December 2013 | view this story as a .pdf

Maine banks and credit unions are anxious to win you as a depositor in 2014. Pull up a chair and get to know them, up close and personal.

From Staff & Wire Reports

Choosing a new bank is a little like speed dating. It helps when you start the ritual by knowing in advance what’s important to you. Free checking? Absolutely. No ATM fees ever? Yeah, we’ve got that–or at least some of the banks and credit unions listed here do. Extended hours? What do you mean, exactly? How about a bank that’s open till 8 p.m.? Child’s play. Okay, how about a bank that’s open on Sunday? Yes, and you deserve it! We hope you enjoy this story, because we’re your advance team, asking these questions for you. After all, it’s in your best interest.

ANDROSCOGGIN BANK
androscogginbank.com

Branches: 13; Minimum ATM withdraw: $20; Non-customer ATM charge: $2; Refund ATM surcharges: up to $6 per month

Checking account fee: None with direct deposit and 10 POS transactions per month, otherwise $10

Highest savings account APY & terms: 0.07% with balance of $100,000+

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

Best APR for 60-month auto loan: 5.17%

Lowest 30-year fixed rate res. mortgage APR: 4.273%

Lowest res. mortgage APR & terms: 3.29% 15 years fixed

Highest APY opportunity: 1.05%, 4-year “Step-Up” CD, minimum deposit $500

Highest CD APY & terms: 1.05%, 4-year “Step-Up” CD, minimum deposit $500

Best APY for 12-month IRA: 0.01%

Breakout advantage: A strong reputation in the community thanks to the staff.

AROOSTOOK COUNTY FEDERAL SAVINGS
yourhomebank.com

Branches: 2; Minimum ATM withdraw: $20; Non-customer ATM charge: No; Refund ATM surcharges: Yes

Checking account fee: $0 with $250 minimum daily balance, otherwise $5

Highest savings account APY & terms: .15%

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

Best APR for 60-month auto loan: 5% on 2012 or 2013 vehicles

Lowest 30-year fixed rate res. mortgage APR: N/A, 5.25% on a 20-year plan, with 20% down

Lowest res. mortgage APR & terms: 3%, 6-months adjustable on a 30 year plan, with 20% down

Highest APY opportunity: 1.89%, 5-year CD

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

Best APY for 12-month IRA: 0.46%

Breakout advantage: Helping people buy, build, and renovate their homes since 1936

AUBURN SAVINGS BANK
auburnsavings.com

Branches: 2; Minimum ATM withdraw: $10; Non-customer ATM charge: $3; Refund ATM surcharges: No

Checking account fee: No

Highest savings account APY & terms: .50%, Maestro Money Market, tiered, over $200,000

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

Best APR for 60-month auto loan: 7.25%

Lowest 30-year fixed rate res. mortgage APR: 4.832%

Lowest residential mortgage APR & terms: 4.074%, 15-year fixed rate, $500 flat fee

Highest APY opportunity: 1.45%, 5-year special CD

Highest CD APY & terms: 1.45%, 5-year special CD

Best APY for 12-month IRA: .25%

Breakout advantage: They’re small enough to know their customers by name.

BANGOR SAVINGS
bangor.com

Branches: 57; Minimum ATM withdraw: $20; Non-customer ATM charge: $3; Refund ATM surcharges: Yes

Checking account fee: No

Highest savings account APY & terms: .08%

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

Best APR for 60-month auto loan: 4.54%

Lowest 30-year fixed rate res. mortgage APR: 4.210%

Lowest residential mortgage APR & terms: 3.530%, 15-year

Highest APY opportunity: 1.05% CD as a Benefits Plus customer

Highest CD APY & terms: 5-year .94%

Best APY for 12-month IRA: 0.10%

Breakout advantage: Understanding that banking isn’t just about money. It’s about trust.

BANK OF AMERICA
bankofamerica.com

Branches: 33; Minimum ATM withdraw: $20; Non-customer ATM charge: $3; Refund ATM surcharges: No

Checking account fee: No monthly fee with $1,500 minimum balance, otherwise $12

Highest savings account APY & terms: 0.04% – 0.10% APY with $2500 minimum daily balance

Credit card APRs for A, B, C credit scores:12.99%-22.99%

Best APR for 60-month auto loan: 2.29%

Lowest 30-year fixed rate res. mortgage APR: 4.277%

Lowest residential mortgage APR & terms: 3.062%

Highest APY opportunity: 0.30% CD, minimum of 60 mo. and $10,000

Highest CD APY & terms: 0.30% CD, minimum of 60 mo. and $10,000

Best APY for 12-month IRA: 0.12% with Platinum status

Breakout advantage:  “We’re here to make the financial lives of those who do business with us better.”–Brian T. Moynihan, CEO

BANK OF MAINE
thebankofmaine.com

Branches: 33; Minimum ATM withdraw: $20; Non-customer ATM charge: $2; Refund ATM surcharges: Yes Checking account fee: No

Highest savings account APY & terms: .20% $2,500 min.

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

Best APR for 60-month auto loan: 7%

Lowest 30-year fixed rate res. mortgage APR: 4.125%

Lowest residential mortgage APR & terms: 3%, 3 years

Highest APY opportunity: 1.56%, 5-year CD, $20,000 minimum

Highest CD APY & terms: 1.56%, 5-year CD, $20,000 minimum

Best APY for 12-month IRA: 0.35%, $250,000 minimum

Breakout advantage: Banking and financial services with a strong commitment to communities and the people.

BAR HARBOR BANK & TRUST
bhbt.com

Branches: 17; Minimum ATM withdraw: $10; Non-customer ATM charge: $3.50; Refund ATM surcharges: Yes with some accounts, up to $25

Checking account fee: $0 for Simple Choice Checking

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

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

Best APR for 60-month auto loan: 4.99%

Lowest 30-year fixed rate res. mortgage APR: 4.419%

Lowest residential mortgage APR & terms: 3.63%, 15-year

Highest APY opportunity: 1.3%, 60+ month IRA

Highest CD APY & terms: 1.2%, $500 minimum, 60-month

Best APY for 12-month IRA: .23%

Breakout advantage: “You’re going to know your customers at a small-town bank much, much more than a big out-of-state-owned bank.” Customer service rep, Ellsworth.

BATH SAVINGS INSTITUTION
bathsavings.com

Branches: 9; Minimum ATM withdraw: $5; Non-customer ATM charge: $2 Refund ATM surcharges: No

Checking account fee: $2, basic checking

Highest savings account APY & terms: .12%, $500 minimum, $1 balance req.

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

Best APR for 60-month auto loan: 3.041%

Lowest 30-year fixed rate res. mortgage APR: 4.295%

Lowest residential mortgage APR & terms: 3.026%, 5-year

Highest APY opportunity: .95%, 5.75-year CD, $500 minimum

Highest CD APY & terms: .95%, 5.75-year CD, $500 minimum

Best APY for 12-month IRA: .20%

Breakout advantage: “Providing exceptional service for a truly a different experience.”

BIDDEFORD SAVINGS
biddefordsavings.com

Branches: 6; Minimum ATM withdraw: $20; Non-customer ATM charge: $2.50; Refund ATM surcharges: Yes for ATMs within our network

Checking account fee: No

Highest savings account APY & terms: 0.25% $100,000 minimum

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

Best APR for 60-month auto loan: 5.49%

Lowest 30-year fixed rate res. mortgage APR: 4.398%

Lowest residential mortgage APR & terms: 3.414%, 15-year

Highest APY opportunity: 1.56%, $1,500 minimum deposit, 5-year CD

Highest CD APY & terms: 1.56%, $1,500 minimum deposit, 5-year CD

Best APY for 12-month IRA: .4%

Breakout advantage: Their slogan is “Treating customers like owners for over 140 years.”

CAMDEN NATIONAL BANK
camdennational.com

Branches: 44; Minimum ATM withdraw: $20; Non-customer ATM charge: $3; Refund ATM surcharges: Yes with Anchor and Student checking accounts

Checking account fee: $0 with eChecking

Highest savings account APY & terms: 0.10% APY, $5 minimum, must maintain at least $5 balance

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

Best APR for 60-month auto loan: 2.99%

Lowest 30-year fixed rate res. mortgage APR: 4.75%

Lowest residential mortgage APR & terms: 15-year, 3.625%

Highest APY opportunity: 10-years, 1.57%

Highest CD APY & terms: 10 years, 1.57%

Best APY for 12-month IRA: .15%

Breakout advantage:  “What’s special is our customer service. The people who work here, we do everything we can to help our customers.”–Kim Milton, Camden Square branch

GORHAM SAVINGS BANK
gorhamsavingsbank.com

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

Checking account fee : No

Highest savings account APY & terms: .15%, must open online, must receive eStatements

Credit card APRs for A, B, C credit scores: 9.9%-17.99%

Best APR for 60-month auto loan: 3.25%

Lowest 30-year fixed rate res. mortgage APR: 4.289%

Lowest residential mortgage APR & terms: 3.098%, 10-year

Highest APY opportunity: .75% Champion Checking $100,000 minimum with 1 electronic deposit per month

Highest CD APY & terms: 1.25%, 60-month CD

Best APY for 12-month IRA: .3% (premium)

Breakout advantage: “We really are a nice community bank, and you really can have no-fee checking accounts at all levels.”–Luke Morrill, Depositor Customer Service Rep

KENNEBUNK SAVINGS
kennebunksavings.com

Branches: 16; Minimum ATM withdraw: $20; Non-customer ATM charge: $3; Refund ATM surcharges: Yes

Checking account fee: $0 with Breakaway Free checking

Highest savings account APY & terms: .10%, Breakaway Savings with $5,000 minimum

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

Best APR for 60-month auto loan: 4.79%

Lowest 30-year fixed rate res. mortgage APR: 4.278%

Lowest residential mortgage APR & terms: 10-year  3.363%

Highest APY opportunity: 1.31%, 5-year CD or IRA

Highest CD APY & terms: 1.31%, 5-year CD

Best APY for 12-month IRA: .4%

Breakout advantage:  “We are local. We know our customers and are very involved in the community.” –Colleen Feeney, Kennebunk Customer Service

KEY BANK
keybank.com

Branches: 56; Minimum ATM withdraw: $20; Non-customer ATM charge: $4.50; Refund ATM surcharges: No

Checking account fee: No for most accounts

Highest savings account APY & terms: .02% for $2,500 minimum

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

Best APR for 60-month auto loan: 4.88%

Lowest 30-year fixed rate res. mortgage APR: 4.450%

Lowest residential mortgage APR & terms: 15-year, 3.619%

Highest APY opportunity: 0.75% over $100,000, minimum 10 years

Highest CD APY & terms: 0.75% over $100,000, minimum  10 years

Best APY for 12-month IRA: .2%

Breakout advantage: “We have so many branches. And we focus on benefits and the ways we can save and earn you money based on the total relationship.”–Regina Booth, Customer Service Manager, Portland

NORWAY SAVINGS BANK
norwaysavingsbank.com

Branches: 22; Minimum ATM withdraw: $20; Non-customer ATM charge, $3; Refund ATM surcharges; Yes, up to $20 with Flexible Solutions checking, minimum $10,000

Checking account fee: No

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

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

Best APR for 60-month auto loan: 3.139% for new car

Lowest 30-year fixed rate res. mortgage APR: 4.519%

Lowest residential mortgage APR & terms: 3.496% 15-year

Highest APY opportunity: 1.11%, 5-year premium CD

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

Best APY for 12-month IRA: .25% (premium)

Breakout advantage: “One of the ways we define the success of our bank is by our ability to give back to the community. Every year, Norway Savings Bank and its employees dedicate time and resources to nonprofits and organizations. We believe that when everyone is able to live a happy, healthy, and colorful life, we all prosper.” Karen Hakala, Norway

PEOPLE’S UNITED BANK
peoples.com

Branches: 28; Minimum ATM withdraw: $20; Non-customer ATM charge: $2.50; Refund ATM surcharges: Yes, with total balance of $7,500

Checking account fee: $0 with $750 minimum

Highest savings account APY & terms: .02% no min

Credit card APRs for A, B, C credit scores: 13.99%-18.99%

Best APR for 60-month auto loan: 8.49%

Lowest 30-year fixed rate res. mortgage APR: 4.119%

Lowest residential mortgage APR & terms: 3.312%, 15-year

Highest APY opportunity: same as CD

Highest CD APY & terms: 5 years, 1.045%, $500 min.

Best APY for 12-month IRA: .30%

Breakout advantage: “We get to know our customers very well so our conversations are tailored to what each person needs.”–Carrie McCormick, Portland branch

SACO & BIDDEFORD SAVINGS
sbsavings.com

Branches: 6; Minimum ATM withdraw: $5; Non-customer ATM charge: $2-3 Refund ATM surcharges: N/A

Checking account fee: $0 for online checking

Highest savings account APY & terms: .4% with $50,000 minimum or the Mainely Preferred account

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

Best APR for 60-month auto loan: 3.5%

Lowest 30-year fixed rate res. mortgage APR: 4.386%

Lowest residential mortgage APR & terms: 3.518%, 15-year fixed

Highest APY opportunity: 1.56%, 5-year CD

Highest CD APY & terms: 1.56%, 5-year CD

Best APY for 12-month IRA: .40

Breakout advantage: “We’re the oldest mutual savings bank in Maine. We always answer our phones–you’ll never get an automated response. There’s always someone here to help you.” –Katrina Desjardins, Operations Center

SANFORD INSTITUTION FOR SAVINGS
banksis.com

Branches: 9; Minimum ATM withdraw: $20; Non-customer ATM charge: $3.50; Refund ATM surcharges: Yes

Checking account fee: None

Highest savings account APY & terms: .10% for balances $2,500 and over

Credit card APRs for A, B, C credit scores: $10.99%-$21.99%

Best APR for 60-month auto loan: 4.25%

Lowest 30-year fixed rate res. mortgage APR: 4.245%

Lowest residential mortgage APR & terms: 3.339%, 10 year fixed.

Highest APY opportunity: 2.27%, 10-year CD (Silver Link III)

Highest CD APY & terms: 2.27%, 10-year CD (Silver Link III)

Best APY for 12-month IRA: .07% $5,000 and over

Breakout advantage: “When you call, you’ll always  get a person, never an automated service.” –Trudy Teele, Limerick branch. Their slogan is “the bank that listens.”

TD BANK
tdbank.com

Branches: 55; Minimum ATM withdraw, $20; Non-customer ATM charge: $3; Refund ATM surcharges: Yes with some accounts and $2,500 balance

Checking account fee: $0 with a daily balance of $100 (Convenience Checking), otherwise $15

Highest savings account APY & terms: .4%, TD Relationship Savings, minimum daily balance of $250,000

Credit card APRs for A, B, C credit scores: 9%-22%

Best APR for 60-month auto loan: 4.13% (based on a $15,000 loan for a 2013/2014 model)

Lowest 30-year fixed rate res. mortgage APR: 4.538%

Lowest residential mortgage APR & terms: 3.606%, 15-year (jumbo)

Highest APY opportunity: 1.25%, 7-year CD

Highest CD APY & terms: 1.25%, 7-year CD

Best APY for 12-month IRA: .25%

Breakout advantage: “We’re very convenient because we have so many branches, some open on Saturday and Sunday.”–Jordan Bell, Portland Square branch

CREDIT UNIONS

ACADIA FEDERAL CREDIT UNION
acadiafcu.org

Branches: 4; Minimum ATM withdraw: $5; Non-customer ATM charge: $1.50; Refund ATM surcharges: 3 free per month

Checking account fee: No

Highest savings account APY & terms: 1.0%, Kasasa Saver on balances up to $5,000

Credit card APRs for A, B, C credit scores: 10.9%, 11.9%, 12.9%

Best APR for 60-month auto loan: 2.99%

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

Lowest residential mortgage APR & terms:
2.75%, 1-year lock, introductory variable w/20% down

Highest APY opportunity: Kasasa Cash checking, 3.0% on balances up to $10,000

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

Best APY for 12-month IRA: .4%

Breakout advantage:  “ We have no service fees. We pay interest on checking accounts. We’re easy to work with.”–Mary Ann Boucher, Fort Kent

ATLANTIC REGIONAL FEDERAL CREDIT UNION
atlanticregional.com

Branches: 4; Minimum ATM withdraw: $10; Non-customer ATM charge: $2.50; Refund ATM surcharges: Yes up to $20/month

Checking account fee: No

Highest savings account APY & terms: 1.0%, Kasasa Saver on balances up to $10,000

Credit card APRs for A, B, C credit scores: 13.99-19.99%

Best APR for 60-month auto loan: 3.49%, on new vehicles

Lowest 30-year fixed rate res. mortgage APR: 4.446%

Lowest residential mortgage APR & terms: 3.495%, 15-year, 0-point plan

Highest APY opportunity: 2.5%, Kasasa Cash checking on balances up to $10,000

Highest CD APY & terms: 1.35%, 5-year step-up share

Best APY for 12-month IRA: .4%

Breakout advantage: “We’re a non-profit, which means we have lower loan rates and lower fees and good rates on checking.” –Leanne Thompson, Brunswick branch

BANGOR FEDERAL CREDIT UNION
bangorfederal.com

Branches: 3; Minimum ATM withdraw: $20; Non-customer ATM charge: $3; Refund ATM surcharges: Yes, within network only

Checking account fee: No

Highest savings account APY & terms: .10%

Credit card APRs for A, B, C credit scores: 7.9%-16.9%

Best APR for 60-month auto loan: 3.49% on vehicles 2010 & newer

Lowest 30-year fixed rate res. mortgage APR: 4.375%

Lowest residential mortgage APR & terms: 3.75%, up to 75 months

Highest APY opportunity: 1.46%, 5-year CD (Jumbo), minimum $100,000

Highest CD APY & terms: 1.46%, 5-year CD (Jumbo), minimum $100,000

Best APY for 12-month IRA: N/A

Breakout advantage: “No monthly service fees on your checking accounts.” –Carol Archer, Brewer branch

cPORT CREDIT UNION
cportcu.org

Branches: 4; Minimum ATM withdraw: $10; Non-customer ATM charge: $2; Refund ATM surcharges: Yes, with College checking

Checking account fee: No

Highest savings account APY & terms: .4%, Money Market Plus on balances of $100,000 or more

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

Best APR for 60-month auto loan: 2.99%

Lowest 30-year fixed rate res. mortgage APR: N/A; up to 15-year fixed

Lowest residential mortgage APR & terms: 3.25%, variable, with first 3 years fixed

Highest APY opportunity: 1.5%, 5-year classic annual CD

Highest CD APY & terms: 1.5%, 5-year classic annual CD

Best APY for 12-month IRA: .20%

Breakout advantage: “Our investment in our members sets us apart. We like to connect with our members and help them in any way we can. You’re a face, not a number.” –Brittany Ridge, Portland branch

CUMBERLAND COUNTY CREDIT UNION
cumberlandcountyfcu.com

Branches: 5; Minimum ATM withdraw: $20; Non-customer ATM charge: $2; Refund ATM surcharges: Yes, within network

Checking account fee: None for personal checking

Highest savings account APY & terms: .85% on IRA savings with minimum balance of $75,000

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

Best APR for 60-month auto loan: 2.3%-2.5%

Lowest 30-year fixed rate res. mortgage APR: 3.5%

Lowest residential mortgage APR & terms: 3.5%, <48 months, fixed

Highest APY opportunity: 1.76%, 5-year CD with minimum of $75,000

Highest CD APY & terms: 1.76%, 5-year CD with minimum deposit of $75,000

Best APY for 12-month IRA: .60%, minimum $75,000

Breakout advantage: “Outstanding member service. VIP Member reward points. We know you by name.” –Melissa Webber, Falmouth branch

FIVE COUNTY CREDIT UNION
fivecounty.com

Branches: 14; Minimum ATM withdraw: $20; Non-customer ATM charge: $3; Refund ATM surcharges: Yes, within network

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

Credit card APRs for A, B, C credit scores: 14.57%;  16.75%; 18.75%

Best APR for 60-month auto loan: 3.0%, new models

Lowest 30-year fixed rate res. mortgage APR: 4.467%

Lowest residential mortgage APR & terms: 3.4%, 10-year fixed

Highest APY opportunity: 1.06%, 5-year CD on a minimum $100,000

Highest CD APY & terms: 1.06%, 5-year CD, minimum $100,000

Best APY for 12-month IRA: .35% minimum $1,000

Breakout advantage:  “Convenience–we have 14 branches in eight counties, some open until 8 p.m., Monday through Saturday.” –Matt McCollette, Bath branch.

KV FEDERAL CREDIT UNION
kvfcu.org

Branches: 2; Minimum ATM withdraw: $5; Non-customer ATM charge: $1; Refund ATM surcharges: Yes, within network

Checking account fee: No

Highest savings account APY & terms: .26%, minimum  $75,000

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

Best APR for 60-month auto loan: 3.49% on autos 2007 or newer

Lowest 30-year fixed rate res. mortgage APR: 4.78%

Lowest residential mortgage APR & terms: 3.7%, 10-year plan

Highest APY opportunity: 1.75%, 5-year CD, minimum $500

Highest CD APY & terms: 1.75%, 5-year CD, minimum $500

Best APY for 12-month IRA: .40%

Breakout advantage: “Highest CD rates locally.” –Susan Greeley, Augusta branch

LINCOLN MAINE FEDERAL CREDIT UNION
lincolnmainefcu.com

Branches: 1; Minimum ATM withdraw: $5; Non-customer ATM charge:  $1.50; Refund ATM surcharges: Yes, within network

Checking account fee: No

Highest savings account APY & terms: .25%, minimum $30,000

Credit card APRs for A, B, C credit scores: 7.9%, 8.9%, 13.9%

Best APR for 60-month auto loan: 2.99% on cars 2009 or newer

Lowest 30-year fixed rate res. mortgage APR: N/A

Lowest residential mortgage APR & terms: 3.75%, maximum 15-year plan

Highest APY opportunity: 1.75%, 5-year CD, minimum $500

Highest CD APY & terms: 1.75%, 5-year CD, minimum $500

Best APY for 12-month IRA: 2.0%

Breakout advantage: “We listen to our members and try to give them what they want.” –Cris Kinney, Lincoln branch

LISBON COMMUNITY FEDERAL CREDIT UNION
lisboncu.org

Branches: 2; Minimum ATM withdraw: $10; Non-customer ATM charge: $2; Refund ATM surcharges: 4 free foreign transactions per month, $1 each after that Checking account fee: Free for $300 minimum balance, $1 otherwise with basic checking

Highest savings account APY & terms: .35%, Money Market account on minimum $100,000

Credit card APR: 13.9%

Best APR for 60-month auto loan:  3.5% on autos 2010 or newer

Lowest 30-year fixed rate res. mortgage APR: 4.324%

Lowest residential mortgage APR & terms: 3.498%, 15-year, sold on secondary market

Highest APY opportunity: 1.51%, 5-year CD, minimum $1,000

Highest CD APY & terms: 1.51%, 5-year CD, minimum $1,000

Best APY for 12-month IRA: .35% minimum $100,000

Breakout advantage: Very few fees.

PEOPLESCHOICE CREDIT UNION
peopleschoicecreditunion.com

Branches: 4; Minimum ATM withdraw: $10; Non-customer ATM charge: $1.50; Refund ATM surcharges: No; Checking account fee: $0 with 3 or more bills paid electronically per month, $5.95 otherwise

Highest savings account APY & terms: .50%, Money Market Savings, minimum balance $250,000

Credit card APRs for A & B credit scores: 9.9%, 14.98%,

Best APR for 60-month auto loan: 3.29%

Lowest 30-year fixed rate res. mortgage APR: 4.61%

Lowest residential mortgage APR & terms: 10-year, 3.99%

Highest APY opportunity: 3.04%, 10-year CD, minimum $500

Highest CD APY & terms: 1.91%, 5-year, minimum  $75,000

Best APY for 12-month IRA: .10%

Breakout advantage: “We help all of our members as best we can. We only have a $5 minimum balance requirement in your savings account, which helps in times like these.” –Amanda Marshall, Wells branch

TOWN & COUNTRY FEDERAL CREDIT UNION
tcfcu.com

Branches: 6; Minimum ATM withdraw: $1; Non-customer ATM charge: $2; Refund ATM surcharges: Up to $25 Checking account fee: None

Highest savings account APY & terms: .15%

Credit card APRs for A, B, C credit scores: 3.99%-17.99%

Best APR for 60-month auto loan: 2.49%, to as 1.99% for new cars

Lowest 30-year fixed rate res. mortgage APR: 4.5%

Lowest residential mortgage APR & terms: 3.5%, 10 year fixed

Highest APY opportunity: 3.01% on balances up to $10,000 (Free Rewards Checking)

Highest CD APY & terms: 5-year, 1.50%, minimum $500

Best APY for 12-month IRA: .50%

Breakout advantage: Membership is open to anyone who lives, works, or attends school in York or Cumberland County. “We’re extremely community oriented.” –Mike Jackson, Portland call center

UNIVERSITY CREDIT UNION
ucu.maine.edu

Branches: 7; Minimum ATM withdraw: $1; Non-customer ATM charge: $2; Refund ATM surcharges: Up to $25 with qualifications met

Checking account fee: None

Highest savings account APY & terms: 0.76% up to $15,000

Credit card APRs for A, B, C credit scores: 3.99% APR intro rate on balance transfers, otherwise 7.99% -17.99%

Best APR for 60-month auto loan: 3.74% minimum  $7,500

Lowest 30-year fixed rate res. mortgage APR: 4.236%

Lowest residential mortgage APR & terms: 3.260% 10-year fixed

Highest APY opportunity: 1.20% minimum $250

Highest CD APY & terms: 1.20% $250 minimum

Best APY for 12-month IRA: 0.300% $250 minimum

Breakout advantage: Serving the University of Maine System and other educational communities in Maine. “Our Reward checking pays you 1.44% up to $10,000.” –Brenda Wickett, Orono call center.n

In-person, telephone, and online research by Laura Breslin, Frances Killea, Gretchen Miller, and Christopher Protzman. All information is subject to change and is intended as a snapshot of the financial sector at press time.