Page 1
Page 2
Page 3
Page 4
Page 5
Page 6
Page 7
Page 8
Page 9
Page 10
Page 11
Page 12
Page 13
Page 14
Page 15
Page 16
Page 17
Page 18
Page 19
Page 20
Page 21
Page 22
Page 23
Page 24
Page 25
Page 26
Page 27
Page 28
Page 29
Page 30
Page 31
Page 32
Page 33
Page 34
Page 35
Page 36
Page 37
Page 38
Page 39
Page 40
Page 41
Page 42
Page 43
Page 44
Page 45
Page 46
Page 47
Page 48
Page 49
Page 50
Page 51
Page 52
Page 53
Page 54
Page 55
Page 56
Page 57
Page 58
Page 59
Page 60
Page 61
Page 62
Page 63
Page 64
Page 65
Page 66
Page 67
Page 68
Page 69
Page 70
Page 71
Page 72
Page 73
Page 74
Page 75
Page 76
Page 77
Page 78
Page 79
Page 80
Page 81
Page 82
Page 83
Page 84
Page 85
Page 86
Page 87
Page 88
Page 89
Page 90
Page 91
Page 92
Page 93
Page 94
Page 95
Page 96
Page 97
Page 98
Page 99
Page 100
Dollars sense D E C E m b E r 2 0 1 5 2 7 illustrationbyEdKing Money Makeover Maine banks and credit unions are anxious to win you over. Pull up a chair and get to know them. From staFF Wire reports S ome banks make change the best make changes. As 2016 looms heres an impressive array of Maines finan- cial institutions their services made ready at a glance. TD Bank for example is throw- ing its doorsopenonSundaysinandaround Portland. On other nights theyre open till 7 p.m. Isnt it nice to feel needed Read what the others are doing for you below anDrosCoGGin BanK androscogginbank.com Branches 12 Minimum ATM withdraw 20 Non-custom- er ATM charge 3 Refund ATM surcharges Yes except with Blue Wave Basic account. Checking account fee No when minimum deposit re- quirements are met. Highest savings account APY terms .03 with 25000 balance Credit card APRs for A B C credit scores 9.99 - 22.99 Best APR for 60-month auto loan 7.85 Lowest 30-year fixed rate res. mortgage APR 4.0 Lowest res. mortgage APR terms 15-yr Wealth Builder with 2-tier fixed rates 1.755 or 2.28 average over the life of the loan Highest APY opportunity .85 high 5-year CD Mini- mum deposit 500 Highest CD APY terms .85 high 5-year CD Minimum deposit 500. Best APY for 12-month IRA .25 Electronic check scanning on mobile devices Yes aroostooK CoUntY FeDeral saVinGs yourhomebank.com Branches 2 Minimum ATM withdraw 20 Non-customer ATM charge 2 Refund ATM surcharges Yes Checking account fee None with 250 minimum bal- ance no min. for account holders 55 or older Highest savings account APY terms 0.15 Passbook account 5 deposit to open. Credit card APRs for A B C credit scores NA Best APR for 60-month auto loan 2.95 Lowest 20-year fixed rate res. mortgage APR 5.75 Lowest res. mortgage APR terms 4 3-year ARM Highest APY opportunity 1.89 5-year CD Highest CD APY terms 1.89 5-year CD Best APY for 12-month IRA 1.25