\/span><\/p>\n

AROOSTOOK COUNTY FEDERAL SAVINGS <\/strong><\/span>yourhomebank.com<\/span><\/p>\n

Branches:<\/strong><\/span> 2; <\/span>Minimum ATM withdraw:<\/strong><\/span> $20; <\/span>Non-customer ATM charge:<\/strong><\/span> $2; <\/span>Refund ATM surcharges:<\/strong><\/span> Yes<\/span><\/p>\n

Checking account fee:<\/strong><\/span> None with $250 minimum balance; no min. for account holders 55 or older<\/span><\/p>\n

Highest savings account APY & terms:<\/strong><\/span> 0.15%, Passbook account, $5 deposit to open. <\/span><\/p>\n

Credit card APRs for A, B, C credit scores:<\/strong><\/span> N\/A<\/span><\/p>\n

Best APR for 60-month auto loan:<\/strong><\/span> 2.95%<\/span><\/p>\n

Lowest 20-year fixed rate res. mortgage APR: <\/strong><\/span>5.75%<\/span><\/p>\n

Lowest res. mortgage APR & terms:<\/strong><\/span> 4%, 3-year ARM<\/span><\/p>\n

Highest APY opportunity:<\/strong><\/span> 1.89%, 5-year CD<\/span><\/p>\n

Highest CD APY & terms:<\/strong><\/span> 1.89%, 5-year CD<\/span><\/p>\n

Best APY for 12-month IRA:<\/strong><\/span> 1.25%<\/span><\/p>\n

Electronic check scanning on mobile devices:<\/strong><\/span> No<\/span><\/p>\n

AUBURN SAVINGS BANK <\/strong><\/span>auburnsavings.com<\/span><\/p>\n

Branches:<\/strong><\/span> 2; <\/span>Minimum ATM withdraw:<\/strong><\/span> $10; <\/span>Non-customer ATM charge:<\/strong><\/span> $2; <\/span>Refund ATM surcharges:<\/strong><\/span> No<\/span><\/p>\n

Checking account fee:<\/strong><\/span> No<\/span><\/p>\n

Highest savings account APY & terms:<\/strong><\/span> Money Market 0.35% for $200,000 minimum.<\/span><\/p>\n

Credit card APRs for A, B, C credit scores:<\/strong><\/span> N\/A<\/span><\/p>\n

Best APR for 60-month auto loan:<\/strong><\/span> 4.25%<\/span><\/p>\n

Lowest 30-year fixed rate res. mortgage APR:<\/strong><\/span> 4.417%<\/span><\/p>\n

Lowest res. mortgage APR & terms:<\/strong><\/span> N\/A<\/span><\/p>\n

Highest APY opportunity:<\/strong><\/span> .85%, 5-yr. CD, min. $500<\/span><\/p>\n

Highest CD APY & terms:<\/strong><\/span> .85%, 5-yr., min. $500<\/span><\/p>\n

Best APY for 12-month IRA:<\/strong><\/span> 0.25%<\/span><\/p>\n

Electronic check scanning on mobile devices:<\/strong><\/span> No<\/span><\/p>\n

BANGOR SAVINGS <\/strong><\/span>bangor.com<\/span><\/p>\n

Branches: <\/strong><\/span>61; <\/span>Minimum ATM withdraw:<\/strong><\/span> $20;
\n<\/span>Non-customer ATM charge: <\/strong><\/span>$3.50;
\n<\/span>Refund ATM surcharges:<\/strong><\/span> Yes. <\/span>Checking account fee:<\/strong><\/span> No<\/span><\/p>\n

Highest savings account APY & terms:<\/strong><\/span> .08%,
\nminimum $25,000 balance<\/span><\/p>\n

Credit card APRs for A, B, C credit scores:<\/strong><\/span> 9.99%-23.99%<\/span><\/p>\n

Best APR for 60-month auto loan: 4.0<\/strong><\/span>% for a new car.<\/span><\/p>\n

Lowest 30-year fixed rate res. mortgage APR:<\/strong><\/span> 4.06% <\/span><\/p>\n

Lowest res. mortgage APR & terms:<\/strong><\/span> 3.28% 10-year<\/span><\/p>\n

Highest APY opportunity:<\/strong><\/span> 1.25%, 5-year CD, $500 min.<\/span><\/p>\n

Highest CD APY & terms:<\/strong><\/span> 1.25%, 5-year, $500 min.<\/span><\/p>\n

Best APY for 12-month IRA:<\/strong><\/span> 0.10%, $25,000 min.<\/span><\/p>\n

Electronic check scanning on mobile devices:<\/strong><\/span> Yes<\/span><\/p>\n

BANK OF AMERICA <\/strong><\/span>bankofamerica.com<\/span><\/p>\n

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

Highest savings account APY & terms:<\/strong><\/span> 0.08%, Rewards Money Market, minimum $100,000 deposit.<\/span><\/p>\n

Credit card APRs for A, B, C credit scores:<\/strong><\/span> 10.99% – 22.99%<\/span><\/p>\n

Best APR for 60-month auto loan:<\/strong><\/span> 2.24% <\/span><\/p>\n

Lowest 30-year fixed rate res. mortgage APR:<\/strong><\/span> 4.109%<\/span><\/p>\n

Lowest res. mortgage APR & terms:<\/strong><\/span> 3.167%, 5\/1 ARM<\/span><\/p>\n

Highest APY opportunity:<\/strong><\/span> 0.15%, 5-year CD,
\n$1,000 min. <\/span><\/p>\n

Highest CD APY & terms:<\/strong><\/span> .15% 5-year, $1,000 min.<\/span><\/p>\n

Best APY for 12-month IRA:<\/strong><\/span> 0.07%, $2,000 min.<\/span><\/p>\n

Electronic check scanning on mobile devices:<\/strong><\/span> Yes<\/span><\/p>\n

BANK OF MAINE- ACQUIRED BY CAMDEN NATIONAL BANK ON OCTOBER 15 – See Camden National Bank<\/em><\/strong><\/span><\/p>\n

BAR HARBOR BANK & TRUST <\/strong><\/span>bhbt.com<\/span><\/p>\n

Branches: <\/strong><\/span>20;<\/span> Minimum ATM withdraw:<\/strong><\/span> $10; <\/span>Non-customer ATM charge:<\/strong><\/span> $3.50;<\/span> Refund ATM surcharges:<\/strong><\/span> Yes<\/span><\/p>\n

Checking account fee:<\/strong><\/span> No for some accounts<\/span><\/p>\n

Highest savings account APY & terms:<\/strong><\/span> .07%, $25 minimum deposit<\/span><\/p>\n

Credit card APRs for A, B, C credit scores:<\/strong><\/span> 11.99% – 22.99%<\/span><\/p>\n

Best APR for 60-month auto loan:<\/strong><\/span> 4.99%<\/span><\/p>\n

Lowest 30-year fixed rate res. mortgage APR:<\/strong><\/span> 4.103%<\/span><\/p>\n

Lowest res. mortgage APR & terms: <\/strong><\/span>3.127%, 3\/1 ARM.<\/span><\/p>\n

Highest APY opportunity:<\/strong><\/span> 1.85%, 60-month CD, with BHBT checking acct. & $25,000 min.<\/span><\/p>\n

Highest CD APY & terms: <\/strong><\/span>1.5%, 5-year CD, $500 min.<\/span><\/p>\n

Best APY for 12-month IRA:<\/strong><\/span> .25%<\/span><\/p>\n

Electronic check scanning on mobile devices: <\/strong><\/span>Yes<\/span><\/p>\n

BATH SAVINGS INSTITUTION <\/strong><\/span>bathsavings.com<\/span><\/p>\n

Branches:<\/strong><\/span> 9; <\/span>Minimum ATM withdraw:<\/strong><\/span> $5;
\n<\/span>Non-customer ATM charge: <\/strong><\/span>$2; <\/span>Refund ATM surcharges:<\/strong><\/span>
\nIn some circumstances.<\/span><\/p>\n

Checking account fee: <\/strong><\/span>None for certain accounts<\/span><\/p>\n

Highest savings account APY & terms:<\/strong><\/span> 0.12%<\/span><\/p>\n

Credit card APRs for A, B, C credit scores: <\/strong><\/span>N\/A<\/span><\/p>\n

Best APR for 60-month auto loan:<\/strong><\/span> 3.041%<\/span><\/p>\n

Lowest 30-year fixed rate res. mortgage APR:<\/strong><\/span> 4.051%<\/span><\/p>\n

Lowest res. mortgage APR & terms:<\/strong><\/span> 3.186%, 5-yr. ARM<\/span><\/p>\n

Highest APY opportunity:<\/strong><\/span> 0.95%, 5.75-year CD<\/span><\/p>\n

Highest CD APY & terms:<\/strong><\/span> 0.85%, 5.-year<\/span><\/p>\n

Best APY for 12-month IRA:<\/strong><\/span> .15%<\/span><\/p>\n

Electronic check scanning on mobile devices:<\/strong><\/span> Yes<\/span><\/p>\n

BIDDEFORD SAVINGS <\/strong><\/span>biddefordsavings.com<\/span><\/p>\n

Branches: 6; Minimum ATM withdraw:<\/strong><\/span> $20; Non-customer <\/span>ATM charge: <\/strong><\/span>$2.50; <\/span>Refund ATM surcharges<\/strong><\/span>: No, but eStatements have free worldwide ATM use. <\/span><\/p>\n

Checking account fee: <\/strong><\/span>No<\/span><\/p>\n

Highest savings account APY & terms: <\/strong><\/span>.25%, $100,000 minimum balance<\/span><\/p>\n

Credit card APRs for A, B, C credit scores: <\/strong><\/span>13.99% – 17.99%<\/span><\/p>\n

Best APR for 60-month auto loan:<\/strong><\/span> 3.5%<\/span><\/p>\n

Lowest 30-year fixed rate res. mortgage APR: <\/strong><\/span>4.038%<\/span><\/p>\n

Lowest res. mortgage APR & terms:<\/strong><\/span> 3.25%, 15-year fixed<\/span><\/p>\n

Highest APY opportunity: <\/strong><\/span>1.81%, 5-year CD<\/span><\/p>\n

Highest CD APY & terms: <\/strong><\/span>1.81%<\/span><\/p>\n

Best APY for 12-month IRA:<\/strong><\/span> .45%<\/span><\/p>\n

Electronic check scanning on mobile devices: <\/strong><\/span>Yes<\/span><\/p>\n

CAMDEN NATIONAL BANK <\/strong>camdennational.com<\/span><\/p>\n

Branches:<\/strong><\/span> 65; <\/span>Minimum ATM withdraw:<\/strong><\/span> $20; <\/span>Non-customer ATM charge:<\/strong><\/span> $3.50; <\/span>Refund ATM surcharges:<\/strong><\/span> No<\/span><\/p>\n

Checking account fee:<\/strong><\/span> none with most accounts.<\/span><\/p>\n

Highest savings account APY & terms:<\/strong><\/span> 0.10%, $25
\nminimum balance<\/span><\/p>\n

Credit card APRs for A, B, C credit scores:<\/strong><\/span> 9.99% to 23.99%<\/span><\/p>\n

Best APR for 48-month auto loan:<\/strong><\/span> 4%<\/span><\/p>\n

Lowest 30-year fixed rate res. mortgage APR:<\/strong><\/span> 4.065%<\/span><\/p>\n

Lowest res. mortgage APR & terms:<\/strong><\/span> 3.484%, 15-yr. fixed.<\/span><\/p>\n

Highest APY opportunity:<\/strong><\/span> 1.05%, 5-year CD, $500 min.<\/span><\/p>\n

Highest CD APY & terms:<\/strong><\/span> 1.05%, 5-year, $500 min. (Special through 12\/31\/15: 1.85%, $5,000 min.)<\/span><\/p>\n

Best APY for 12-month IRA:<\/strong><\/span> .15%<\/span><\/p>\n

Electronic check scanning on mobile devices:<\/strong><\/span> Yes<\/span><\/p>\n

GORHAM SAVINGS BANK<\/strong><\/span> gorhamsavingsbank.com<\/span><\/p>\n

Branches:<\/strong><\/span> 12; <\/span>Minimum ATM withdraw:<\/strong><\/span> $20 <\/span>Non-customer ATM charge:<\/strong><\/span> $2.95;<\/span> Refund ATM surcharges<\/strong><\/span>: Yes<\/span><\/p>\n

Checking account fee: <\/strong><\/span>No for some accounts; $5 for paper statements<\/span> Highest savings account APY & terms: <\/strong><\/span>.25%, $75,000 minimum.<\/span><\/p>\n

Credit card APRs for A, B, C credit scores:<\/strong><\/span> 9.99% to 17.99%<\/span><\/p>\n

Best APR for 60-month auto loan: <\/strong><\/span>2.875% for a new car.<\/span><\/p>\n

Lowest 30-year fixed rate res. mortgage APR:<\/strong><\/span> 4.045%<\/span><\/p>\n

Lowest res. mortgage APR & terms:<\/strong><\/span> 3.293%, 5-year fixed.<\/span><\/p>\n

Highest APY opportunity:<\/strong><\/span> 1.30%, 5-year CD, min. $500<\/span><\/p>\n

Highest CD APY & terms:<\/strong><\/span> 1.30%, 5-year, minimum $500<\/span><\/p>\n

Best APY for 12-month IRA:<\/strong><\/span> .40%, minimum $500<\/span><\/p>\n

Electronic check scanning on mobile devices:<\/strong><\/span> Yes<\/span><\/p>\n

KENNEBUNK SAVINGS
\n<\/strong><\/span>kennebunksavings.com<\/span><\/p>\n

Branches: 17<\/strong><\/span>; <\/span>Minimum ATM withdraw: <\/strong><\/span>$20; <\/span>Non-customer ATM charge: $3<\/strong><\/span>; <\/span>Refund ATM surcharges:<\/strong><\/span> Yes<\/span><\/p>\n

Checking account fee:<\/strong><\/span> No<\/span><\/p>\n

Highest savings account APY & terms:<\/strong><\/span> 0.10%, $5,000
\nminimum balance.<\/span><\/p>\n

Credit card APRs for A, B, C credit scores:<\/strong><\/span> 9.99% to 20.99%<\/span><\/p>\n

Best APR for 60-month auto loan:<\/strong><\/span> 4.79%<\/span><\/p>\n

Lowest 30-year fixed rate res. mortgage APR:<\/strong><\/span> 4.041%<\/span><\/p>\n

Lowest res. mortgage APR & terms:<\/strong><\/span> 3.322%, 15-year fixed.<\/span><\/p>\n

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

KEY BANK <\/strong><\/span>keybank.com<\/span><\/p>\n

Branches:<\/strong><\/span> 53 (in Maine); <\/span>Minimum ATM withdraw: <\/strong><\/span>$20; <\/span>Non-customer ATM charge: <\/strong><\/span>$2.75; <\/span>Refund ATM surcharges:<\/strong><\/span><\/p>\n

With some accounts<\/span><\/p>\n

Checking account fee:<\/strong><\/span> None for Privilege Checking.<\/span><\/p>\n

Highest savings account APY & terms:<\/strong><\/span> .10%, $25,000 min.<\/span><\/p>\n

Credit card APRs for A, B, C credit scores:<\/strong><\/span> 11.99% to 21.99%<\/span><\/p>\n

Best APR for 60-month auto loan:<\/strong><\/span> 3.59%<\/span><\/p>\n

Lowest 30-year fixed rate res. mortgage APR:<\/strong><\/span> 4.07%<\/span><\/p>\n

Lowest res. mortgage APR & terms: <\/strong><\/span>3.19% 5-year<\/span><\/p>\n

Highest APY opportunity:<\/strong><\/span> 5-year CD, .85%, min. $100,000<\/span><\/p>\n

Highest CD APY & terms:<\/strong><\/span> .85%, 5-year, min. $100,000<\/span><\/p>\n

Best APY for 12-month IRA:<\/strong><\/span> 0.2%<\/span><\/p>\n

Electronic check scanning on mobile devices:<\/strong><\/span> Yes<\/span><\/p>\n

Machias Savings BANK <\/strong>machiassavings.com<\/span><\/p>\n

Branches:<\/strong><\/span> 18;<\/span> Minimum ATM withdraw: <\/strong><\/span>$10; <\/span>Non-customer ATM charge: <\/strong><\/span>$4; <\/span>Refund ATM surcharges:<\/strong><\/span> With some accounts\u00a0 <\/span><\/span>Checking account fee:<\/strong><\/span> None for some accounts.<\/span><\/p>\n

Highest savings account APY & terms:<\/strong><\/span> .15%, $25,000 min.<\/span><\/p>\n

Credit card APRs for A, B, C credit scores:<\/strong><\/span> 7.24% to 25.99%<\/span><\/p>\n

Best APR for 60-month auto loan:<\/strong><\/span> 5.5%<\/span><\/p>\n

Lowest 30-year fixed rate res. mortgage APR:<\/strong><\/span> 4.065%<\/span><\/p>\n

Lowest res. mortgage APR & terms: <\/strong><\/span>3.058%, 10-yr. fixed<\/span><\/p>\n

Highest APY opportunity:<\/strong><\/span> 5-year CD, 1.5%, min. $5,000<\/span><\/p>\n

Highest CD APY & terms:<\/strong><\/span> 1.5%, 5-year, min. $5,000<\/span><\/p>\n

Best APY for 12-month IRA:<\/strong><\/span> 0.27%, $250 min.<\/span><\/p>\n

Electronic check scanning on mobile devices:<\/strong><\/span> Yes<\/span><\/p>\n

Northeast Bank<\/strong><\/span> northeastbank.com<\/span><\/p>\n

Branches:<\/strong><\/span> 10; <\/span>Minimum ATM withdraw:<\/strong><\/span> $20; <\/span>Non-customer ATM charge:<\/strong><\/span> $2.00; <\/span>Refund ATM surcharges: <\/strong><\/span>No<\/span><\/p>\n

Checking account fee:<\/strong><\/span> No<\/span><\/p>\n

Highest savings account APY & terms:<\/strong><\/span> 0.10%, $100 min.<\/span><\/p>\n

Credit card APRs for A, B, C credit scores:<\/strong><\/span> N\/A<\/span><\/p>\n

Best APR for 60-month auto loan:<\/strong><\/span> 6.13%<\/span><\/p>\n

Lowest 30-year fixed rate res. mortgage APR:<\/strong><\/span> 4.083%<\/span><\/p>\n

Lowest res. mortgage APR & terms:<\/strong><\/span> 3.395%, 15-year fixed<\/span><\/p>\n

Highest APY opportunity:<\/strong><\/span> 1.4%, 5-year CD, $500 min.<\/span><\/p>\n

Highest CD APY & terms:<\/strong><\/span> 1.4%, 5-year CD, $500 min.<\/span><\/p>\n

Best APY for 12-month IRA:<\/strong><\/span> 0.20%, $500 minimum<\/span><\/p>\n

Electronic check scanning on mobile devices:<\/strong><\/span> Yes<\/span><\/p>\n

NORWAY SAVINGS BANK <\/strong><\/span>norwaysavingsbank.com<\/span><\/p>\n

Branches:<\/strong><\/span> 24; <\/span>Minimum ATM withdraw:<\/strong><\/span> $20; <\/span>Non-customer ATM charge: <\/strong><\/span>$2; <\/span>Refund ATM surcharges:<\/strong><\/span> Yes,
\nup to $20.<\/span><\/p>\n

Checking account fee:<\/strong><\/span> No<\/span><\/p>\n

Highest savings account APY & terms<\/strong><\/span>: .15%,
\n$100,000 minimum<\/span><\/p>\n

Credit card APRs for A, B, C credit scores: <\/strong><\/span>N\/A<\/span><\/p>\n

Best APR for 60-month auto loan:<\/strong><\/span> 2.99% <\/span><\/p>\n

Lowest 30-year fixed rate res. mortgage APR:<\/strong><\/span> 4.83%<\/span><\/p>\n

Lowest res. mortgage APR & terms:<\/strong><\/span> 3.27%, 15-year fixed.<\/span><\/p>\n

Highest APY opportunity:<\/strong><\/span> 1.11%, 5-year CD\/IRA<\/span><\/p>\n

Highest CD APY & terms:<\/strong><\/span> 1.11%, 5-year CD<\/span><\/p>\n

Best APY for 12-month IRA: <\/strong><\/span>.25%, Premium IRA<\/span><\/p>\n

Electronic check scanning on mobile devices:<\/strong><\/span>Yes<\/span><\/p>\n

PEOPLE\u2019S UNITED BANK<\/strong><\/span> peoples.com<\/span><\/p>\n

Branches:<\/strong><\/span> 26 in Maine; <\/span>Minimum ATM withdraw:<\/strong><\/span> $10; <\/span>Non-customer ATM charge:<\/strong><\/span> $2.50; <\/span>Refund ATM surcharges:<\/strong><\/span> With some accounts.<\/span><\/p>\n

Checking account fee:<\/strong><\/span> $12; free if 65 or older, or with use of direct deposit.<\/span><\/p>\n

Highest savings account APY & terms:<\/strong><\/span> 0.02% with $250 minimum balance<\/span><\/p>\n

Credit card APRs for A, B, C credit scores: <\/strong><\/span>9.99% – 20.99%<\/span><\/p>\n

Best APR for 60-month auto loan:<\/strong><\/span> 7.49% for a new car.<\/span><\/p>\n

Lowest 30-year fixed rate res. mortgage APR:<\/strong><\/span> 3.76%<\/span><\/p>\n

Lowest res. mortgage APR & terms:<\/strong><\/span> 2.967%, 5\/1 ARM.<\/span><\/p>\n

Highest APY opportunity:<\/strong><\/span> 1.15%, 5-year CD if with checking account.<\/span><\/p>\n

Highest CD APY & terms:<\/strong><\/span> 1.05%, 5-year%, $1,000 min.<\/span><\/p>\n

Best APY for 12-month IRA:<\/strong><\/span> 0.25%, $1,000 minimum<\/span><\/p>\n

Electronic check scanning on mobile devices:<\/strong><\/span> Yes.<\/span><\/p>\n

SACO & BIDDEFORD SAVINGS<\/strong><\/span> sbsavings.com<\/span><\/p>\n

Branches:<\/strong><\/span> 6;<\/span> Minimum ATM withdraw:<\/strong><\/span> $5; <\/span>Non-customer ATM charge: <\/strong><\/span>$3.50; <\/span>Refund ATM surcharges:<\/strong><\/span> No<\/span><\/p>\n

Checking account fee:<\/strong><\/span> None for many accounts<\/span><\/p>\n

Highest savings account APY & terms:<\/strong><\/span> 0.40%, Mainely Preferred account, $100,000 minimum<\/span><\/p>\n

Credit card APRs for A, B, C credit scores: <\/strong><\/span>N\/A<\/span><\/p>\n

Best APR for 60-month auto loan:<\/strong><\/span> 3.5%, new car<\/span><\/p>\n

Lowest 30-year fixed rate res. mortgage APR:<\/strong><\/span> 4.05%<\/span><\/p>\n

Lowest res. mortgage APR & terms:<\/strong><\/span> 3.524%, 15-yr. fixed<\/span><\/p>\n

Highest APY opportunity:<\/strong><\/span> 1.85%, 5-year CD, min. $500.<\/span><\/p>\n

Highest CD APY & terms:<\/strong><\/span> 1.85%, 5-year CD., min. $500<\/span><\/p>\n

Best APY for 12-month IRA: <\/strong><\/span>.40%, minimum $500<\/span><\/p>\n

Electronic check scanning on mobile devices:<\/strong><\/span> No.<\/span><\/p>\n

SANFORD INSTITUTION FOR SAVINGS <\/strong><\/span>banksis.com<\/span><\/p>\n

Branches: <\/strong><\/span>8 in Maine; <\/span>Minimum ATM withdraw:<\/strong><\/span> $20; <\/span>Non-customer ATM charge:<\/strong><\/span> $3; <\/span>Refund ATM surcharges:<\/strong><\/span> Yes, with Ultimate Checking.<\/span><\/p>\n

Checking account fee:<\/strong><\/span> No<\/span><\/p>\n

Highest savings account APY & terms:<\/strong><\/span> .05%, $2,500 minimum balance.<\/span><\/p>\n

Credit card APRs for A, B, C credit scores:<\/strong><\/span> 14.99% – 21.99%<\/span><\/p>\n

Best APR for 60-month auto loan:<\/strong><\/span> 3.0%<\/span><\/p>\n

Lowest 30-year fixed rate res. mortgage APR:<\/strong><\/span> 4.00%<\/span><\/p>\n

Lowest res. mortgage APR & terms:<\/strong><\/span> 3.841%, 3\/1 ARM<\/span><\/p>\n

Highest APY opportunity:<\/strong><\/span> 2.27%, 10-year Silver Link CD III, $10,000 minimum balance.<\/span><\/p>\n

Highest CD APY & terms:<\/strong><\/span> 2.27%, 10-year Silver Link CD III, $10,000 minimum balance.<\/span><\/p>\n

Best APY for 12-month IRA: <\/strong><\/span>.04%, $500 minimum<\/span><\/p>\n

Electronic check scanning on mobile devices:<\/strong><\/span> Yes<\/span><\/p>\n

TD BANK <\/strong><\/span>tdbank.com<\/span><\/p>\n

Branches: 40; Minimum ATM withdraw:<\/strong><\/span> $20; <\/span>Non-customer ATM charge:<\/strong><\/span> $3; <\/span>Refund ATM surcharges<\/strong><\/span>: with certain accounts. <\/span>Checking account fee: <\/strong><\/span>Free with min. $100 balance.\u00a0 <\/span><\/span>Highest savings account APY & terms:<\/strong><\/span> .40%, $100,000 minimum balance<\/span><\/p>\n

Credit card APRs for A, B, C credit scores:<\/strong><\/span> 12.99% – 22.9%<\/span><\/p>\n

Best APR for 60-month auto loan:<\/strong><\/span> N\/A<\/span><\/p>\n

Lowest 30-year fixed rate res. mortgage APR:<\/strong><\/span> 4.184%<\/span><\/p>\n

Lowest res. mortgage APR & terms:<\/strong><\/span> 3.19%, 3\/1 ARM<\/span><\/p>\n

Highest APY opportunity:<\/strong><\/span> 1.19%, 7-year CD, minimum deposit $250.<\/span><\/p>\n

Highest CD APY & terms:<\/strong><\/span> 1.25%, 7-year CD, $250 min.<\/span><\/p>\n

Best APY for 12-month IRA:<\/strong><\/span> .25%, $250 min.<\/span><\/p>\n

Electronic check scanning on mobile devices:<\/strong><\/span> Yes<\/span><\/p>\n

CREDIT UNIONS <\/strong><\/span><\/p>\n

ACADIA FEDERAL CREDIT UNION
\n<\/strong><\/span>acadiafcu.org<\/span><\/p>\n

Branches<\/strong><\/span>: 5; <\/span>Minimum ATM withdraw:<\/strong><\/span> $10; <\/span>Non-customer ATM charge:<\/strong><\/span> $1.50; Refund ATM surcharges: No.<\/span> Checking account fee:<\/strong><\/span> No<\/span><\/p>\n

Highest savings account APY & terms:<\/strong><\/span> .40%<\/span><\/p>\n

Credit card APRs for A, B, C credit scores:<\/strong><\/span> As low as 10.90%. <\/span>Best APR for 60-month auto loan: <\/strong><\/span>2.99%<\/span><\/p>\n

Lowest 30-year fixed rate res. mortgage APR:<\/strong><\/span> 5.64%, with 20% down payment.<\/span><\/p>\n

Lowest res. mortgage APR & terms: <\/strong><\/span>5.30%, 10-year fixed, 20% down payment<\/span><\/p>\n

Highest APY opportunity: <\/strong><\/span>2.02%, 5-year CD<\/span><\/p>\n

Highest CD APY & terms:<\/strong><\/span> 2.02%, 5-year CD<\/span><\/p>\n

Best APY for 12-month IRA:<\/strong><\/span> .40%<\/span><\/p>\n

Electronic check scanning on mobile devices:<\/strong><\/span> Yes<\/span><\/p>\n

ATLANTIC REGIONAL FEDERAL CREDIT UNION <\/strong><\/span>atlanticregional.com<\/span><\/p>\n

Branches:<\/strong><\/span> 4; <\/span>Minimum ATM withdraw:<\/strong><\/span> $10; <\/span>Non-customer ATM charge:<\/strong><\/span> $2.50;<\/span> Refund ATM surcharges:<\/strong><\/span> No<\/span><\/p>\n

Checking account fee: <\/strong><\/span>No <\/span><\/p>\n

Highest savings account APY & terms: <\/strong><\/span>.10%<\/span><\/p>\n

Credit card APRs for A, B, C credit scores<\/strong><\/span>: 9.99%
\nto 22.99%<\/span><\/p>\n

Best APR for 60-month auto loan:<\/strong><\/span> 2.99%, members only<\/span><\/p>\n

Lowest 30-year fixed rate res. mortgage APR:<\/strong><\/span> 4.063%<\/span><\/p>\n

Lowest res. mortgage APR & terms:<\/strong><\/span> 3.139%,
\n3-year ARM.<\/span><\/p>\n

Highest APY opportunity:<\/strong><\/span> 1.60%, 5-year Step-up CD\/IRA, $500 min.<\/span><\/p>\n

Highest CD APY & terms: 1.60%,<\/strong><\/span> 5-year, $500 min.<\/span><\/p>\n

Best APY for 12-month IRA: <\/strong><\/span>.40%<\/span><\/p>\n

Electronic check scanning on mobile devices: <\/strong><\/span>Yes.<\/span><\/p>\n

BANGOR FEDERAL CREDIT UNION<\/strong><\/span> bangorfederal.com<\/span><\/p>\n

Branches:<\/strong><\/span> 3; Minimum <\/span>ATM withdraw:<\/strong><\/span> $10; <\/span>Non-customer ATM charge: <\/strong><\/span>$2.50; <\/span>Refund ATM surcharges: <\/strong><\/span>No<\/span><\/p>\n

Checking account fee:<\/strong><\/span> No<\/span><\/p>\n

Highest savings account APY & terms: <\/strong><\/span>0.35%, Money Market account, $25,000 minimum balance.<\/span><\/p>\n

Credit card APRs for A, B, C credit scores: <\/strong><\/span>7.9% to 10.9%<\/span><\/p>\n

Best APR for 60-month auto loan:<\/strong><\/span> 1.99%, 2012 car or newer. <\/span>Lowest 30-year fixed rate res. mortgage APR:<\/strong><\/span> 4.0%, members only<\/span><\/p>\n

Lowest res. mortgage APR & terms:<\/strong><\/span> 3.125%, 15-year fixed, members only<\/span><\/p>\n

Highest APY opportunity:<\/strong><\/span> 2.12%, 5-year Jumbo CD, $100,000 minimum balance.<\/span><\/p>\n

Highest CD APY & terms:<\/strong><\/span> 2.12%, 5-year Jumbo CD, $100,000 minimum balance. <\/span><\/p>\n

Best APY for 12-month IRA: <\/strong><\/span>.35%,
\n$25,000 minimum balance.
\n<\/span>Electronic check scanning on mobile devices: <\/strong><\/span>Yes<\/span><\/p>\n

cPORT CREDIT UNION <\/strong><\/span>cportcu.org <\/span><\/p>\n

Branches:<\/span> 6; <\/span>Minimum ATM withdraw:<\/strong><\/span> $10; <\/span>Non-customer ATM charge:<\/strong><\/span> $3;<\/span> Refund ATM surcharges:<\/strong><\/span> Some.<\/span><\/p>\n

Checking account fee:<\/strong><\/span> No<\/span><\/p>\n

Highest savings account APY & terms:<\/strong><\/span> .20% <\/span><\/p>\n

Credit card APRs for A, B, C credit scores:<\/strong><\/span> 11.99% – 17.99%<\/span><\/p>\n

Best APR for 60-month auto loan:<\/strong><\/span> 2.99%<\/span><\/p>\n

Lowest 30-year fixed rate res. mortgage APR:<\/strong><\/span> 4%<\/span><\/p>\n

Lowest res. mortgage APR & terms:<\/strong><\/span> 3.125%, 3-yr. ARM.<\/span><\/p>\n

Highest APY opportunity:<\/strong><\/span> 1.60%, 5-year CD<\/span><\/p>\n

Highest CD APY & terms:<\/strong><\/span> 1.60%, 5-year <\/span>Best APY for 12-month IRA:<\/strong><\/span> .60%<\/span><\/p>\n

Electronic check scanning on mobile devices:<\/strong><\/span> Yes<\/span><\/p>\n

CUMBERLAND COUNTY CREDIT UNION <\/strong><\/span>myccfcu.com<\/span><\/p>\n

Branches:<\/strong><\/span> 5; <\/span>Minimum ATM withdraw:<\/strong><\/span> $20; <\/span>Non-customer ATM charge:<\/strong><\/span> Varies; <\/span>Refund ATM surcharges:<\/strong><\/span> No<\/span><\/p>\n

Checking account fee:<\/strong><\/span> No<\/span><\/p>\n

Highest savings account APY & terms:<\/strong><\/span> 0.15%, $100,000 minimum balance.<\/span><\/p>\n

Credit card APRs for A, B, C credit scores:<\/strong><\/span> N\/A<\/span><\/p>\n

Best APR for 60-month auto loan:<\/strong><\/span> 2.15%, New\/Used car under 4 years old.<\/span><\/p>\n

Lowest 30-year fixed rate res. mortgage APR:<\/strong><\/span> 4.124%<\/span><\/p>\n

Lowest res. mortgage APR & terms:<\/strong><\/span> 3.125%,
\n15-year fixed<\/span><\/p>\n

Highest APY opportunity:<\/strong><\/span> 2.02%, 5-yr. CD, $75,000 min.<\/span><\/p>\n

Highest CD APY & terms:<\/strong><\/span> 2.02%, 5-yr. CD, $75,000 min.<\/span><\/p>\n

Best APY for 12-month IRA:<\/strong><\/span> 0.75%, $75,000 min.<\/span><\/p>\n

Electronic check scanning on mobile devices:<\/strong><\/span> No<\/span><\/p>\n

FIVE COUNTY CREDIT UNION<\/strong><\/span> fivecounty.com<\/span><\/p>\n

Branches: <\/strong><\/span>15;<\/span> Minimum ATM withdraw:<\/strong><\/span> as low as $5 depending on location; <\/span>Non-customer ATM charge: <\/strong><\/span>$3;
\n<\/span>Refund ATM surcharges:<\/strong><\/span> No<\/span><\/p>\n

Checking account fee:<\/strong><\/span> No <\/span><\/p>\n

Highest savings account APY & terms:<\/strong><\/span> .15%,
\n$100,000 min.<\/span><\/p>\n

Credit card APRs for A, B, C credit scores:<\/strong><\/span> 13.75% – 21.25%<\/span><\/p>\n

Best APR for 60-month auto loan:<\/strong><\/span> 3.0%<\/span><\/p>\n

Lowest 30-year fixed rate res. mortgage APR:<\/strong><\/span> 4.128%<\/span><\/p>\n

Lowest res. mortgage APR & terms:<\/strong><\/span> 3.451%, 15-year fixed.<\/span><\/p>\n

Highest APY opportunity:<\/strong><\/span> 1.06%, 5-yr. CD, $100,000 min.<\/span><\/p>\n

Highest CD APY & terms:<\/strong><\/span> 1.06%, 5-yr., $100,000 min.<\/span><\/p>\n

Best APY for 12-month IRA:<\/strong><\/span> .15%, $100,000 min. <\/span><\/p>\n

Electronic check scanning on mobile devices:<\/strong><\/span> Yes<\/span><\/p>\n

Maine Savings FEDERAL CREDIT UNION<\/strong><\/span> mainesavings.com<\/span><\/p>\n

Branches:<\/strong><\/span> 10; <\/span>Minimum ATM withdraw:<\/strong><\/span> $10; <\/span>Non-customer ATM charge:<\/strong><\/span> Yes; <\/span>Refund ATM surcharges:<\/strong><\/span>
\nYes if qualified<\/span><\/p>\n

Checking account fee:<\/strong><\/span> No<\/span><\/p>\n

Highest savings account APY & terms:<\/strong><\/span> 2.0, $10,000 max.<\/span><\/p>\n

Credit card APRs for A, B, C credit scores:<\/strong><\/span> 9.99%-18.99%.<\/span><\/p>\n

Best APR for 60-month auto loan:<\/strong><\/span> 2.69%<\/span><\/p>\n

Lowest 30-year fixed rate res. mortgage APR:<\/strong><\/span> 4.128%<\/span><\/p>\n

Lowest res. mortgage APR & terms:<\/strong><\/span> 3.125%, 10-yr. fixed.<\/span><\/p>\n

Highest APY opportunity:<\/strong><\/span> 1.56%, 5-year CD, $500 min.<\/span><\/p>\n

Highest CD APY & terms:<\/strong><\/span> 1.56%, 5-year CD, $500 min..<\/span><\/p>\n

Best APY for 12-month IRA: <\/strong><\/span>.35%, $500 min.<\/span><\/p>\n

Electronic check scanning on mobile devices:<\/strong><\/span> Yes <\/span><\/p>\n

Maine State\u00a0 <\/span>CREDIT UNION<\/strong><\/span>
\nmainestate.cuview.net<\/span><\/p>\n

Branches:<\/strong><\/span> 3; <\/span>Minimum ATM withdraw:<\/strong><\/span> $10;<\/span> Non-customer ATM charge<\/strong><\/span>: Yes; <\/span>Refund ATM surcharges: <\/strong><\/span>No<\/span><\/p>\n

Checking account fee:<\/strong><\/span> No.<\/span><\/p>\n

Highest savings account APY & terms:<\/strong><\/span> .15%, $25 min.<\/span><\/p>\n

Credit card APRs:<\/strong><\/span> From 9.99%.<\/span><\/p>\n

Best APR for 60-month auto loan:<\/strong><\/span> 2.99%<\/span><\/p>\n

Lowest 30-year fixed rate res. mortgage APR:<\/strong><\/span> 4.0%<\/span><\/p>\n

Lowest res. mortgage APR & terms:<\/strong><\/span> 2.75%, 10-year fixed.<\/span><\/p>\n

Highest APY opportunity:<\/strong><\/span> 1.65%, 5-year CD, $500 min.<\/span><\/p>\n

Highest CD APY & terms:<\/strong><\/span> 1.65%, 5-yr., $500 min.<\/span><\/p>\n

Best APY for 12-month IRA:<\/strong><\/span> .50%, $500 min.<\/span><\/p>\n

Electronic check scanning on mobile devices:<\/strong><\/span> No <\/span><\/p>\n

Ocean Communities Federal Credit union <\/strong><\/span>oceancommunities.com<\/span><\/p>\n

Branches:<\/strong><\/span> 5; <\/span>Minimum ATM withdraw: <\/strong><\/span>$5 or $20; <\/span>Non-customer ATM charge: <\/strong><\/span>$3; <\/span>Refund ATM surcharges:<\/strong><\/span> Yes, for most accounts<\/span><\/p>\n

Checking account fee:<\/strong><\/span> No<\/span><\/p>\n

Highest savings account APY & terms:<\/strong><\/span> .10%, $250 min.<\/span><\/p>\n

Credit card APRs for A, B, C credit scores:<\/strong><\/span> N\/A<\/span><\/p>\n

Best APR for 60-month auto loan:<\/strong><\/span> 2.75%%<\/span><\/p>\n

Lowest 30-year fixed rate res. mortgage APR:<\/strong><\/span> 4.128%<\/span><\/p>\n

Lowest res. mortgage APR & terms: <\/strong><\/span>3.415% 10-year<\/span><\/p>\n

Highest APY opportunity:<\/strong><\/span> 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.<\/span><\/p>\n

Highest CD APY & terms:<\/strong><\/span> .85%, 5-year, 1.81%, $500 min.<\/span><\/p>\n

Best APY for 12-month IRA:<\/strong><\/span> .45%, $500 min.<\/span><\/p>\n

Electronic check scanning on mobile devices:<\/strong><\/span> Yes<\/span><\/p>\n

PEOPLES CHOICE CREDIT UNION <\/strong><\/span>peopleschoicecreditunion.com<\/span><\/p>\n

Branches:<\/strong><\/span> 4; <\/span>Minimum ATM withdraw:<\/strong><\/span> $10; <\/span>Non-customer ATM charge:<\/strong><\/span> $2;<\/span> Refund ATM surcharges:<\/strong><\/span> No<\/span><\/p>\n

Checking account fee:<\/strong><\/span> No<\/span><\/p>\n

Highest savings account APY & terms:<\/strong><\/span> 0.50%, Money Market savings, $250,000 min.<\/span><\/p>\n

Credit card APRs:<\/strong><\/span> From 9.90%<\/span><\/p>\n

Best APR for 60-month auto loan:<\/strong><\/span> 2.49%<\/span><\/p>\n

Lowest 30-year fixed rate res. mortgage APR: <\/strong><\/span>4.0% <\/span><\/p>\n

Lowest res. mortgage APR & terms:<\/strong><\/span> 3.25%, 15-year fixed<\/span><\/p>\n

Highest APY opportunity:<\/strong><\/span> 2.30%, 7-year CD, $10,000 min.<\/span><\/p>\n

Highest CD APY & terms:<\/strong><\/span> 2.30%, 7-year , $10,000 min.<\/span><\/p>\n

Best APY for 12-month IRA:<\/strong><\/span> .45%, $10,000 minimum.<\/span><\/p>\n

Electronic check scanning on mobile devices: No.<\/span><\/p>\n

TOWN & COUNTRY FEDERAL CREDIT UNION <\/strong><\/span>tcfcu.com<\/span><\/p>\n

Branches: 6; Minimum ATM withdraw: $1; Non-customer ATM charge: $2; Refund ATM surcharges: Yes, with Rewards Checking.<\/span><\/p>\n

Checking account fee:<\/strong><\/span> No<\/span><\/p>\n

Highest savings account APY & terms: <\/strong><\/span>.15%, $25 minimum deposit.<\/span><\/p>\n

Credit card APRs for A, B, C credit scores:<\/strong><\/span> 8.9%-17.9%.<\/span><\/p>\n

Best APR for 60-month auto loan:<\/strong><\/span> 2.49% for new car;<\/span><\/p>\n

Lowest 30-year fixed rate res. mortgage APR:<\/strong><\/span> 4.47%<\/span><\/p>\n

Lowest res. mortgage APR & terms: <\/strong><\/span>3.81% 10-yr .fixed<\/span><\/p>\n

Highest APY opportunity:<\/strong><\/span> 3.01%, up to $10,000, with Rewards Checking.<\/span><\/p>\n

Highest CD APY & terms:<\/strong><\/span> 1.74%, 5-year CD, min $500<\/span><\/p>\n

Best APY for 12-month IRA:<\/strong><\/span> 0.5%<\/span><\/p>\n

Electronic check scanning on mobile devices:<\/strong><\/span> Yes<\/span><\/p>\n

UNIVERSITY CREDIT UNION <\/strong><\/span>ucu.maine.edu<\/span><\/p>\n

Branches:<\/strong><\/span> 8; <\/span>Minimum ATM withdraw:<\/strong><\/span> $5, or 20; <\/span>Non-customer ATM charge:<\/strong><\/span> $2; <\/span>Refund ATM surcharges:<\/strong><\/span> In some circumstances. <\/span><\/p>\n

Checking account fee: <\/strong><\/span>No<\/span><\/p>\n

Highest savings account APY & terms: <\/strong><\/span>2.97 Kasasa Cash up to.$10,000<\/span><\/p>\n

Credit card APRs for A, B, C credit scores: <\/strong><\/span>7.99% to 17.99%<\/span><\/p>\n

Best APR for 60-month auto loan:<\/strong><\/span> 2.49%, $7,500 minimum loan amount<\/span><\/p>\n

Lowest 30-year fixed rate res. mortgage APR:<\/strong><\/span> 3.875%<\/span><\/p>\n

Lowest res. mortgage APR & terms: <\/strong><\/span>2.875%, 10-year fixed.<\/span><\/p>\n

Highest APY opportunity:<\/strong><\/span> 1.20%, 5-year CD or 2.97% Kasasa Cash up to $10,000.<\/span><\/p>\n

Highest CD APY & terms:<\/strong><\/span> 1.20%, 5-year CD.<\/span><\/p>\n

Best APY for 12-month IRA: <\/strong><\/span>0.3%<\/span><\/p>\n

Electronic check scanning on mobile devices: <\/strong><\/span>Yes<\/span><\/p>\n

\n\n\r\n

<\/div>\n

Comments or questions about this story? Email us now!<\/p>\r\n

\r\n
\r\n\n
\n *<\/span> indicates required field<\/span>\n<\/div>\n\n\n
\n
\r\n
\n