{"id":15569,"date":"2018-11-28T19:33:03","date_gmt":"2018-11-29T00:33:03","guid":{"rendered":"http:\/\/www.portlandmonthly.com\/portmag\/?p=15569"},"modified":"2019-11-22T15:50:40","modified_gmt":"2019-11-22T20:50:40","slug":"bank-on-it","status":"publish","type":"post","link":"https:\/\/www.portlandmonthly.com\/portmag\/bank-on-it\/","title":{"rendered":"Bank On It"},"content":{"rendered":"<p><iframe allowfullscreen allow=\"fullscreen\" style=\"border:none;width:100%;height:450px;\" src=\"\/\/e.issuu.com\/embed.html?backgroundColor=%23d2d2d2&#038;backgroundColorFullscreen=%23d2d2d2&#038;d=dec18_flipbook_2&#038;hideIssuuLogo=true&#038;pageNumber=40&#038;u=portlandmagazine\"><\/iframe><br \/>\n&nbsp;<\/p>\n<p>December 2018<\/p>\n<h3 class=\"p1\"><span class=\"s1\">Keep your options in line and the savings pile up.<\/span><\/h3>\n<p class=\"p2\"><span class=\"s2\"><strong>From Staff &amp; Wire Reports<\/strong><\/span><\/p>\n<p class=\"p3\"><span class=\"s3\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-15572\" src=\"http:\/\/www.portlandmonthly.com\/portmag\/wp-content\/uploads\/2018\/11\/Dec18-Bank-On-It.jpg\" alt=\"Dec18-Bank-On-It\" width=\"400\" height=\"263\" srcset=\"https:\/\/www.portlandmonthly.com\/portmag\/wp-content\/uploads\/2018\/11\/Dec18-Bank-On-It.jpg 400w, https:\/\/www.portlandmonthly.com\/portmag\/wp-content\/uploads\/2018\/11\/Dec18-Bank-On-It-300x197.jpg 300w, https:\/\/www.portlandmonthly.com\/portmag\/wp-content\/uploads\/2018\/11\/Dec18-Bank-On-It-200x132.jpg 200w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/>R<\/span><span class=\"s3\">ates change as rapidly as Maine\u2019s weather, so how do you navigate the labyrinth of checks and balances? Banks across the state are ready to guide you and make a few offers along the way.<\/span><\/p>\n<p class=\"p5\"><span class=\"s3\"><strong>ANDROSCOGGIN BANK<br \/>\n<\/strong>androscogginbank.com\u00a0<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Branches: <\/strong>12; <strong>Non-customer ATM charge:<\/strong> $3; <strong>Refund ATM surcharges:<\/strong> Up to $6-9 with certain accounts<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Checking account fee:<\/strong> $5\/month for BlueWave Basic Personal Checking Account<\/span><\/p>\n<p class=\"p6\"><span class=\"s4\"><strong>Highest savings account APY &amp; terms:<\/strong> 1.10%, $100,000 min.<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Credit card APRs for A, B, C credit scores:<\/strong> 15.99%-24.99%<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Best APR for 60-month auto loan: <\/strong>3.75% for customers<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Lowest 30-year fixed rate res. mortgage APR:<\/strong> 4.899%<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Lowest res. mortgage APR &amp; terms:<\/strong> 4.416%, 15-year fixed<\/span><\/p>\n<p class=\"p6\"><span class=\"s5\"><strong>Highest APY opportunity: <\/strong>2.25%, 25 month CD, $500 min. deposit<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest CD APY &amp; terms:<\/strong> 2.62%, 18 month variable rate IRA CD, $500 min. deposit<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Best APY for 12-month IRA:<\/strong> .25%, $500 min. deposit<\/span><\/p>\n<p class=\"p5\"><span class=\"s3\"><strong>AUBURN SAVINGS BANK<br \/>\n<\/strong>auburnsavings.com<\/span><\/p>\n<p class=\"p6\"><span class=\"s6\"><strong>Branches:<\/strong> 2; <strong>Non-customer ATM charge:<\/strong> $3; <strong>Refund ATM surcharges:<\/strong> Some accounts receive refunds of up $10\/month<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Checking account fee:<\/strong> Min. $25 deposit for Classic Checking, no monthly fee<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest savings account APY &amp; terms:<\/strong> Tiered system depends on account balance: $25-$2,499, .05% annual yield of .05; $2,500-$149,999, .10% annual yield; $150,000 and over\u2013.15% annual yield.<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Credit card APRs for A, B, C credit scores:<\/strong> N\/A<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Best APR for 60-month auto loan:<\/strong> 4.256%<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Lowest 30-year fixed rate res. mortgage APR:<\/strong> 5.250%<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Lowest res. mortgage APR &amp; terms: <\/strong>4.750%, 15-year fixed<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest APY opportunity:<\/strong> 2.50%, 2-year fixed CD &amp; IRA, $500 min. deposit<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest CD APY &amp; terms:<\/strong> 2.50%, 2-year fixed CD &amp; IRA, $500 min. deposit<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Best APY for 12-month IRA:<\/strong> .25% (or current special of 1.95% for qualifying customers)<\/span><\/p>\n<p class=\"p5\"><span class=\"s3\"><strong>BANGOR SAVINGS<br \/>\n<\/strong>bangor.com<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Number of bank branches in state:<\/strong> 56; <strong>Non-customer ATM charge:<\/strong> $3.50; <strong>Refund ATM surcharges for customers?:<\/strong> Yes; <\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Checking account fee?:<\/strong> None for Benefit Checking or Benefit 62 Checking<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest savings account APY &amp; terms:<\/strong> Benefit Money Market .60% $100,000 min. deposit<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Best APR for 60-month auto loan: <\/strong>5.67% for a new car with 700+ credit score*<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Lowest 30-year fixed rate res. mortgage APR:<\/strong> 5.244% for conventional 30-year fixed rate*<\/span><\/p>\n<p class=\"p6\"><span class=\"s4\"><strong>Lowest res. mortgage APR &amp; terms:<\/strong> 4.79%, for 10-year fixed*<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest APY opportunity:<\/strong> 1.92%, 5-year CD, requires Benefit Plus Checking Account, $500 min. deposit. Non Benefit Plus: 1.66% APY<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest CD APY &amp; terms:<\/strong> 1.92%, 5-year CD, requires Benefit Plus Checking Account, $500 min. deposit. Non Benefit Plus: 1.66% APY<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Best APY for 12-month IRA:<\/strong> 1.16% requires Benefit Plus Checking Account, $500 min.; *Based on credit score<\/span><\/p>\n<p class=\"p5\"><span class=\"s3\"><strong>BANK OF AMERICA<br \/>\n<\/strong>bankofamerica.com <\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Branches:<\/strong> 16; <strong>Non-customer ATM charge: <\/strong>$3; <strong>Refund ATM surcharges:<\/strong> With some accounts<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Checking account fee:<\/strong> $12 for a basic account, none when certain requirements are met<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest savings account APY &amp; terms:<\/strong> .03% with Rewards Money Market Savings Account. 06% with Preferred Rewards Platinum Honors tier APY<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Credit card APRs for A, B, C credit scores:<\/strong> 16.99%-24.99%<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Best APR for 60-month auto loan:<\/strong> 3.44% with new car<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Lowest 30-year fixed rate res. mortgage APR:<\/strong> 4.396% (based on $200,000 loan in Portland)<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Lowest res. mortgage APR &amp; terms:<\/strong> 4.397%, 15-year fixed (based on $200,000 loan in Portland)<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest APY opportunity: <\/strong>1.00, 10-year fixed CD<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest CD APY &amp; terms:<\/strong> 1.00%, 10-year fixed<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Best APY for 12-month IRA:<\/strong> .05%, $1,000 min. deposit<\/span><\/p>\n<p class=\"p5\"><span class=\"s3\"><strong>BAR HARBOR BANK &amp; TRUST<br \/>\n<\/strong>bhbt.com<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Branches:<\/strong> 14; <strong>Non-customer ATM charge:<\/strong> $1.50; <strong>Refund ATM surcharges: <\/strong>Yes<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Checking account fee: <\/strong>$8 for Preferred Checking<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest savings account APY &amp; terms:<\/strong> .20%, $50,000<br \/>\nmin. deposit<\/span><\/p>\n<p class=\"p6\"><span class=\"s5\"><strong>Credit card APRs for A, B, C credit scores:<\/strong> 15.99% to 24.99%, Visa Signature Real Rewards and Cash Rewards American Express<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Best APR for 60-month auto loan:<\/strong> 5.54% baseline with a new vehicle<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Lowest 30-year fixed rate res. mortgage APR:<\/strong> 5.080%<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Lowest res. mortgage APR &amp; terms: <\/strong>3.836%, 10-year fixed<\/span><\/p>\n<p class=\"p6\"><span class=\"s6\"><strong>Highest APY opportunity:<\/strong> 2.00%, 19-month CD, Preferred Choice or E-Choice checking accounts, $5,000 min. deposit<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest CD APY &amp; terms:<\/strong> 2.00%, 19-month CD, with BHBT checking account and $5,000 min. deposit<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Best APY for 12-month IRA:<\/strong> .40%, $500 min.<\/span><\/p>\n<p class=\"p5\"><span class=\"s3\"><strong>BATH SAVINGS INSTITUTION<br \/>\n<\/strong>bathsavings.com<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Branches: <\/strong>13;<strong> Non-customer ATM charge:<\/strong> $2.50; <strong>Refund ATM surcharges: <\/strong>No<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Checking account fee: <\/strong>None for eChecking NOW accounts, $0-$7 for Regular Checking<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest savings account APY &amp; terms:<\/strong> .12%, Super Savings Account<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Credit card APRs for A, B, C credit scores:<\/strong> N\/A<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Best APR for 60-month auto loan: <\/strong>3.542%<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Lowest 30-year fixed rate res. mortgage APR:<\/strong> 5.310%<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Lowest res. mortgage APR &amp; terms:<\/strong> 4.850%, 15-year fixed<\/span><\/p>\n<p class=\"p6\"><span class=\"s6\"><strong>Highest APY opportunity: <\/strong>1.16% for a 5.75-year CD. $500 min.<\/span><\/p>\n<p class=\"p6\"><span class=\"s6\"><strong>Highest CD APY &amp; terms:<\/strong> 1.16% for a 5.75-year CD. $500 min.<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Best APY for 12-month IRA:<\/strong> .30%, $500 min. deposit<\/span><\/p>\n<p class=\"p6\"><span class=\"s5\"><strong>New customer benefits: <\/strong>\u201cOur Neighbor to Neighbor (N2N) program offers customers a $10 gift certificate they can spend at any one of our hundreds of participating N2N businesses. Second, we donate $25 to the non-profit organization of the customer\u2019s choosing, on their behalf.\u201d<br \/>\n\u2014<em>Glenn Cummings, President\/CEO; <\/em><\/span><\/p>\n<p class=\"p5\"><span class=\"s3\"><strong>BIDDEFORD SAVINGS<br \/>\n<\/strong>biddefordsavings.com<\/span><\/p>\n<p class=\"p6\"><span class=\"s7\"><strong>Branches:<\/strong> 6; <strong>Non-customer ATM charge:<\/strong> $2.50; <strong>Refund ATM surcharges:<\/strong> Yes, with eChecking and Checking Plus accounts<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Checking account fee: <\/strong>No<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest savings account APY &amp; terms:<\/strong> Savings Plus Account, Tiered rate of .30%. Must have an average monthly balance of $100,000 or more<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Credit card APRs for A, B, C credit scores: <\/strong>0% introductory APR for the first 12 billing cycles, after, 15.99% to 19.99% based on your credit score, or 26.99% as a cash advance APRs vary based on the Prime Rate<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Best APR for 60-month auto loan:<\/strong> 4.25%<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Lowest 30-year fixed rate res. mortgage APR:<\/strong> 5.109%<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Lowest res. mortgage APR &amp; terms:<\/strong> 4.677% 10 year fixed<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest APY opportunity:<\/strong> 2.32%, 5-year CD\/IRA<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest CD APY &amp; terms: <\/strong>2.32% 5 Year Term CD\/IRA $1,500 minimum opening deposit<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Best APY for 12-month IRA: <\/strong>1.32%<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>New customer benefits: <\/strong>\u201cOur Prime Rate accounts give you an edge in the way you bank. When the Wall Street Prime Rate goes up, so does your rate. Accounts include our Checking Plus, Prime IRA, and our Business Prime Money Market.\u201d \u2014<em>Jeanne Hulit, President\/CEO<\/em><\/span><\/p>\n<p class=\"p5\"><span class=\"s3\"><strong>CAMDEN NATIONAL BANK<br \/>\n<\/strong>camdennational.com<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Branches:<\/strong> 62; <strong>Non-customer ATM charge:<\/strong> $3.50; <strong>Refund ATM surcharges:<\/strong> Up to $10 back in monthly ATM fees<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Checking account fee: <\/strong>None for Simple Promise Checking<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest savings account APY &amp; terms: <\/strong>.07%, $100,000 min. balance<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Credit card APRs for A, B, C credit scores: <\/strong>13.99%-22.99%, Visa Platinum<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Best APR for 60-month auto loan:<\/strong> N\/A &#8211; only up to 4 years (4.806% up to 4 years)<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Lowest 30-year fixed rate res. mortgage APR:<\/strong> 4.25%<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Lowest res. mortgage APR &amp; terms: <\/strong>5.005%, 15-year fixed<\/span><\/p>\n<p class=\"p6\"><span class=\"s6\"><strong>Highest APY opportunity: <\/strong>1.56%, 10-year, $500 min. deposit<\/span><\/p>\n<p class=\"p6\"><span class=\"s6\"><strong>Highest CD APY &amp; terms: <\/strong>1.56%, 10-year, $500 min. deposit<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Best APY for 12-month IRA: <\/strong>.30%<\/span><\/p>\n<p class=\"p6\"><span class=\"s7\"><strong>New customer benefits: <\/strong>\u201cWith new and exciting platforms such as Online Chat, Pay Up, MortgageTouch, BusinessTouch and TreasuryLink, we\u2019re striving to provide a first-class banking journey for customers, whether you\u2019re depositing a check through your mobile app, paying a friend after a dinner out, applying for a mortgage from the comfort of your couch, or visiting us in person at one of our 60 banking centers.\u201d \u2014<em>Renee Smyth, Chief Experience &amp; Marketing Officer<\/em><\/span><\/p>\n<p class=\"p5\"><span class=\"s3\"><strong>DAMARISCOTTA BANK &amp; TRUST CO.<br \/>\n<\/strong>damariscottabank.com<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Branches: <\/strong>6; <strong>Non-customer ATM charge:<\/strong> $3.00; <strong>Refund ATM surcharges:<\/strong> No<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Checking account fee: <\/strong>None with Free Checking Plus<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest savings account APY &amp; terms: <\/strong>.25% , $100,000 min. Money Market Account<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Credit card APRs for A, B, C credit scores:<\/strong> N\/A<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Best APR for 60-month auto loan 4.5%: <\/strong>N\/A<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Lowest 30-year fixed rate res. mortgage APR:<\/strong> 5.50%<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Lowest res. mortgage APR &amp; terms:<\/strong> 4.75% 10 year fixed (based on mortgage calculator)<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest APY opportunity: <\/strong>2.75%<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest CD APY &amp; terms:<\/strong> 2.75%, 59-Month CD Special, $2,500 min. deposit<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Best APY for 12-month IRA:<\/strong> .15%, $500.00 min. deposit<\/span><\/p>\n<p class=\"p5\"><span class=\"s3\"><strong>EVERGREEN CREDIT UNION <\/strong>egcu.org<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Branches:<\/strong> 4<strong> Non-customer ATM charge: <\/strong>$2; <strong>Refund ATM surcharges: <\/strong>Up to $12\/month with Breeze Rewards Checking Account<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Checking account fee:<\/strong> None<\/span><\/p>\n<p class=\"p6\"><span class=\"s6\"><strong>Highest savings account APY &amp; terms: <\/strong>.05%, $25 min. deposit<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Credit card APRs for A, B, C credit scores: <\/strong>7.99%-18.99%<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Best APR for 60-month auto loan: <\/strong>As low as 2.25% with requirements met<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Lowest 30-year fixed rate res. mortgage APR:<\/strong> 5.136% on a $200,000 home with 5% down<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Lowest res. mortgage APR &amp; terms: <\/strong>4.746%, 10-year fixed on a $200,000 home with 5% down<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest APY opportunity: <\/strong>2.15%, 60-Month IRA<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest CD APY &amp; terms:<\/strong> 2.15%, 60-Month IRA<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Best APY for 12-month IRA:<\/strong> .50%<\/span><\/p>\n<p class=\"p5\"><span class=\"s3\"><strong>FIRST NATIONAL BANK<br \/>\n<\/strong>thefirst.com<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Branches: <\/strong>16; <strong>Non-customer ATM charge:<\/strong> $3; <strong>Refund ATM surcharges: <\/strong>No<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Checking account fee:<\/strong> $5\/monthly, Spark Checking Account, waived after eight debit card transactions during statement period<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest savings account APY &amp; terms:<\/strong> First Choice Money Market, .25%, $5,000 min. deposit<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Credit card APRs for A, B, C credit scores:<\/strong> 0% for first 20 billing cycles, 13.99%-22.99%, Visa Platinum<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Best APR for 60-month auto loan:<\/strong> 3.983% for a new car<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Lowest 30-year fixed rate res. mortgage APR: <\/strong>5.1910%<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Lowest res. mortgage APR &amp; terms:<\/strong> 4.6310%, 15-year fixed<\/span><\/p>\n<p class=\"p6\"><span class=\"s9\"><strong>Highest APY opportunity: <\/strong>1.50%, 5-year CD, $500 min. deposit<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest CD APY &amp; terms:<\/strong> 1.50%, 5-year, $500 min. deposit<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Best APY for 12-month IRA:<\/strong> .25%, min. $500<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>New customer benefits:<\/strong> \u201cThrough Dream First Rewards, we reward our customers for shopping locally. We promote our Dream First Merchants through social media. In return, customers who use their debit cards to shop at these establishments get cash back in their checking account.\u201d \u2014<em>Susan Norton, Executive Vice President <\/em><\/span><\/p>\n<p class=\"p5\"><span class=\"s3\"><strong>FRANKLIN SAVINGS BANK<br \/>\n<\/strong>franklinsavings.bank<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Branches: <\/strong>7; <strong>Non-customer ATM charge:<\/strong> $2.50; <strong>Refund ATM surcharges:<\/strong> No surcharge for customers<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Checking account fee:<\/strong> $5.00 for Paper Statement, no fee for eStatements <\/span><\/p>\n<p class=\"p6\"><span class=\"s5\"><strong>Highest savings account APY &amp; terms:<\/strong> 1.30% ,<br \/>\n59-month, $2,500 <\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Credit card APRs for A, B, C credit scores:<\/strong> N\/A <\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Best APR for 60-month auto loan:<\/strong> 3.63% on a new vehicle<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Lowest 30-year fixed rate res. mortgage APR:<\/strong> 5.035%<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Lowest res. mortgage APR &amp; terms:<\/strong> 4.560%, 15-year Freddie Mac Secondary Market Mortgage<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest APY opportunity: <\/strong>1.30% on a 59-month<br \/>\nCD-IRA Special<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest CD APY &amp; terms: <\/strong>1.30% on a 59-month CD-IRA Special; <strong>Best APY for 12-month IRA:<\/strong> .15%, $500 min. deposit<\/span><\/p>\n<p class=\"p5\"><span class=\"s3\"><strong>GORHAM SAVINGS BANK<br \/>\n<\/strong>gorhamsavingsbank.com<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Branches: <\/strong>14; <strong>Non-customer ATM charge:<\/strong> $3.50; <strong>Refund ATM surcharges: <\/strong>Yes, for some accounts<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Checking account fee: <\/strong>None (Champion Money Market requires $5000 min. balance)<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest savings account APY &amp; terms:<\/strong> .25%, $75,000 min. <strong>Credit card APRs for A, B, C credit scores:<\/strong> Variable<\/span><\/p>\n<p class=\"p6\"><strong>Best APR for 60-month auto loan:<\/strong> 4.50% for a new car, min. $5,000<\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Lowest 30-year fixed rate res. mortgage APR:<\/strong> 5.050%<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Lowest res. mortgage APR &amp; terms: <\/strong>4.943%, 20-year fixed<\/span><\/p>\n<p class=\"p6\"><span class=\"s5\"><strong>Highest APY opportunity:<\/strong> 2.00%, 5-year CD, $500<br \/>\nmin. deposit<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest CD APY &amp; terms:<\/strong> 2.00%, 5-year CD, $500<br \/>\nmin. deposit<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Best APY for 12-month IRA:<\/strong> .40%, min. $500<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>New customer benefits:<\/strong> \u201cCustomers have access to a financial coach who will help them set financial goals and track progress. Early next year, we will be adding a budgeting program and financial wellness content to our web site.\u201d<br \/>\n\u2014<em>Dan Hancock, Chief Deposit Advisor<\/em><\/span><\/p>\n<p class=\"p5\"><span class=\"s3\"><strong>KENNEBUNK SAVINGS<br \/>\n<\/strong>kennebunksavings.com <\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Branches: <\/strong>13; <strong>Non-customer ATM charge:<\/strong> $3.50; <strong>Refund ATM surcharges:<\/strong> Yes<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Checking account fee: <\/strong>No<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest savings account APY &amp; terms: <\/strong>.10%, $5,000 min. balance; <strong>Credit card APRs for A, B, C credit scores:<\/strong> 13.99%-24.99% <strong>Best APR for 60-month auto loan:<\/strong> 4.29% New Auto with 80% LTV<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Lowest 30-year fixed rate res. mortgage APR:<\/strong> 4.832% (30-Year Fixed Jumbo)<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Lowest res. mortgage APR &amp; terms:<\/strong> 4.441%, 15-year fixed<\/span><\/p>\n<p class=\"p6\"><span class=\"s6\"><strong>Highest APY opportunity:<\/strong> 1.31%, 5-yr. CD, $500 min. deposit <\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest CD APY &amp; terms: <\/strong>1.31%, 5-year $500 min. deposit<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Best APY for 12-month IRA:<\/strong>.40%, $500 min.<\/span><\/p>\n<p class=\"p5\"><span class=\"s3\"><strong>KEY BANK<br \/>\n<\/strong>keybank.com<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Branches: <\/strong>50; <strong>Non-customer ATM charge:<\/strong> $4; <strong>Refund ATM surcharges: <\/strong>With some accounts<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Checking account fee:<\/strong> None with Hassle-Free Account<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest savings account APY &amp; terms:<\/strong> .20% on a Health Savings above $25,000+<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Credit card APRs for A, B, C credit scores:<\/strong> 11.99%-23.99% based on card type and creditworthiness<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Best APR for 60-month auto loan: <\/strong>8.99%<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest APY opportunity: <\/strong>.75%, 10-year Jumbo and Tiered CD, $100,000 min. deposit<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest CD APY &amp; terms:<\/strong> .75%, 10-year Jumbo and Tiered, $100,000 min. deposit<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Best APY for 12-month IRA:<\/strong> .25% Tiered CD with Relationship Reward, $1000 min. deposit<\/span><\/p>\n<p class=\"p5\"><span class=\"s5\"><strong>MACHIAS SAVINGS BANK<br \/>\n<\/strong>machiassavings.com<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Branches:<\/strong> 19; <strong>Non-customer ATM charge:<\/strong> $3.50<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Refund ATM surcharges:<\/strong> On some accounts<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Checking account fee: <\/strong>None with Ultimate Green account<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest savings account APY &amp; terms:<\/strong> .25%, $25,000<br \/>\nmin. balance<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Credit card APRs for A, B, C credit scores:<\/strong> 9.99%-27.99%<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Best APR for 60-month auto loan:<\/strong> 7.035% on a new auto<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Lowest 30-year fixed rate res. mortgage APR:<\/strong> 5.08%<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Lowest res. mortgage APR &amp; terms: <\/strong>4.565%, 10-year fixed<\/span><\/p>\n<p class=\"p6\"><span class=\"s5\"><strong>Highest APY opportunity:<\/strong> 1.65%, 5-year CD, $1,000 min. deposit<\/span><\/p>\n<p class=\"p6\"><span class=\"s5\"><strong>Highest CD APY &amp; terms: <\/strong>1.65%, 5-year CD, $1,000<br \/>\nmin. deposit<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Best APY for 12-month IRA:<\/strong> .45%, $250 min. deposit<\/span><\/p>\n<p class=\"p5\"><span class=\"s3\"><strong>MECHANICS SAVINGS BANK<br \/>\n<\/strong>mechanicssavings.com<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Branches:<\/strong> 4; <strong>Non-customer ATM charge:<\/strong> $3; <strong>Refund ATM surcharges: <\/strong>Yes, specific dollar amount reimbursed per statement cycle depending on account<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Checking account fee: <\/strong>Fees waived with certain criteria met<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest savings account APY &amp; terms:<\/strong> Planned Expense Account, .50% APY on balances up to $5,000.00<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Credit card APRs for A, B, C credit scores:<\/strong> 0% introductory rate; 13.74% &#8211; 24.74% after intro period, based on credit score.<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Best APR for 60-month auto loan: <\/strong>4.25%<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Lowest 30-year fixed rate res. mortgage APR: <\/strong>5.109%<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Lowest res. mortgage APR &amp; terms: <\/strong>4.677%, 10-year fixed Jumbo Construction<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest APY opportunity:<\/strong> 18 Month CD Special, 2.27% APY. $500 minimum deposit.<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest CD APY &amp; terms: <\/strong>18 Month CD Special, 2.27% APY. $500 minimum deposit.<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Best APY for 12-month IRA:<\/strong> 1.25%, $500 min. deposit<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>New customer benefits: <\/strong>\u201cWe offer a Planned Expense Account to help you reach your goals quickly and easily. The high-yield savings account pays .50% APY on balances up to $5,000.\u201d \u2014<em>Jeanne Hulit, President\/CEO<\/em><\/span><\/p>\n<p class=\"p5\"><span class=\"s3\"><strong>NORTHEAST BANK<br \/>\n<\/strong>northeastbank.com<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Branches: <\/strong>10; <strong>Non-customer ATM charge:<\/strong> $3.50; <strong>Refund ATM surcharges: <\/strong>On some accounts<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Checking account fee: <\/strong>None with Northeast Express<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest savings account APY &amp; terms:<\/strong> 1.10% APY Pearl Money Market<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Credit card APRs for A, B, C credit scores:<\/strong> N\/A<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Best APR for 60-month auto loan:<\/strong> 6.209%<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Lowest 30-year fixed rate res. mortgage APR:<\/strong> 5.319%<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Lowest res. mortgage APR &amp; terms:<\/strong> 4.654%, 15-year fixed<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest APY opportunity:<\/strong> 1.10% APY Pearl Money Market<\/span><\/p>\n<p class=\"p6\"><strong>Highest CD APY &amp; terms:<\/strong> 1.40%, 5-year CD, $500<br \/>\nmin. deposit<\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Best APY for 12-month IRA:<\/strong> .20%, $500 min. deposit<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>New customer benefits: <\/strong>\u201cWith our high-yield Pearl Money Market account, competitive CD rates, and full suite of residential mortgage products, Northeast Bank offers personal banking services designed to fit your needs.\u201d \u2014<em>Chris Delamater, Marketing Director<\/em><\/span><\/p>\n<p class=\"p5\"><span class=\"s3\"><strong>NORWAY SAVINGS BANK<br \/>\n<\/strong>norwaysavingsbank.com<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Branches: <\/strong>24; <strong>Non-customer ATM charge: <\/strong>$4; <strong>Refund ATM surcharges: <\/strong>Yes, up to $20 for Flexible Solutions Checking &amp; Full Solutions Checking customers. Customers have access to 220+ surcharge free Maine Cash Access ATMs.<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Checking account fee: <\/strong>Yes with Free Solutions checking account as well as in Business Free checking. No minimum balance, no monthly fee.<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest savings account APY &amp; terms:<\/strong> 10% APY on Solutions Savings balances $100,000+ (must have a Full Solutions or Flexible Solutions Checking account)<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Credit card APRs for A, B, C credit scores:<\/strong> N\/A<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Best APR for 60-month auto loan:<\/strong> As low as 3.99% with a max. 72 month term on a new car<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Lowest 30-year fixed rate res. mortgage APR: <\/strong>5.201% APR 1 points; (rates adjust daily)<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Lowest res. mortgage APR &amp; terms:<\/strong> 15 year 4.586% APR 1 points; (rates adjust daily)<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest APY opportunity:<\/strong> .50%, on balances between $2,500 and $24,999.99 on Full Solutions Checking account. Min. deposit $25 (customer needs E-statements and a 3rd party payment to qualify)<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest CD APY &amp; terms:<\/strong> 1.11%, 5-year Premium CD, $500 min. deposit<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Best APY for 12-month IRA:<\/strong> .20%, $500 min.<\/span><\/p>\n<p class=\"p5\"><span class=\"s3\"><strong>PEOPLE\u2019S UNITED BANK<br \/>\n<\/strong>peoples.com<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Branches: <\/strong>27;<strong> Non-customer ATM charge: <\/strong>$3.50; <strong>Refund ATM surcharges:<\/strong> Only at People\u2019s ATMs<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Checking account fee:<\/strong> $12 with Plus Checking, $10<br \/>\nwith eStatements<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest savings account APY &amp; terms:<\/strong> .35%, Premier Advantage Money Market and Advantage Money Market accounts, $100,000 min. deposit<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Credit card APRs for A, B, C credit scores:<\/strong> 13.24%-24.99% <\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Best APR for 60-month auto loan:<\/strong> 7.49% for a new car<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Lowest 30-year fixed rate res. mortgage APR:<\/strong> 4.527%<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Lowest res. mortgage APR &amp; terms:<\/strong> 4.295%, 15-year fixed<\/span><\/p>\n<p class=\"p6\"><strong>Highest APY opportunity: <\/strong>2.50%, 15-month CD (vary by location)<\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest CD APY &amp; terms: <\/strong>2.50%, 15-month CD<br \/>\n(vary by location) <\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Best APY for 12-month IRA:<\/strong> .35% <\/span><\/p>\n<p class=\"p5\"><span class=\"s3\"><strong>ROCKLAND SAVINGS BANK<br \/>\n<\/strong>rocklandsavingsbank.com<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Branches: <\/strong>2;<strong> Non-customer ATM charge:<\/strong> $2; <strong>Refund ATM surcharges: <\/strong>No<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Checking account fee:<\/strong> None on most accounts<\/span><\/p>\n<p class=\"p6\"><strong>Highest savings account APY &amp; terms:<\/strong> .15%,<br \/>\n$10 min. deposit<\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Credit card APRs for A, B, C credit scores:<\/strong> 11.99%-21.99%<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Best APR for 60-month auto loan:<\/strong> 5.00%<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Lowest 30-year fixed rate res. mortgage APR:<\/strong> 5.233%<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Lowest res. mortgage APR &amp; terms:<\/strong> 4.808%, 15-year<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest APY opportunity:<\/strong> 1.75%, 5 year fixed CD, $500 min. deposit<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest CD APY &amp; terms: <\/strong>1.75%, 5-year fixed,<br \/>\n$500 min. deposit<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Best APY for 12-month IRA:<\/strong> .50%, $500 min. deposit<\/span><\/p>\n<p class=\"p5\"><span class=\"s3\"><strong>SACO &amp; BIDDEFORD SAVINGS<br \/>\n<\/strong>sbsavings.com<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Branches: <\/strong>7; <strong>Non-customer ATM charge:<\/strong> $2.50; <strong>Refund ATM surcharges: <\/strong>No<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Checking account fee:<\/strong> Several no fee options; <strong>Highest savings account APY &amp; terms:<\/strong> 1.45%, Mainely Preferred Account, $750,000 min. balance<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Credit card APRs for A, B, C credit scores: <\/strong>N\/A<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Best APR for 60-month auto loan: <\/strong>3.625% for new<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Lowest 30-year fixed rate res. mortgage APR:<\/strong> 5.072%<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Lowest res. mortgage APR &amp; terms:<\/strong> 4.619%, 15-year fixed<\/span><\/p>\n<p class=\"p6\"><strong>Highest APY opportunity: <\/strong>2.60% 5-year CD, $500<br \/>\nmin. deposit<\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest CD APY &amp; terms: <\/strong>2.60% 5-year CD, $500<br \/>\nmin. deposit<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Best APY for 12-month IRA:<\/strong> 1.56%, $500 min. deposit<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>New customer benefits:<\/strong> \u201cOur new Community Debit card program supports our local school food and nutrition programs. In its first year, we\u2019ve raised enough funds to pay for almost 4,000 school meals in our participating communities.\u201d \u2014<em>Jeff Vachon, SVP, Director of Bank Administration<\/em><\/span><\/p>\n<p class=\"p5\"><span class=\"s3\"><strong>SANFORD INSTITUTION FOR SAVINGS<br \/>\n<\/strong>banksis.com<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Branches:<\/strong> 8; <strong>Non-customer ATM charge:<\/strong> $3; <strong>Refund ATM surcharges:<\/strong> Yes, with Ultimate Checking<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Checking account fee: <\/strong>No<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest savings account APY &amp; terms:<\/strong> .50%, Silver Lining Best Interest Statement Savings, $0 minimum ($25 to open)<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Credit card APRs for A, B, C credit scores: <\/strong>10.74%-24.74% based on card type and credit score<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Best APR for 60-month auto loan:<\/strong> 3.0%<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Lowest 30-year fixed rate res. mortgage APR:<\/strong> 5.081%<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Lowest res. mortgage APR &amp; terms:<\/strong> 4.638%, 15-year fixed<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest APY opportunity: <\/strong>2.50%, 25 month CD or IRA, $500 min. deposit<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest CD APY &amp; terms: <\/strong>2.50%, 25 month CD or IRA, $500 min. deposit<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Best APY for 12-month IRA:<\/strong> .32%, $500 min. deposit<\/span><\/p>\n<p class=\"p5\"><span class=\"s3\"><strong>SKOWHEGAN SAVINGS BANK<br \/>\n<\/strong>skowhegansavings.com<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Branches:<\/strong> 11; <strong>Non-customer ATM charge: <\/strong>$2.50; <strong>Refund ATM surcharges: <\/strong>With some accounts<\/span><\/p>\n<p class=\"p6\"><span class=\"s1\"><strong>Checking account fee: <\/strong>Free with $50.00 average daily balance<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest savings account APY &amp; terms:<\/strong> .05%, Integrity Savings, $25 min. deposit; .30%, Money Market over $100,000, $2500 min. deposit<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Credit card APRs for A, B, C credit scores:<\/strong> 13.99%-24.99% depending on card type<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Best APR for 60-month auto loan:<\/strong> 4.75% on a new auto<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Lowest 30-year fixed rate res. mortgage APR:<\/strong> 5.281% (bi-weekly), monthly: 5.389%<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Lowest res. mortgage APR &amp; terms: <\/strong>4.741% on a 10-year fixed bi-weekly, 10-year monthly: 4.834%<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest APY opportunity: <\/strong>2.00%, 48-month CD for Integrity Plus customers, $500 min. balance<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest CD APY &amp; terms: <\/strong>2.00%, 48-month CD for Integrity Plus customers, $500 min. balance (Non-Integrity Plus: 1.75% on a 3 year CD, $10,000 min. balance)<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Best APY for 12-month IRA:<\/strong> N\/A<\/span><\/p>\n<p class=\"p5\"><span class=\"s3\"><strong>TD BANK<br \/>\n<\/strong>tdbank.com<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Branches:<\/strong> 46; <strong>Non-customer ATM charge:<\/strong> $3; <strong>Refund ATM surcharges: <\/strong>With certain accounts<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Checking account fee:<\/strong> Free with $100 min. Balance<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest savings account APY &amp; terms:<\/strong> .35%, Preferred Savings, $50,000-$9.99M<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Credit card APRs for A, B, C credit scores:<\/strong> 14.99%-24.99%<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Best APR for 60-month auto loan:<\/strong> N\/A<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Lowest 30-year fixed rate res. mortgage APR:<\/strong> 5.206% on a $200,000 home with 5% down<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Lowest res. mortgage APR &amp; terms: <\/strong>4.851%, 15-year fixed on a $200,000 home with 5% down<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest APY opportunity: <\/strong>1.19%, 5-year Step Rate CD, $250 min. deposit<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest CD APY &amp; terms: <\/strong>1.19%, 5-year Step Rate, $250 min. deposit<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Best APY for 12-month IRA: <\/strong>.30%, $250 min. deposit or .50% with $100,000 min. daily balance<\/span><\/p>\n<p class=\"p7\"><span class=\"s6\"><strong>CREDIT UNIONS <\/strong><\/span><\/p>\n<p class=\"p5\"><span class=\"s3\"><strong>ACADIA FEDERAL CREDIT UNION<br \/>\n<\/strong>acadiafcu.org<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Branches:<\/strong> 7; <strong>Non-customer ATM charge: <\/strong>$1.50 (some cards include additional fees); <strong>Refund ATM surcharges: <\/strong>No<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Checking account fee: <\/strong>No<\/span><\/p>\n<p class=\"p6\"><span class=\"s5\"><strong>Highest savings account APY &amp; terms:<\/strong> .40%, $1,000 min. balance<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Credit card APRs for A, B, C credit scores: <\/strong>As low as 10.90%<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Best APR for 60-month auto loan: <\/strong>3.49%<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Lowest 30-year fixed rate res. mortgage APR:<\/strong> 5.35%, with 20% down payment<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Lowest res. mortgage APR &amp; terms:<\/strong> 5.05%, 10-year fixed, 20% down payment<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest APY opportunity: <\/strong>2.27%, 5-year fixed CD<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest CD APY &amp; terms:<\/strong> 2.27%, 5-year fixed<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Best APY for 12-month IRA:<\/strong> .40%<\/span><\/p>\n<p class=\"p6\"><span class=\"s7\"><strong>New customer benefits:<\/strong> \u201cMembers can text our Maine phone numbers, and a staff member will be available to answer their questions. We\u2019ll also soon be offering live video chat.\u201d \u2014<em>David Desjardins,<br \/>\nPresident and CEO<\/em><\/span><\/p>\n<p class=\"p5\"><span class=\"s3\"><strong>ATLANTIC FEDERAL CREDIT UNION<br \/>\n<\/strong>atlanticfcu.com<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Branches: <\/strong>4; <strong>Non-customer ATM charge:<\/strong> $2.50; <strong>Refund ATM surcharges: <\/strong>Up to $20\/month with Kasasa account<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Checking account fee:<\/strong> No; <strong>Highest savings account APY &amp; terms:<\/strong> 2.00%, WAVE Money Market Account, $500,000 min. deposit<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Credit card APRs for A, B, C credit scores:<\/strong> N\/A<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Best APR for 60-month auto loan:<\/strong> 3.25%<\/span><\/p>\n<p class=\"p6\"><span class=\"s5\"><strong>Lowest 30-year fixed rate res. mortgage APR:<\/strong> 5.260%, w\/o points<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Lowest res. mortgage APR &amp; terms:<\/strong> 4.825%, 10-year fixed, w\/o points<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest APY opportunity: <\/strong>2.50% with Kasasa Checking <\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest CD APY &amp; terms: <\/strong>2.15%, 5-year, $500 min. deposit<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Best APY for 12-month IRA: <\/strong>1.10%, $500 min. deposit <\/span><\/p>\n<p class=\"p5\"><span class=\"s3\"><strong>BANGOR FEDERAL CREDIT UNION<br \/>\n<\/strong>bangorfederal.com<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Branches: <\/strong>3; <strong>Non-customer ATM charge:<\/strong> $3 or free within Surf Network; <strong>Refund ATM surcharges:<\/strong> Up to $25 per month with a Kasasa account<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Checking account fee: <\/strong>No<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest savings account APY &amp; terms: <\/strong>.75%, up to 20,000, Kasasa Saver w\/ requirements met<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Credit card APRs for A, B, C credit scores:<\/strong> 7.9%-10.9%<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Best APR for 60-month auto loan:<\/strong> 2.75% for a new car (up to 7 years)<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Lowest 30-year fixed rate res. mortgage APR:<\/strong> 5.125%,<br \/>\nw\/o points<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Lowest res. mortgage APR &amp; terms: <\/strong>4.50%, 10-year w\/o points <strong>Highest APY opportunity: <\/strong>3.00%, 10,000+, Kasasa Cash<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest CD APY &amp; terms: <\/strong>2.63%, 5-year Jumbo CD, $100,000 min. deposit<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Best APY for 12-month IRA: <\/strong>1.87%, 100,000, min.<br \/>\nbalance (2-year)<\/span><\/p>\n<p class=\"p6\"><strong>New customer benefits: <\/strong>\u201cNo charge on checking accounts.\u201d\u2014<em>Elizabeth Ouellette, Member Rep.<\/em><\/p>\n<p class=\"p5\"><span class=\"s3\"><strong>cPORT CREDIT UNION<br \/>\n<\/strong>cportcu.org<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Branches: <\/strong>4; <strong>Non-customer ATM charge:<\/strong> $3 or free within Surf Network; <strong>Refund ATM surcharges: <\/strong>Some<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Checking account fee: <\/strong>No<\/span><\/p>\n<p class=\"p6\"><span class=\"s9\"><strong>Highest savings account APY &amp; terms:<\/strong> .20%, $100 min. balance<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Credit card APRs for A, B, C credit scores:<\/strong> 11.99%-17.99%<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Best APR for 60-month auto loan:<\/strong> 3.25%<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Lowest 30-year fixed rate res. mortgage APR:<\/strong> 5.263%, 30-year fixed CU Promise 90<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Lowest res. mortgage APR &amp; terms: <\/strong>4.80%, 10-year fixed; <strong>Highest APY opportunity: <\/strong>2.38%, 5-year CD<br \/>\n<strong>Highest CD APY &amp; terms: <\/strong>2.38%, 5-year<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Best APY for 12-month IRA:<\/strong> 1.21%<\/span><\/p>\n<p class=\"p5\"><span class=\"s3\"><strong>CUMBERLAND COUNTY CREDIT UNION<br \/>\n<\/strong>myccfcu.com<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Branches: <\/strong>5; <strong>Non-customer ATM charge:<\/strong> No charge if part of the Surf Network; <strong>Refund ATM surcharges: <\/strong>No<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Checking account fee: <\/strong>No<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest savings account APY &amp; terms:<\/strong> .50%, $75,000<br \/>\nmin. balance<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Credit card APRs for A, B, C credit scores: <\/strong>8.25%-13.25%<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Best APR for 60-month auto loan: <\/strong>2.80% for a car newer than 4 years<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Lowest 30-year fixed rate res. mortgage APR: <\/strong>5.263%, 30-year fixed CU Promise<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Lowest res. mortgage APR &amp; terms:<\/strong> 4.80% 10-year fixed<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest APY opportunity: <\/strong>2.99%, 5-year CD, $75,000 min.<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest CD APY &amp; terms: <\/strong>2.99%, 5-year, $75,000 min.<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Best APY for 12-month IRA: <\/strong>1.81%, $75,000 min.<\/span><\/p>\n<p class=\"p5\"><span class=\"s3\"><strong>INFINITY FEDERAL CREDIT UNION<br \/>\n<\/strong>infinityfcu.com<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Branches:<\/strong> 4; <strong>Non-customer ATM charge:<\/strong> $1.00; <strong>Refund ATM surcharges:<\/strong> Yes with some accounts<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Checking account fee: <\/strong>None with Step Up checking<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest savings account APY &amp; terms: <\/strong>.06%, $1,000 min.<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Credit card APRs for A, B, C credit scores: <\/strong>8.90%-16.9% based on card type<\/span><\/p>\n<p class=\"p6\"><span class=\"s5\"><strong>Best APR for 60-month auto loan: <\/strong>3.00% with Relationship Discount<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Lowest 30-year fixed rate res. mortgage APR:<\/strong> 5.206%<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Lowest res. mortgage APR &amp; terms:<\/strong> 4.568%, 10-year fixed<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest APY opportunity: <\/strong>3.30% for 5, 7, and 10-year Jumbo Share Certificates, $95,000 min.<\/span><\/p>\n<p class=\"p6\"><span class=\"s3\"><strong>Highest CD APY &amp; terms: <\/strong>3.30% for 5, 7, and 10-year Jumbo Share Certificates, $95,000 min.; Best APY for 12-month IRA: 2.53% Share Certificate, $500 min.<\/span><\/p>\n<p class=\"p5\"><span class=\"s5\"><strong>MAINE SAVINGS FEDERAL CREDIT UNION<br \/>\n<\/strong>mainesavings.com<\/span><\/p>\n<p class=\"p6\"><span class=\"s5\"><strong>Branches:<\/strong> 10; <strong>Non-customer ATM charge:<\/strong> $3.00; <strong>Refund ATM surcharges:<\/strong> Yes with certain accounts<\/span><\/p>\n<p class=\"p6\"><span class=\"s5\"><strong>Checking account fee: <\/strong>No<\/span><\/p>\n<p class=\"p6\"><span class=\"s5\"><strong>Highest savings account APY &amp; terms: <\/strong>.50% with Red Wallet Saver account up to $10,000, plus up to 2.00% of $10,000 with addition of Red Wallet Checking account<\/span><\/p>\n<p class=\"p6\"><span class=\"s5\"><strong>Credit card APRs for A, B, C credit scores:<\/strong> 9.99%-18.00%<\/span><\/p>\n<p class=\"p6\"><span class=\"s5\"><strong>Best APR for 60-month auto loan:<\/strong> 3.84% for a new car<\/span><\/p>\n<p class=\"p6\"><span class=\"s5\"><strong>Lowest 30-year fixed rate res. mortgage APR:<\/strong> 5.263%, 30-year fixed CU Promise<\/span><\/p>\n<p class=\"p6\"><span class=\"s5\"><strong>Lowest res. mortgage APR &amp; terms: <\/strong>4.835%,<br \/>\n15-year fixed<\/span><\/p>\n<p class=\"p6\"><span class=\"s5\"><strong>Highest APY opportunity:<\/strong> 3.15%, 5-year CD, $500<br \/>\nmin. deposit<\/span><\/p>\n<p class=\"p6\"><span class=\"s5\"><strong>Highest CD APY &amp; terms: <\/strong>3.15%, 5-year, $500<br \/>\nmin. deposit<\/span><\/p>\n<p class=\"p6\"><span class=\"s5\"><strong>Best APY for 12-month IRA: <\/strong>1.41%, $500 min. deposit<\/span><\/p>\n<p class=\"p6\"><span class=\"s5\"><strong>New customer benefits:<\/strong> \u201cWe offer a discount of 50% off your rate if you have loans with another institution as a new member. Credit card debt\u2014we will take that and cut that in half, so if you qualify for the loan, we\u2019d cut the interest rate in half.\u201d \u2014<em>John Reed, President\/Chief Executive Officer<\/em><\/span><\/p>\n<p class=\"p5\"><span class=\"s5\"><strong>MAINE STATE CREDIT UNION<br \/>\n<\/strong>mainestatecu.org<\/span><\/p>\n<p class=\"p6\"><span class=\"s7\"><strong>Branches:<\/strong> 3; <strong>Non-customer ATM charge:<\/strong> $3.00; <strong>Refund ATM surcharges: <\/strong>Up to $25 per month with some accounts<\/span><\/p>\n<p class=\"p6\"><span class=\"s5\"><strong>Checking account fee: <\/strong>None with Advantage Checking<\/span><\/p>\n<p class=\"p6\"><span class=\"s5\"><strong>Highest savings account APY &amp; terms:<\/strong> 1.10%, Advantage Savings, $100,000 min. balance<\/span><\/p>\n<p class=\"p6\"><span class=\"s5\"><strong>Credit card APRs: <\/strong>9.90%.-11.90%<\/span><\/p>\n<p class=\"p6\"><span class=\"s7\"><strong>Best APR for 60-month auto loan: <\/strong>3.49%,<br \/>\n66-month term<\/span><\/p>\n<p class=\"p6\"><span class=\"s5\"><strong>Lowest 30-year fixed rate res. mortgage APR:<\/strong> 4.862%, 1.00 points<\/span><\/p>\n<p class=\"p6\"><span class=\"s5\"><strong>Lowest res. mortgage APR &amp; terms:<\/strong> 4.274%, 10-year fixed, 1.00 points<\/span><\/p>\n<p class=\"p6\"><span class=\"s5\"><strong>Highest APY opportunity: <\/strong>3.00%, 30-month Share Certificate Special, $2,500 min. deposit<\/span><\/p>\n<p class=\"p6\"><span class=\"s5\"><strong>Highest CD APY &amp; terms:<\/strong> 3.00%, 30-month Share Certificate Special, $2,500 min. deposit<\/span><\/p>\n<p class=\"p6\"><span class=\"s5\"><strong>Best APY for 12-month IRA:<\/strong> 1.35%, $500 min. deposit<\/span><\/p>\n<p class=\"p6\"><span class=\"s5\"><strong>New customer benefits: <\/strong>\u201cOur new smart phone capability includes e-alerts, new deposit\/loan accounts, Visa card controls, and person-to-person payments.\u201d<br \/>\n\u2014<em>Tucker Cole, President\/CEO<\/em><\/span><\/p>\n<p class=\"p5\"><span class=\"s5\"><strong>NORTHEAST CREDIT UNION<br \/>\n<\/strong>necu.org <\/span><\/p>\n<p class=\"p6\"><span class=\"s5\"><strong>Branches: <\/strong>5; <strong>Non-customer ATM charge: <\/strong>$3; <strong>Refund ATM surcharges: <\/strong>Yes, if requirements are met<\/span><\/p>\n<p class=\"p6\"><span class=\"s5\"><strong>Checking account fee: <\/strong>None for some<\/span><\/p>\n<p class=\"p6\"><span class=\"s5\"><strong>Highest savings account APY &amp; terms: <\/strong>1.51%, various accounts <strong>Credit card APRs for A, B, C credit scores:<\/strong> 10.24%-16.25%<\/span><\/p>\n<p class=\"p6\"><span class=\"s5\"><strong>Best APR for 60-month auto loan: <\/strong>3.69%<\/span><\/p>\n<p class=\"p6\"><span class=\"s5\"><strong>Lowest 30-year fixed rate res. mortgage APR:<\/strong> 5.229%<\/span><\/p>\n<p class=\"p6\"><span class=\"s5\"><strong>Lowest res. mortgage APR &amp; terms:<\/strong> 3.00%, 3\/1 ARM<\/span><\/p>\n<p class=\"p6\"><span class=\"s5\"><strong>Highest APY opportunity:<\/strong> 4.00%, Elite Checking<\/span><\/p>\n<p class=\"p6\"><span class=\"s5\"><strong>Highest CD APY &amp; terms:<\/strong> 3.82%, 4-year<\/span><\/p>\n<p class=\"p6\"><span class=\"s5\"><strong>Best APY for 12-month IRA: <\/strong>1.00%, $500 min. deposit<\/span><\/p>\n<p class=\"p6\"><span class=\"s5\"><strong>New customer benefits:<\/strong> \u201cOur new members love that we can instantly issue their debit cards for them.\u201d<br \/>\n\u2014<em>Michael Rumo, Regional Sales Manager<\/em><\/span><\/p>\n<p class=\"p5\"><span class=\"s5\"><strong>TOWN &amp; COUNTRY<br \/>\nFEDERAL CREDIT UNION<br \/>\n<\/strong>tcfcu.com<\/span><\/p>\n<p class=\"p6\"><span class=\"s7\"><strong>Branches:<\/strong> 6; <strong>Non-customer ATM charge:<\/strong> $2.00; <strong>Refund ATM surcharges: <\/strong>Yes, up to $25\/month with Rewards Checking<\/span><\/p>\n<p class=\"p6\"><span class=\"s5\"><strong>Checking account fee: <\/strong>No; <strong>Highest savings account APY &amp; terms:<\/strong> .15%, $25 min. balance<\/span><\/p>\n<p class=\"p6\"><span class=\"s7\"><strong>Credit card APRs for A, B, C credit scores: <\/strong>Platinum Visa CC: 8.90% to 15.90% APR; Rewards Visa CC: 10.90% to 17.90%, APR as low as 3.90% APR for the first year for new credit card holders.<\/span><\/p>\n<p class=\"p6\"><span class=\"s5\"><strong>Best APR for 60-month auto loan: <\/strong>3.49% for a new car<\/span><\/p>\n<p class=\"p6\"><span class=\"s5\"><strong>Lowest 30-year fixed rate res. mortgage APR:<\/strong> 5.282%<\/span><\/p>\n<p class=\"p6\"><span class=\"s5\"><strong>Lowest res. mortgage APR &amp; terms:<\/strong> 4.702%,<br \/>\n10-year fixed<\/span><\/p>\n<p class=\"p6\"><span class=\"s5\"><strong>Highest APY opportunity: <\/strong>3.01%, up to $10,000, with Rewards Checking<\/span><\/p>\n<p class=\"p6\"><span class=\"s5\"><strong>Highest CD APY &amp; terms: <\/strong>2.10%, 5-year CD, $500 min. opening deposit<\/span><\/p>\n<p class=\"p6\"><span class=\"s5\"><strong>Best APY for 12-month IRA: <\/strong>1.10%, $500 min. deposit<\/span><\/p>\n<p class=\"p5\"><span class=\"s5\"><strong>UNIVERSITY CREDIT UNION<br \/>\n<\/strong>ucu.maine.edu <\/span><\/p>\n<p class=\"p6\"><span class=\"s5\"><strong>Branches: <\/strong>9; <strong>Non-customer ATM charge:<\/strong> $3.50; <strong>Refund ATM surcharges:<\/strong> Yes, up to 4 transactions<\/span><\/p>\n<p class=\"p6\"><span class=\"s5\"><strong>Checking account fee: <\/strong>None<\/span><\/p>\n<p class=\"p6\"><span class=\"s5\"><strong>Highest savings account APY &amp; terms:<\/strong> 1.01% Kasasa Saver, $15,000 min.<\/span><\/p>\n<p class=\"p6\"><span class=\"s5\"><strong>Credit card APRs for A, B, C credit scores:<\/strong> 9.99%-16.99% for the Platinum Card, 11.99%-18.99% for the Platinum Rewards Card<\/span><\/p>\n<p class=\"p6\"><span class=\"s5\"><strong>Best APR for 60-month auto loan: <\/strong>3.29%<\/span><\/p>\n<p class=\"p6\"><span class=\"s5\"><strong>Lowest 30-year fixed rate res. mortgage APR:<\/strong> 5.237% Purchase Primary Residence<\/span><\/p>\n<p class=\"p6\"><span class=\"s5\"><strong>Lowest res. mortgage APR &amp; terms: <\/strong>4.274%,<br \/>\n15-year fixed<\/span><\/p>\n<p class=\"p6\"><span class=\"s5\"><strong>Highest APY opportunity:<\/strong> 3.01% Kasasa Cash up to $10,000, no min.<\/span><\/p>\n<p class=\"p6\"><span class=\"s5\"><strong>Highest CD APY &amp; terms:<\/strong> 1.2%, 5-year CD,<br \/>\n$500 min. deposit<\/span><\/p>\n<p class=\"p6\"><span class=\"s5\"><strong>Best APY for 12-month IRA: <\/strong>.30%, $500<br \/>\nmin. deposit <\/span><\/p>\n<p class=\"p8\"><span class=\"s7\">*All rates are subject to change. Please check with the financial institution for the most current offers. Each bank included in this year\u2019s article feature electronic check deposit through mobile devices.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>December 2018<br \/>\nKeep your options in line and the savings pile up.<\/p>\n","protected":false},"author":1,"featured_media":15573,"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":[231],"class_list":["post-15569","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-featured","tag-december-2018"],"_links":{"self":[{"href":"https:\/\/www.portlandmonthly.com\/portmag\/wp-json\/wp\/v2\/posts\/15569","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=15569"}],"version-history":[{"count":5,"href":"https:\/\/www.portlandmonthly.com\/portmag\/wp-json\/wp\/v2\/posts\/15569\/revisions"}],"predecessor-version":[{"id":17163,"href":"https:\/\/www.portlandmonthly.com\/portmag\/wp-json\/wp\/v2\/posts\/15569\/revisions\/17163"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.portlandmonthly.com\/portmag\/wp-json\/wp\/v2\/media\/15573"}],"wp:attachment":[{"href":"https:\/\/www.portlandmonthly.com\/portmag\/wp-json\/wp\/v2\/media?parent=15569"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.portlandmonthly.com\/portmag\/wp-json\/wp\/v2\/categories?post=15569"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.portlandmonthly.com\/portmag\/wp-json\/wp\/v2\/tags?post=15569"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}