{"id":14121,"date":"2017-11-22T18:24:11","date_gmt":"2017-11-22T23:24:11","guid":{"rendered":"http:\/\/www.portlandmonthly.com\/portmag\/?p=14121"},"modified":"2017-12-26T11:56:08","modified_gmt":"2017-12-26T16:56:08","slug":"this-is-the-year-your-ship-comes-in","status":"publish","type":"post","link":"https:\/\/www.portlandmonthly.com\/portmag\/this-is-the-year-your-ship-comes-in\/","title":{"rendered":"This Is The Year Your Ship Comes In"},"content":{"rendered":"

December 2017 | view this story as a .pdf<\/a><\/p>\n

See what Maine\u2019s banks<\/strong> & credit unions<\/strong> are doing to win you<\/em><\/strong> over in 2018<\/strong>.<\/span><\/h3>\n

By Christopher Murray<\/span><\/p>\n

\"Banks-DEC17\"Ever dream of kayaking down the rapids of your income stream? All we need is a paddle and a little direction. That\u2019s where this compare-and-contrast story comes in. Maine\u2019s financial institutions may be eager to help you navigate through the money maze\u2013but which do we choose?<\/p>\n

Looking for a high-yield checking account? Town & Country Federal Credit Union<\/strong> offers a 3.01% APY on up to $10,000 with Rewards Checking. Want a bank that actually gives back? Bath Savings Institution<\/strong> offers the Neighbor to-Neighbor-program, where they make a $25 donation to a non-profit of your choice when you open a checking account. Town & Country Federal Credit Union<\/strong> caters to the tech-savv, offering customers a voice-activated banking app through Amazon\u2019s Alexa Skills device. <\/span><\/p>\n

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

Branches:<\/strong><\/span> 12; <\/span>Non-customer ATM charge:<\/strong><\/span> $2.25<\/span><\/p>\n

Refund ATM surcharges:<\/strong><\/span> With certain accounts<\/span><\/p>\n

Checking account fee:<\/strong><\/span> None when minimum
\ndeposit requirements are met ($10 if not met)<\/span><\/p>\n

Highest savings account APY & terms: <\/strong><\/span>1.10%, $100,000 min.<\/span><\/p>\n

Credit card APRs for A, B, C credit scores:<\/strong><\/span> 8.99%
\nto 26.99%<\/span><\/p>\n

Best APR for 60-month auto loan:<\/strong><\/span> 5.32% for
\ncustomers, 7.85% for non-customers<\/span><\/p>\n

Lowest 30-year fixed rate res. mortgage APR: <\/strong><\/span>4.023%<\/span><\/p>\n

Lowest res. mortgage APR & terms:<\/strong><\/span> 3.415%,
\n15-year fixed<\/span><\/p>\n

Highest APY opportunity:<\/strong><\/span> 1.15%, 35-month CD, $10,000 min. deposit<\/span><\/p>\n

Highest CD APY & terms:<\/strong><\/span> 1.15%, 35-month CD, $10,000 min. deposit<\/span><\/p>\n

Best APY for 12-month IRA:<\/strong><\/span> 0.25%, $500 min. deposit<\/span><\/p>\n

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

Game Changer: <\/strong><\/span>\u201cOur personalized relationship banking helps our clients care for their families, grow their businesses, and plan for the future. At Androscoggin Bank you will find the smarter banking you deserve.\u201d \u2013Paul Andersen, President and CEO<\/em><\/span><\/p>\n

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

Branches:<\/strong><\/span> 2; <\/span>Non-customer ATM charge:<\/strong><\/span> $3
\n<\/span>Refund ATM surcharges: <\/strong><\/span>Some accounts will receive refunds of up $10\/month<\/span><\/p>\n

Checking account fee: <\/strong><\/span>Classic Connect account is free; Click Connect account is $3\/month, or free if you meet requirements.<\/span><\/p>\n

Highest savings account APY & terms:<\/strong><\/span> Health Savings Account: 0.35% for $25 minimum for account opening; Money Market Complete Account: 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> 3.516%<\/span><\/p>\n

Lowest 30-year fixed rate res. mortgage APR:<\/strong><\/span> 5.044%<\/span><\/p>\n

Lowest res. mortgage APR & terms: <\/strong><\/span>4.325%,
\n15-year fixed<\/span><\/p>\n

Highest APY opportunity:<\/strong><\/span> 1.35% CD\/IRA, 5-year fixed, $500 min. deposit (or current 1.55% 30-month CD\/IRA special)<\/span><\/p>\n

Highest CD APY & terms:<\/strong><\/span> 1.35%, 5-year fixed, $500 min. deposit (or current 1.55% 30-month special)<\/span><\/p>\n

Best APY for 12-month IRA:<\/strong><\/span> 0.25% (or current
\nspecial of 1.06% for qualifying customers)<\/span><\/p>\n

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

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

Number of bank branches in state: <\/strong><\/span>56; <\/span>Non-customer
\nATM charge:<\/strong><\/span> $3.50<\/span><\/p>\n

Refund ATM surcharges for customers?:<\/strong><\/span> Yes<\/span><\/p>\n

Checking account fee?:<\/strong><\/span> None for Benefit Checking<\/span><\/p>\n

Highest savings account APY & terms:<\/strong><\/span> Benefit Money Market 0.30%, $100,000 min. deposit<\/span><\/p>\n

Credit card APRs for A, B, C credit scores: <\/strong><\/span>10.99% to 23.99% (purchase APR)<\/span><\/p>\n

Best APR for 60-month auto loan:<\/strong><\/span> 5.04%<\/span><\/p>\n

Lowest 30-year fixed rate res. mortgage APR:<\/strong><\/span> 4.363% <\/span><\/p>\n

Lowest res. mortgage APR & terms: <\/strong><\/span>3.500%, for 15-year fixed <\/span><\/p>\n

Highest APY opportunity: <\/strong><\/span>1.46%, 5-year CD as a non-Benefit Plus Checking Account member<\/span><\/p>\n

Highest CD APY & terms:<\/strong><\/span> 1.46%, 5-year as a non-Benefit Plus Checking Account member, jumps to 1.56% as a Benefit Plus Checking Account member<\/span><\/p>\n

Best APY for 12-month IRA:<\/strong><\/span> 0.50% requires Benefit Plus Checking Account, $500 min.<\/span><\/p>\n

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

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

Branches:<\/strong><\/span> 16; <\/span>Non-customer ATM charge:<\/strong><\/span> $5<\/span><\/p>\n

Refund ATM surcharges:<\/strong><\/span> With some accounts<\/span><\/p>\n

Checking account fee: $12 basic. None when certain requirements are met<\/span><\/p>\n

Highest savings account APY & terms:<\/strong><\/span> 0.03% with Rewards Money Market Savings Account, jumps to 0.06% for Preferred Rewards
\nPlatinum Honors tier APY<\/span><\/p>\n

Credit card APRs for A, B, C credit scores: <\/strong><\/span>12.99% – 22.99% <\/span><\/p>\n

Best APR for 60-month auto loan:<\/strong><\/span> 2.79% with new car<\/span><\/p>\n

Lowest 30-year fixed rate res. mortgage<\/strong><\/span> APR:<\/strong><\/span> 4.196%<\/span><\/p>\n

Lowest res. mortgage APR & terms:<\/strong><\/span> 3.619%,
\n15-year fixed<\/span><\/p>\n

Highest APY opportunity:<\/strong><\/span> 1.00%, 10-year fixed CD<\/span><\/p>\n

Highest CD APY & terms:<\/strong><\/span> 1.00%, 10-year fixed<\/span><\/p>\n

Best APY for 12-month IRA:<\/strong><\/span> 0.05%, $2,000 min. deposit<\/span><\/p>\n

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

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

Branches:<\/strong><\/span> 13; <\/span>Non-customer ATM charge:<\/strong><\/span> $2<\/span><\/p>\n

Refund ATM surcharges:<\/strong><\/span> No<\/span><\/p>\n

Checking account fee:<\/strong><\/span> None for eChecking NOW accounts with eStatements<\/span><\/p>\n

Highest savings account APY & terms:<\/strong><\/span> 0.12% Super Savings Account<\/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> 4.292% for
\na new car<\/span><\/p>\n

Lowest 30-year fixed rate res. mortgage APR:<\/strong><\/span> 4.306%<\/span><\/p>\n

Lowest res. mortgage APR & terms:<\/strong><\/span> 3.723%,
\n15-year fixed<\/span><\/p>\n

Highest APY opportunity:<\/strong><\/span> 0.95% for a 5.75 year, $500 min. deposit<\/span><\/p>\n

Highest CD APY & terms:<\/strong><\/span> 0.95% for a 5.75 year, $500 min. deposit<\/span><\/p>\n

Best APY for 12-month IRA:<\/strong><\/span> 0.15%, $500 min.
\ndeposit<\/span><\/p>\n

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

Game Changer:<\/strong><\/span> \u201cAt Bath Savings you can make a difference in your community with the Neighbor to Neighbor program. With every new checking account we make a $25 donation to a non-profit of your choice. \u201d
\n\u2013Glenn Hutchinson, President\/CEO<\/em><\/span><\/p>\n

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

Branches:<\/strong><\/span> 6; <\/span>Non-customer ATM charge:<\/strong><\/span> $2.50<\/span><\/p>\n

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>0.25%, $100,000 min. balance<\/span><\/p>\n

Credit card APRs for A, B, C credit scores:<\/strong><\/span> 14.99% to 18.99%<\/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> 3.913%<\/span><\/p>\n

Lowest res. mortgage APR & terms:<\/strong><\/span> 3.095%,
\n10-year fixed<\/span><\/p>\n

Highest APY opportunity: <\/strong><\/span>1.87%, 5-year CD, $1,500 min. deposit<\/span><\/p>\n

Highest CD APY & terms:<\/strong><\/span> 1.87%, 5-year, $1,500 min. deposit<\/span><\/p>\n

Best APY for 12-month IRA:<\/strong><\/span> 0.85%<\/span><\/p>\n

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

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

Branches: <\/strong><\/span>62;\u00a0 <\/span><\/span>Non-customer ATM charge:<\/strong><\/span> $3.50<\/span><\/p>\n

Refund ATM surcharges:<\/strong><\/span> Up to $10 with some accounts<\/span><\/p>\n

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

Highest savings account APY & terms:<\/strong><\/span> 0.20%, $250,000 min. balance. Promise
\nMoney Market<\/span><\/p>\n

Credit card APRs for A, B, C credit scores:<\/strong><\/span> 12.99% to 23.99% (Visa Rewards card)<\/span><\/p>\n

Game Changer:<\/strong><\/span> \u201cWe are the largest community bank in Maine. We have the most branches in the state.\u201d \u2013Chad Daley, Assistant Bank Center Manager<\/em><\/span><\/p>\n

DAMARISCOTTA BANK & TRUST CO.
\n<\/strong>damariscottabank.com<\/a><\/span><\/p>\n

Branches:<\/strong><\/span> 6; <\/span>Non-customer ATM charge:<\/strong><\/span> Yes<\/span><\/p>\n

Refund ATM surcharges:<\/strong><\/span> No<\/span><\/p>\n

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

Highest savings account APY & terms: <\/strong><\/span>0.25%, $100,000 min. Money Market Account<\/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>4.5%<\/span><\/p>\n

Lowest 30-year fixed rate res. mortgage APR: <\/strong><\/span>4.75%<\/span><\/p>\n

Lowest res. mortgage APR &amp; terms: <\/strong><\/span>3.5%, 10-year fixed (based on mortgage calculator)<\/span><\/p>\n

Highest APY opportunity:<\/strong><\/span> 1.28%, 18-month
\nvariable CD<\/span><\/p>\n

Highest CD APY & terms:<\/strong><\/span> 1.28%, 18-month
\nvariable CD<\/span><\/p>\n

Best APY for 12-month IRA:<\/strong><\/span> 0.15%<\/span><\/p>\n

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

EVERGREEN\u00a0CREDIT UNION
\n<\/strong>egcu.org<\/a>
\n<\/span><\/p>\n

Branches:<\/strong><\/span> 4; <\/span>Non-customer ATM charge:\u00a0<\/strong><\/span>$2.75<\/span><\/p>\n

Refund ATM surcharges: <\/strong>Yes with Breeze Checking account<\/span><\/p>\n

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

Highest savings account APY & terms: <\/strong>0.05%, $25 minimum deposit<\/span><\/p>\n

Credit card APRs for A, B, C credit scores:<\/strong>\u00a0<\/span>As low as 7.99%<\/p>\n

Best APR for 60-month auto loan: <\/strong>As low as 2.25%<\/span><\/p>\n

\n

Highest APY opportunity: <\/strong>60 Month CD at 1.75%<\/span><\/p>\n

Highest CD APY & terms: <\/strong>1.75% for 60 months<\/span><\/p>\n

Best APY for 12-month IRA:<\/strong> 0.50%<\/span><\/p>\n

Electronic check scanning on mobile devices:\u00a0<\/strong><\/span>Yes and Mobile Bill Pay<\/span><\/p>\n

Game Changer:<\/strong><\/span> “As a local credit union, we get to really know our members and care about their financial well-being. We also continually strive to enrich the many communities we serve.\u00a0 We have been recognized as one of the best places to work in Maine and our team is excited to help our members and those looking to join.”\u00a0\u2013Jason Lindstrom, President\/CEO<\/em><\/span><\/p>\n

FIRST NATIONAL BANK
\n<\/strong>thefirst.com<\/a><\/span><\/p>\n

Branches:<\/strong><\/span> 16; <\/span>Non-customer ATM charge: <\/strong><\/span>$2.50<\/span><\/p>\n

Refund ATM surcharges:<\/strong><\/span> No<\/span><\/p>\n

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

Highest savings account APY & terms: <\/strong><\/span>First Choice Money Market 0.25%, $100,000 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> 3.983%<\/span><\/p>\n

Lowest 30-year fixed rate res. mortgage APR:<\/strong><\/span> 4.1% (based on Portland area)<\/span><\/p>\n

Lowest res. mortgage APR & terms: <\/strong><\/span>3.6%, 15-year fixed (based on Portland area)<\/span><\/p>\n

Highest APY opportunity:<\/strong><\/span> 2.10%, 5-year current special, $500 min. deposit<\/span><\/p>\n

Highest CD APY & terms:<\/strong><\/span> 2.10%, 5-year current special, $500 min. deposit<\/span><\/p>\n

Best APY for 12-month IRA: <\/strong><\/span>0.25%, minimum $500<\/span><\/p>\n

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

Game Changer:<\/strong><\/span> \u201cWe\u2019ve expanded our \u2018Dream First Rewards\u2019 program for checking accounts. You\u2019ll earn discounts with over 100 local merchants, thereby also supporting local business while you shop.\u201d\u2013Susan
\nNorton, Executive Vice President<\/em><\/span><\/p>\n

FRANKLIN SAVINGS BANK
\n<\/strong>franklinsavingsbank.com<\/a><\/span><\/p>\n

Branches:<\/strong><\/span> 7; <\/span>Non-customer ATM charge:<\/strong><\/span><\/p>\n

Refund ATM surcharges:<\/strong><\/span> No<\/span><\/p>\n

Checking account fee:<\/strong><\/span> None if you meet
\ncertain requirements<\/span><\/p>\n

Highest savings account APY & terms: <\/strong><\/span>0.15%, $50,000 + Money Market Account<\/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> 3.63% on new
\ncars (special rate)<\/span><\/p>\n

Lowest 30-year fixed rate res. mortgage APR:<\/strong><\/span> 4.158%<\/span><\/p>\n

Lowest res. mortgage APR & terms:<\/strong><\/span> 3.558%, 15-year fixed<\/span><\/p>\n

Highest APY opportunity:<\/strong><\/span> 1.30% 59-month special $2,500 min.<\/span><\/p>\n

Highest CD APY & terms<\/strong><\/span>: 1.30% 59-month special $2,500 min.<\/span><\/p>\n

Best APY for 12-month IRA:<\/strong><\/span> 0.15%, $500 min.<\/span><\/p>\n

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

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

Branches:<\/strong><\/span> 14; <\/span>Non-customer ATM charge: <\/strong><\/span>$3.50<\/span><\/p>\n

Refund ATM surcharges: <\/strong><\/span>Yes, for some accounts<\/span><\/p>\n

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

cHighest savings account APY & terms:<\/strong><\/span> 0.25%, $75,000 min.<\/span><\/p>\n

Credit card APRs for A, B, C credit scores:<\/strong><\/span> 13.99% – 23.99%<\/span><\/p>\n

Best APR for 60-month auto loan:<\/strong><\/span> 4.13% <\/span><\/p>\n

Lowest 30-year fixed rate res. mortgage APR:<\/strong><\/span> 4.172%<\/span><\/p>\n

Lowest res. mortgage APR & terms:<\/strong><\/span> 3.415%,
\n10-year fixed<\/span><\/p>\n

Highest APY opportunity:<\/strong><\/span> 1.15%,
\n5-year, $500 min. deposit<\/span><\/p>\n

Highest CD APY & terms:<\/strong><\/span> 1.15%,
\n5-year, $500 min. deposit<\/span><\/p>\n

Best APY for 12-month IRA:<\/strong><\/span> 0.40%, minimum $500<\/span><\/p>\n

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

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

Branches:<\/strong><\/span> 13; <\/span>Non-customer ATM charge: <\/strong><\/span>$3<\/span><\/p>\n

Refund ATM surcharges:<\/strong><\/span> Yes<\/span><\/p>\n

Checking account fee: <\/strong><\/span>Not for the
\nBreakaway Checking<\/span><\/p>\n

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

Credit card APRs for A, B, C credit scores: <\/strong><\/span>12.99%
\nto 23.99%<\/span><\/p>\n

Best APR for 60-month auto loan:<\/strong><\/span> 4.29% for a new car<\/span><\/p>\n

Lowest 30-year fixed rate res. mortgage APR:<\/strong><\/span> 3.80%<\/span><\/p>\n

Lowest res. mortgage APR & terms: <\/strong><\/span>3.350%,
\n15-year fixed<\/span><\/p>\n

Highest APY opportunity:<\/strong><\/span> 1.31%, 5-yr. CD, $500 min. deposit<\/span><\/p>\n

Highest CD APY & terms:<\/strong><\/span> 1.31%, 5-year $500 min. deposit<\/span><\/p>\n

Best APY for 12-month IRA:<\/strong><\/span> 0.40%, $500 minimum<\/span><\/p>\n

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

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

Branches:<\/strong><\/span> 50; <\/span>Non-customer ATM charge:<\/strong><\/span> $3<\/span><\/p>\n

Refund ATM surcharges:<\/strong><\/span> With some accounts<\/span><\/p>\n

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

Highest savings account APY & terms:<\/strong><\/span> 0.35%, 3-month bonus promotion; 0.05%
\nwithout bonus<\/span><\/p>\n

Credit card APRs for A, B, C credit scores:<\/strong><\/span> 13.99%-22.99%<\/span><\/p>\n

Best APR for 60-month auto loan:<\/strong><\/span> 3.74%<\/span><\/p>\n

Highest APY opportunity:<\/strong><\/span> 1.15%, 29-month Tiered CD (with rewards), $2,500 min.<\/span><\/p>\n

Highest CD APY & terms:<\/strong><\/span> 1.15%, 29-month Tiered CD (with rewards), $2,500 min.<\/span><\/p>\n

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

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

Game Changer:<\/strong><\/span> \u201cKey Privilege Accounts have no monthly fee, free checks, and a free safe-deposit box.\u201d \u2013Sandy Walsh, Marketing<\/em><\/span><\/p>\n

MACHIAS SAVINGS BANK
\n<\/strong>machiassavings.com<\/a><\/span><\/p>\n

Branches:<\/strong><\/span> 19; <\/span>Non-customer ATM charge:<\/strong><\/span> $4<\/span><\/p>\n

Refund ATM surcharges:<\/strong><\/span> With some accounts<\/span><\/p>\n

Checking account fee:<\/strong><\/span> None with the Ultimate Green account<\/span><\/p>\n

Highest savings account APY & terms:<\/strong><\/span> 0.25%, $25,000 min. balance<\/span><\/p>\n

Credit card APRs for A, B, C credit scores: <\/strong><\/span>8.99%-26.99%<\/span><\/p>\n

Best APR for 60-month auto loan:<\/strong><\/span> 4.675%<\/span><\/p>\n

Lowest 30-year fixed rate res. mortgage APR:<\/strong><\/span> 4.324%<\/span><\/p>\n

Lowest res. mortgage APR terms: <\/strong><\/span>3.679 10-year fixed<\/span><\/p>\n

Highest APY opportunity:<\/strong><\/span> 1.50%, 5-year CD, $1,000 min. deposit<\/span><\/p>\n

Highest CD APY & terms:<\/strong><\/span> 1.50%, 5-year CD, $1,000 min. deposit<\/span><\/p>\n

Best APY for 12-month IRA:<\/strong><\/span> 0.37%, $250 min. deposit<\/span><\/p>\n

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

MECHANICS\u2019 SAVINGS BANK
\n<\/strong>mechanicssavings.com<\/a><\/span><\/p>\n

Branches<\/strong><\/span>: 4; <\/span>Non-customer ATM charge:<\/strong><\/span><\/p>\n

Refund ATM surcharges:<\/strong><\/span>\u00a0 <\/span>Yes<\/span><\/p>\n

Checking account fee:<\/strong><\/span> Fees waived if you meet certain criteria <\/span><\/p>\n

Highest savings account APY & terms:<\/strong><\/span> 0.30% Relationship Money Market <\/span><\/p>\n

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

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

Lowest 30-year fixed rate res. mortgage APR:<\/strong><\/span> 3.977%<\/span><\/p>\n

Lowest res. mortgage APR & terms:<\/strong><\/span> 3.257%,
\n10-year fixed<\/span><\/p>\n

Highest APY opportunity<\/strong><\/span>: 1.87%, CD\/IRA, $500 min.<\/span><\/p>\n

Highest CD APY & terms: <\/strong><\/span>1.87%, $500 min.<\/span><\/p>\n

Best APY for 12-month IRA<\/strong><\/span>: 0.75%, $500 min.
\ndeposit<\/span><\/p>\n

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

NORTHEAST BANK
\n<\/strong>northeastbank.com<\/a><\/span><\/p>\n

Branches:<\/strong><\/span> 10; <\/span>Non-customer ATM charge<\/strong><\/span>: $3.50<\/span><\/p>\n

Refund ATM surcharges<\/strong><\/span>: No<\/span><\/p>\n

Checking account fee:<\/strong><\/span> None for Northeast
\nExpress account<\/span><\/p>\n

Highest savings account APY & terms:<\/strong><\/span> 1.10% APY Pearl Money Market (available to NEW customers, $5,000 min. 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> 6.209%<\/span><\/p>\n

Lowest 30-year fixed rate res. mortgage APR:<\/strong><\/span> 4.071%\u00a0<\/span><\/p>\n

Lowest res. mortgage APR & terms: <\/strong><\/span>3.498%,
\n15-year fixed<\/span><\/p>\n

Highest APY opportunity:<\/strong><\/span> 1.10% APY Pearl
\nMoney Market<\/span><\/p>\n

Highest CD APY & terms:<\/strong><\/span> 1.40%, 5-year CD, $500 min. deposit<\/span><\/p>\n

Best APY for 12-month IRA<\/strong><\/span>: 0.20%, 5-year, $500 min. deposit<\/span><\/p>\n

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

Game Changer<\/strong><\/span>: \u201cWith our high-yield Pearl Money Market account, competitive CD rates, and state-of-the-art mobile banking tools like Mobile Check Deposit, Northeast Bank offers personal deposit products designed to fit your needs.\u201d \u2013Chris Delamater, Marketing Director<\/em><\/span><\/p>\n

NORWAY SAVINGS BANK
\n<\/strong>norwaysavings.bank<\/a><\/span><\/p>\n

Branches:<\/strong><\/span> 24; <\/span>Non-customer ATM charge:<\/strong><\/span> $4<\/span><\/p>\n

Refund ATM surcharges:<\/strong><\/span> Yes, up to $20 for
\ncertain accounts<\/span><\/p>\n

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

Highest savings account APY & terms:<\/strong> 0.10%, $100,000 min. balance (with requirements)<\/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> 3.626% for a $30,000 new car
\n<\/span>Lowest 30-year fixed rate res. mortgage APR: <\/strong><\/span>4.060%<\/span><\/p>\n

Lowest res. mortgage APR & terms:<\/strong><\/span> 3.443%,
\n15-year fixed<\/span><\/p>\n

Highest APY opportunity:<\/strong><\/span> 1.10%, Premium CD,\u00a0 <\/span>5-year, $500 min. deposit<\/span><\/p>\n

Highest CD APY & terms: <\/strong><\/span>1.10%, Premium CD,\u00a0 <\/span>5-year, $500 min. deposit<\/span><\/p>\n

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

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

Game Changer: \u201c<\/strong><\/span>Every new checking account comes with a 90-day free trial of GenGold\u2013a service which features discounts at more than 1,000 local businesses and on gift cards, world-wide travel, and hundreds of other retailers and services.\u00a0 <\/span>It even has identity restoration services in the event that you are involved in a data breach.\u201d
\n\u2013Melissa Rock, Marketing and Communications Officer, VP<\/em><\/span><\/p>\n

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

Branches:<\/strong><\/span> 27; <\/span>Non-customer ATM charge:<\/strong><\/span> $3<\/span><\/p>\n

Refund ATM surcharges:<\/strong><\/span> Yes, with some
\naccounts Checking account fee: $10-$30 depending on account, waived if you meet certain requirements<\/span><\/p>\n

Highest savings account APY & terms: <\/strong><\/span>0.35%
\nPremier Advantage Money Market Account, $100,000 min.<\/span><\/p>\n

Credit card APRs for A, B, C credit scores<\/strong><\/span>: 10.99%
\nto 21.99%<\/span><\/p>\n

Lowest 30-year fixed rate res. mortgage APR:<\/strong><\/span> 3.298%<\/span><\/p>\n

Lowest res. mortgage APR & terms:<\/strong><\/span> 3.379%,
\n15-year fixed<\/span><\/p>\n

Highest APY opportunity:<\/strong><\/span> 1.05%, Business
\nAdvantage CD<\/span><\/p>\n

Highest CD APY & terms:<\/strong><\/span> 1.05%, Business
\nAdvantage CD<\/span><\/p>\n

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

ROCKLAND SAVINGS BANK
\n<\/strong>rocklandsavingsbank.com<\/a><\/span><\/p>\n

Branches:<\/strong><\/span> 2; <\/span>Non-customer ATM charge<\/strong><\/span>:<\/span><\/p>\n

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>0.25%, $100,000 balance required<\/span><\/p>\n

Credit card APRs for A, B, C credit scores:<\/strong><\/span> 0% Intro APR for the first 12 billing cycles, 10.99% – 20.99% after that<\/span><\/p>\n

Highest APY opportunity:<\/strong><\/span> 2.05%, 4-year special, $500 min.<\/span><\/p>\n

Highest CD APY & terms:<\/strong><\/span> 2.05%, 4-year special, $500 min.<\/span><\/p>\n

Best APY for 12-month IRA:<\/strong><\/span> 0.25%, $500 min.<\/span><\/p>\n

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

Branches<\/strong><\/span>: 8; <\/span>Non-customer ATM charge<\/strong><\/span>: $3.50<\/span><\/p>\n

Refund ATM surcharges: No<\/span><\/p>\n

Checking account fee<\/strong><\/span>: Several no fee options<\/span><\/p>\n

Highest savings account APY & terms<\/strong><\/span>: 0.70% Youth Savings Account; 0.55% Mainely Preferred Savings, $250,000 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> 3.625%<\/span><\/p>\n

Lowest 30-year fixed rate res. mortgage APR:<\/strong><\/span> 4.316%<\/span><\/p>\n

Lowest res. mortgage APR & terms:<\/strong><\/span> 3.988%,
\n15-year fixed<\/span><\/p>\n

Highest APY opportunity:<\/strong><\/span> 1.86%, 5-year CD, $500 min. deposit<\/span><\/p>\n

Highest CD APY & terms:<\/strong><\/span> 1.86%, 5-year CD, $500 min. deposit<\/span><\/p>\n

Best APY for 12-month IRA:<\/strong><\/span> 0.90%, $500 min. deposit<\/span><\/p>\n

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

Game Changer:<\/strong><\/span> \u201cWe recently launched a Community Debit Card Program with five of our local school districts and with every non-ATM transaction, we\u2019ll donate a portion of the transaction fees to each of the school districts depending on the card you choose.\u201d \u2013Bob Quentin, President & CEO<\/em><\/span><\/p>\n

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

Branches:<\/strong><\/span> 8; <\/span>Non-customer ATM charge:<\/strong><\/span> Yes<\/span><\/p>\n

Refund ATM surcharges:<\/strong><\/span> Yes, with
\nUltimate Checking<\/span><\/p>\n

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

Highest savings account APY & terms: <\/strong><\/span>0.30%, Money Market, $25,000 min. 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> 3.0%<\/span><\/p>\n

Lowest 30-year fixed rate res. mortgage APR: <\/strong><\/span>4.034%<\/span><\/p>\n

Lowest res. mortgage APR & terms:<\/strong><\/span> 3.474%,
\n15-year fixed<\/span><\/p>\n

Highest APY opportunity:<\/strong><\/span> 1.87%, 5-year,
\n$500 min. deposit<\/span><\/p>\n

Highest CD APY & terms:<\/strong><\/span> 1.87%, 5-year,
\n$500 min. deposit<\/span><\/p>\n

Best APY for 12-month IRA:<\/strong><\/span> 0.10%, variable,
\n$5,000 min. deposit<\/span><\/p>\n

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

\u201cGame changer\u201d:<\/strong><\/span> \u201cWe still have a live person answering the phones during business hours\u2013no more getting stuck in a queue or dealing with outsourced customer service.\u201d
\n\u2013Deborah Mullen VP\/Marketing Director <\/em><\/span><\/p>\n

SKOWHEGAN SAVINGS BANK
\n<\/strong>skowhegansavings.com<\/a><\/span><\/p>\n

Branches:<\/strong><\/span> 15; <\/span>Non-customer ATM charge:<\/strong><\/span> Yes<\/span><\/p>\n

Refund ATM surcharges:<\/strong><\/span> No<\/span><\/p>\n

Checking account fee:<\/strong><\/span> Free when you meet monthly balance requirements<\/span><\/p>\n

Highest savings account APY & terms: <\/strong><\/span>0.30%, Integrity Plus Money Market account, $250,000+ balance <\/span><\/p>\n

Credit card APRs for A, B, C credit scores:<\/strong><\/span> 12.99% to 23.99% Visa Bonus Rewards<\/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> 4.632%<\/span><\/p>\n

Lowest res. mortgage APR & terms:<\/strong><\/span> 3.625%, 10-year<\/span><\/p>\n

Highest APY opportunity:<\/strong><\/span> 1.10%, CD Special for Integrity Plus Customers only, $500 min. to open<\/span><\/p>\n

Highest CD APY & terms:<\/strong><\/span> 1.10%, CD Special
\nfor Integrity Plus Customers only, $500 min. to open<\/span><\/p>\n

Best APY for 12-month IRA:<\/strong><\/span> 0.40% (2-year)<\/span><\/p>\n

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

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

Branches:<\/strong><\/span> 46; <\/span>Non-customer ATM charge:<\/strong><\/span> $3<\/span><\/p>\n

Refund ATM surcharges:<\/strong><\/span> With certain accounts<\/span><\/p>\n

Checking account fee:<\/strong><\/span> Free with $100 min. balance (TD Convienience account); Free with $2,500 min. balance (TD Premier account); $5.99 (TD Simple account)<\/span><\/p>\n

Highest savings account APY & terms: <\/strong><\/span>0.75%, $100,00 min. balance and qualified account activity<\/span><\/p>\n

Credit card APRs for A, B, C credit scores: <\/strong><\/span>13.99%, 18.99% or 23.99% <\/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> 4.00%<\/span><\/p>\n

Lowest res. mortgage APR & terms:<\/strong><\/span> 3.550%, 15-year fixed HomeReady<\/span><\/p>\n

Highest APY opportunity:<\/strong><\/span> 1.60%, TD Choice Promotional CD: 5 years with rate bump ($100,000+ balance), $250 min deposit<\/span><\/p>\n

Highest CD APY & terms:<\/strong><\/span> 1.60%, TD Choice Promotional CD: 5 years with rate bump ($100,000+ balance), $250 min deposit<\/span><\/p>\n

Best APY for 12-month IRA:<\/strong><\/span> 0.25%, $250 min.
\ndeposit<\/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>acadiafcu.org<\/a><\/span><\/p>\n

Branches:<\/strong><\/span>\u00a08; <\/span>Non-customer ATM charge:<\/strong><\/span> $1.50<\/span><\/p>\n

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>0.40%, Super Saver Account<\/span><\/p>\n

Credit card APRs for A, B, C credit scores: <\/strong><\/span>As low as 10.90%<\/span><\/p>\n

Best APR for 60-month auto loan:<\/strong><\/span> 3.29%<\/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 fixed CD<\/span><\/p>\n

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

Best APY for 12-month IRA:<\/strong><\/span> 0.40%<\/span><\/p>\n

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

Game Changer:<\/strong><\/span> \u201cWe are member-owned, we know our members, and our goal is to help our members financially succeed.\u201d \u2013David Desjardins, President\/CEO<\/em><\/span><\/p>\n

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

Branches:<\/strong><\/span> 4; <\/span>Non-customer ATM charge:<\/strong><\/span> $2.50<\/span><\/p>\n

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> 1.00% Kasasa Savings with checking account<\/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>1.99%<\/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> 3.541%, 10-year fixed<\/span><\/p>\n

Highest APY opportunity:<\/strong><\/span> 2.50% with Kasasa Checking <\/span><\/p>\n

Highest CD APY & terms:<\/strong><\/span> 1.71%, 5-year, $500 min. deposit<\/p>\n

Best APY for 12-month IRA:<\/strong><\/span> 0.75%, $500 min. deposit<\/span><\/p>\n

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

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

Branches:<\/strong><\/span> 3; <\/span>Non-customer ATM charge:<\/strong><\/span> $3<\/span><\/p>\n

R<\/span>efund ATM surcharges:<\/strong><\/span> No<\/span><\/p>\n

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

Highest savings account APY & terms:<\/strong><\/span> 0.40%, Money Market account, $25,000 min. balance<\/span><\/p>\n

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

Best APR for 60-month auto loan:<\/strong><\/span> 2.49% for a new car<\/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>3.541%,
\n10-year fixed<\/span><\/p>\n

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

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

Best APY for 12-month IRA:<\/strong><\/span> 1.21%, $100,000 min. balance (2-year)<\/span><\/p>\n

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

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

Branches:<\/strong><\/span> 4; <\/span>Non-customer ATM charge: <\/strong><\/span>$3<\/span><\/p>\n

R<\/span>efund ATM surcharges: <\/strong><\/span>Some<\/span><\/p>\n

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

Highest savings account APY & terms:<\/strong><\/span> 0.35%, Money Market Account, $2,500 min.<\/span><\/p>\n

Credit card APRs for A, B, C credit scores: <\/strong><\/span>12.99%-17.99%<\/span><\/p>\n

Best APR for 60-month auto loan: <\/strong><\/span>1.85%<\/span><\/p>\n

Lowest 30-year fixed rate res. mortgage APR:<\/strong><\/span> 4.50% (up to 15-years)<\/span><\/p>\n

Lowest res. mortgage APR & terms:<\/strong><\/span> 3.99%, fixed, 5-year<\/span><\/p>\n

Highest APY opportunity:<\/strong><\/span> 1.76%, 5-year CD<\/span><\/p>\n

Highest CD APY & terms:<\/strong><\/span> 1.76%, 5-year<\/span><\/p>\n

Best APY for 12-month IRA:<\/strong><\/span> 0.35%<\/span><\/p>\n

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

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

Branches<\/strong><\/span>: 5; <\/span>Non-customer ATM charge<\/strong><\/span>: No charge if part of the Surf Network<\/span><\/p>\n

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> 0.55%, $75,000 min. balance<\/span><\/p>\n

Credit card APRs for A, B, C credit scores: <\/strong><\/span>7.25%-12.25%<\/span><\/p>\n

Best APR for 60-month auto loan: <\/strong><\/span>2.40% for new car<\/span><\/p>\n

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

Lowest res. mortgage APR & terms:<\/strong><\/span> 3.250%
\n10-year fixed<\/span><\/p>\n

Highest APY opportunity:<\/strong><\/span> 2.12%, 5-year, $75,000 min. deposit<\/span><\/p>\n

Highest CD APY & terms:<\/strong><\/span> 2.12%, 5-year, $75,000 min. deposit<\/span><\/p>\n

Best APY for 12-month IRA:<\/strong><\/span> 1.11%, $75,000 min.<\/span><\/p>\n

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

Game Changer:<\/strong><\/span> \u201cWe have four full-time loan officers dedicated to getting members qualified for loans.\u201d \u2013Michelle Broderick, VP Marketing<\/em><\/span><\/p>\n

INFINITY FEDERAL CREDIT UNION
\n<\/strong>infinityfcu.com<\/a><\/span><\/p>\n

Branches<\/strong><\/span>: 4;\u00a0 <\/span><\/span>Non-customer ATM charge:<\/strong><\/span> $2.50<\/span><\/p>\n

Refund ATM surcharges:<\/strong><\/span> Yes<\/span><\/p>\n

Checking account fee:<\/strong><\/span> None with Step Up checking<\/span><\/p>\n

Highest savings account APY & terms: <\/strong><\/span>0.10% KISS Money Market Account<\/span><\/p>\n

Credit card APRs for A, B, C credit scores:<\/strong><\/span> As low as 8.90%<\/span><\/p>\n

Best APR for 60-month auto loan:<\/strong><\/span> 3.24% <\/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> 3.485%,
\n15-year fixed<\/span><\/p>\n

Highest APY opportunity:<\/strong><\/span> 2.32%, Jump Share Certificate, 10-year<\/span><\/p>\n

Highest CD APY & terms: <\/strong><\/span>2.32%, Jump Share Certificate, 10-year<\/span><\/p>\n

Best APY for 12-month IRA:<\/strong><\/span> 1.26%<\/span><\/p>\n

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

Game Changer:<\/strong><\/span> \u201cOur mission is to serve more members than any credit union in Maine.\u201d \u2013President\/CEO, Elizabeth Hayes<\/em><\/span><\/p>\n

MAINE SAVINGS FEDERAL CREDIT UNION
\n<\/strong>mainesavings.com<\/a><\/span><\/p>\n

Branches:<\/strong><\/span> 10; <\/span>Non-customer ATM charge: <\/strong><\/span>Yes<\/span><\/p>\n

Refund ATM surcharges:<\/strong><\/span> Yes, if qualified<\/span><\/p>\n

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

Highest savings account APY & terms: <\/strong><\/span>0.5%, RedWallet Saver, $10,000 min. <\/span><\/p>\n

Credit card APRs for A, B, C credit scores: <\/strong><\/span>9.99%-18.00%<\/span><\/p>\n

Best APR for 60-month auto loan:<\/strong><\/span> 3.09% for a new car<\/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> 3.541%, 10-year fixed<\/span><\/p>\n

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

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

Best APY for 12-month IRA:<\/strong><\/span> 0.60%, $500 min. deposit<\/span><\/p>\n

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

Game Changer:<\/strong><\/span> \u201cOur mobile banking app allows you to apply and get approved for certain loans without having to go into a branch.\u201d\u2013Marcel Blais, Chief Retail Officer<\/em><\/span><\/p>\n

MAINE STATE CREDIT UNION
\n<\/strong>mainestatecu.org<\/a><\/span><\/p>\n

Branches:<\/strong><\/span> 3; <\/span>Non-customer ATM charge:<\/strong><\/span> Yes<\/span><\/p>\n

Refund ATM surcharges:<\/strong><\/span> Yes between $10-$25 depending on your account<\/span><\/p>\n

Checking account fee:<\/strong><\/span> None for the Basic Checking Account<\/span><\/p>\n

Highest savings account APY & terms:<\/strong><\/span> 0.45%, $100,000 min. balance<\/span><\/p>\n

Credit card APRs:<\/strong><\/span> 9.99%.-11.90%<\/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: 4.066%<\/span><\/p>\n

Lowest res. mortgage APR & terms:<\/strong><\/span> 2.919%, 10-year fixed <\/span><\/p>\n

Highest APY opportunity: <\/strong><\/span>2.00%, 5-year CD, $500 min. deposit<\/span><\/p>\n

Highest CD APY & terms:<\/strong><\/span> 2.00%, 5-year, $500 min. deposit<\/p>\n

Best APY for 12-month IRA:<\/strong><\/span> 0.50%, $500 min. deposit<\/span><\/p>\n

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

MAINE SOLUTIONS FEDERAL CREDIT UNION: <\/strong>mesolutionsfcu.org <\/span><\/p>\n

Branches:<\/strong><\/span> 19; <\/span>Non-customer ATM charge:<\/strong><\/span> $4<\/span><\/p>\n

Refund ATM surcharges:<\/strong><\/span> With some accounts<\/span><\/p>\n

Checking account fee:<\/strong><\/span> No if requirements are met<\/span><\/p>\n

Highest savings account APY & terms: <\/strong><\/span>0.15%, $25,000 min. balance<\/span><\/p>\n

Credit card APRs for A, B, C credit scores:<\/strong><\/span> 12.99% to 23.99% (Visa Rewards Card)<\/span><\/p>\n

Best APR for 60-month auto loan:<\/strong><\/span> 2.750%<\/span><\/p>\n

Lowest 30-year fixed rate res. mortgage APR:<\/strong><\/span> 3.694%<\/span><\/p>\n

Lowest res. mortgage APR & terms:<\/strong><\/span> 2.92%, 10-year fixed<\/span><\/p>\n

Highest APY opportunity:<\/strong><\/span> 2.02%, 5-year CD, $500 min. deposit<\/span><\/p>\n

Highest CD APY & terms:<\/strong><\/span> 2.02%, 5-year CD, $500 min. deposit<\/span><\/p>\n

Best APY for 12-month IRA:<\/strong><\/span> 0.45%<\/span><\/p>\n

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

Game Changer: <\/strong><\/span>\u201cWe absorb the initial deposit for youth accounts, meaning new members under 21 can open their first credit union accounts for free and begin developing good banking habits right away.\u201d \u2013Diana Garcia, President\/CEO<\/em><\/span><\/p>\n

NORTHEAST CREDIT UNION
\n<\/strong>necu.org<\/a><\/span><\/p>\n

Branches:<\/strong><\/span> 5; <\/span>Non-customer ATM charge:<\/strong><\/span> $2<\/span><\/p>\n

Refund ATM surcharges:<\/strong><\/span> Yes, if requirements are met<\/span><\/p>\n

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

Highest savings account APY & terms: <\/strong>1.51%, various accounts<\/span><\/p>\n

Credit card APRs for A, B, C credit scores:<\/strong><\/span> 9.99%-15.99%<\/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> 4.017%<\/span><\/p>\n

Lowest res. mortgage APR & terms: <\/strong><\/span>3.424%, 15-year fixed<\/span><\/p>\n

Highest APY opportunity:<\/strong><\/span> 1.61%, CD\/IRA<\/span><\/p>\n

Highest CD APY & terms:<\/strong><\/span> 1.61%, 5-year, $500 min. deposit<\/p>\n

Best APY for 12-month IRA:<\/strong><\/span> 0.40%,
\n$500 min. deposit<\/span><\/p>\n

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

Game Changer:<\/strong><\/span> \u201cWe love our community and we show it with charitable efforts , hands-on community involvement, and financial contributions.\u201d <\/span>\u2013Tim Collia, Northeast Credit Union President and CEO<\/em><\/span><\/p>\n

Peoples Choice Credit union
\n<\/strong>peopleschoicecreditunion.com<\/a><\/span><\/p>\n

Branches:<\/strong><\/span> 4; <\/span>Non-customer ATM charge:<\/strong><\/span> None for Credit Union customers<\/span><\/p>\n

Refund ATM surcharges:<\/strong><\/span> No<\/span><\/p>\n

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

Highest savings account APY & terms: <\/strong><\/span>.40%, $250,000 min. balance<\/span><\/p>\n

Credit card APRs for A, B, C credit scores:<\/strong><\/span>\u00a0 <\/span>9.9%-13.9%
\n<\/span>Best APR for 60-month auto loan:<\/strong><\/span> 2.59%<\/span><\/p>\n

Lowest 30-year fixed rate res. mortgage APR:<\/strong><\/span> 4.059%<\/span><\/p>\n

Lowest res. mortgage APR & terms: <\/strong><\/span>3.601%,
\n15-year fixed
\n<\/span>Highest APY opportunity:<\/strong><\/span> 2.22%, 60-month, $75,000 min. balance<\/span><\/p>\n

Highest CD APY & terms:<\/strong><\/span> 2.22%, 60-month, $75,000 min. balance<\/span><\/p>\n

Best APY for 12-month IRA:<\/strong><\/span> 2.22%, 60-month, $75,000 min. balance<\/span><\/p>\n

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

Game Changer:<\/strong><\/span> We have all the financial services and convenience of big banking, with the benefits of responsible, community-driven decision-making. Profits stay in our community.\u201d \u2013Curt Carlson, Marketing Manager <\/em><\/span><\/p>\n

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

Branches:<\/strong><\/span> 6; <\/span>Non-customer ATM charge:<\/strong><\/span> $2<\/span><\/p>\n

Refund ATM surcharges:<\/strong><\/span> Yes, up to $25\/month with Rewards Checking<\/span><\/p>\n

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

Highest savings account APY & terms: <\/strong><\/span>0.15%, $25 min. balance<\/span><\/p>\n

Credit card APRs for A, B, C credit scores:<\/strong><\/span> 12.99% to 23.99%<\/span><\/p>\n

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

Lowest 30-year fixed rate res. mortgage APR<\/strong><\/span>: 4.28% <\/span><\/p>\n

Lowest res. mortgage APR & terms:<\/strong><\/span> 3.24%, 5-year 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> 1.75%, 5-year CD, $500 min. deposit<\/span><\/p>\n

Best APY for 12-month IRA:<\/strong><\/span> 0.70%, $500 min. deposit<\/span><\/p>\n

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

Game Changer: <\/strong><\/span>\u201cWe\u2019re the first credit union in the nation to launch an Alexa Skill, a voice-activated banking app that works with Amazon\u2019s Alexa device.\u201d \u2013Linda Halleran, Public Relations & Communications Manager<\/em><\/span><\/p>\n

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

Branches:<\/strong><\/span> 9; <\/span>Non-customer ATM charge:<\/strong><\/span> $2<\/span><\/p>\n

Refund ATM surcharges: <\/strong><\/span>Yes, for some accounts<\/span><\/p>\n

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

Highest savings account APY & terms: <\/strong><\/span>1.01% Kasasa Saver, $15,000 min.<\/span><\/p>\n

Credit card APRs for A, B, C credit scores:\u00a0 <\/span><\/strong><\/span>8.99% to 15.99% for the Platinum card, from 10.99% to 17.99% for the Platinum Rewards card and from 10.99% to 17.99% for the Alumni Signature Rewards card<\/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> 4.213%<\/span><\/p>\n

Lowest res. mortgage APR & terms: <\/strong><\/span>3.343%, 10-year fixed<\/span><\/p>\n

Highest APY opportunity: <\/strong><\/span>3.01% Kasasa Cash up to $10,000, no minimum<\/span><\/p>\n

Highest CD APY & terms: <\/strong><\/span>1.20%, 5-year CD, $500 min. deposit<\/span><\/p>\n

Best APY for 12-month IRA:<\/strong><\/span> 0.3%, $500 min. deposit<\/span><\/p>\n

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

Game Changer:<\/strong><\/span> \u201cWe just celebrated 50 years of service!\u201d \u2013Stephanie Beck, Marketing Manager <\/em><\/span><\/p>\n

*All rates are subject to change. Please check with the relevant financial institution for the most current rates and offers.<\/em><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

December 2017
\nSee what Maine\u2019s banks & credit unions are doing to win you over in 2018.<\/p>\n","protected":false},"author":1,"featured_media":14126,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[8],"tags":[135],"class_list":["post-14121","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-featured","tag-december-2017"],"_links":{"self":[{"href":"https:\/\/www.portlandmonthly.com\/portmag\/wp-json\/wp\/v2\/posts\/14121","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.portlandmonthly.com\/portmag\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.portlandmonthly.com\/portmag\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.portlandmonthly.com\/portmag\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.portlandmonthly.com\/portmag\/wp-json\/wp\/v2\/comments?post=14121"}],"version-history":[{"count":5,"href":"https:\/\/www.portlandmonthly.com\/portmag\/wp-json\/wp\/v2\/posts\/14121\/revisions"}],"predecessor-version":[{"id":14242,"href":"https:\/\/www.portlandmonthly.com\/portmag\/wp-json\/wp\/v2\/posts\/14121\/revisions\/14242"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.portlandmonthly.com\/portmag\/wp-json\/wp\/v2\/media\/14126"}],"wp:attachment":[{"href":"https:\/\/www.portlandmonthly.com\/portmag\/wp-json\/wp\/v2\/media?parent=14121"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.portlandmonthly.com\/portmag\/wp-json\/wp\/v2\/categories?post=14121"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.portlandmonthly.com\/portmag\/wp-json\/wp\/v2\/tags?post=14121"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}