Bank on It. Faced with Maine s impressive array of financial institutions, Find out how Maine s banks are winning you over this year.

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2 dollars & sense Bank on It Find out how Maine s banks are winning you over this year. From Staff & wire Reports Faced with Maine s impressive array of financial institutions, it s easy to feel unmoored about where to put your money. Luckily, we ve compiled the essential information to help you navigate the treacherous waters of dollars and cents. Talk about inducements: First National Bank allows you to earn discounts at local businesses with their Dream First Rewards program. Looking for a lift during your holiday shopping spree? Bangor Savings Bank will give you a $10 gift certificate when you open a checking account. We re also seeing a trend for even more advanced online services good news for the switched-on Mainer. Maine Savings Federal Credit Union claims you can apply and get approved for certain loans through your mobile app alone. Preferably not while driving. corey templeton ANDROSCOGGIN BANK androscogginbank.com Branches: 12; Non-customer ATM charge: $2.25 Refund ATM surcharges: With certain accounts ne when minimum deposit requirements are met. Highest savings account APY & terms: 0.07%, $100,000 min. Credit card APRs for A, B, C credit scores: 12.24%-23.24% Best APR for 60-month auto loan: 5.32% for customers. Lowest 30-year fixed rate res. mortgage APR: 3.647% Lowest res. mortgage APR & terms: 2.915%, 15-year fixed. Highest APY opportunity: 0.85%, high 5-year CD, Highest CD APY & terms: 0.85%, high 5-year CD, Best APY for 12-month IRA: 0.25%, D e c e m b e r

3 dollars & sense Game Changer: We offer the Wealth Builder Home Loan, a mortgage that builds equity in your home twice as fast as a traditional 30-year loan, and we re the only bank in Maine offering this kind of loan. Melissa Rock, Director of Marketing and Client Relations AUBURN SAVINGS BANK auburnsavings.com Branches: 2; Non-customer ATM charge: $3 Refund ATM surcharges: Some accounts will receive refunds of up $10/month. Checking account fee: Classic Connect account is free. Highest savings account APY & terms: Money Market 0.35% for $200,000 minimum. Best APR for 60-month auto loan: 4.5% Lowest 30-year fixed rate res. mortgage APR: 3.54% Lowest res. mortgage APR & terms: 2.947%, 15-year fixed. Highest APY opportunity: 1.15%, 1-year fixed CD, Highest CD APY & terms: 1.15%, 12 month fixed, Best APY for 12-month IRA: 0.25% Electronic check scanning on mobile devices: No Game Changer: We offer tailored financial services to best suit our clients needs, and our customer service is truly exceptional. We really listen to our customers many even have my personal cell phone number! Bill Tracy, President and CEO BANGOR SAVINGS bangor.com Number of bank branches in state: 54; Non-customer ATM charge: $3.50 Refund ATM surcharges for customers?: Yes Checking account fee?: None for Benefit Checking Highest savings account APY & terms: Benefit Money Market 0.12%, $100,000 min. deposit Best APR for 60-month auto loan: 4.29% for a new car Lowest 30-year fixed rate res. mortgage APR:3.85% Lowest res. mortgage APR & terms: 2.78%, for 10-year fixed or 3.37% APR for 3/1 ARM Highest APY opportunity: 1.36%, 5-year CD, requires Benefit Plus Checking Account; Highest CD APY & terms: 1.36%, 5-year, requires Benefit Plus Checking Account, Best APY for 12-month IRA: 0.25% requires Benefit Plus Checking Account, $500 min. Electronic check scanning on mobile devices?: Yes Game Changer: The Bangor Savings Bank Foundation invests over $1 million dollars in community initiatives across the state. We were recently ranked Highest Customer Satisfaction with Retail Banking in the New England Region in 2016 by J.D. Power for the second year in a row. Jillian Rich, Assistant Vice President BANK OF AMERICA bankofamerica.com Branches: 15; Non-customer ATM charge: $3 Refund ATM surcharges: With some accounts Checking account fee: $12 basic. None when certain requirements are met. Highest savings account APY & terms: 0.03% with Rewards Money Market Savings Account Credit card APRs for A, B, C credit scores: 13.24%-23.24% Best APR for 60-month auto loan: 2.39% with new car. Lowest 30-year fixed rate res. mortgage APR: 3.456% Lowest res. mortgage APR & terms: 3.012%, 15-year fixed Highest APY opportunity: 0.15%, 10-year fixed CD Highest CD APY & terms: 0.15%, 10-year fixed Best APY for 12-month IRA: 0.07%, $2,000 min. deposit BAR HARBOR BANK & TRUST bhbt.com Branches: 14; Non-customer ATM charge: $3.50 Refund ATM surcharges: Yes for some accounts Highest savings account APY & terms: 0.07%, $25 min. deposit Credit card APRs for A, B, C credit scores: 12.24% to 23.24% Best APR for 60-month auto loan: 4.99% Lowest 30-year fixed rate res. mortgage APR: 3.977% Lowest res. mortgage APR & terms: 3.231%, 15-year fixed Highest APY opportunity: 1.75%, 60-month CD, with BHBT checking account and $25,000 min. deposit Highest CD APY & terms: 1.4%, 5-year CD, We understand small business. Are you looking to grow your small business? Let the SBA experts at Northeast Bank help get you started. As an SBA Preferred Lender, we ll provide you with: A Team of highly experienced SBA specialists A fast, efficient application process Access to the credit you need to build a successful business To learn more, contact me today: Jonathan W. Smith Director of SBA Lending p: x3267 c: jsmith@northeastbank.com 5 2 p o r t l a n d m o n t h ly m ag a z i n e

4 BBQ or Lisa-Marie s Made in Maine. Barbara Gaul, Marketing Manager corey templeton Best APY for 12-month IRA: 0.23%, $100 min. BATH SAVINGS INSTITUTION bathsavings.com Branches: 9; Non-customer ATM charge: $2 ne for echecking NOW accounts with estatements. Highest savings account APY & terms: 0.10%, $5 min. Best APR for 60-month auto loan: 2.940% Lowest 30-year fixed rate res. mortgage APR: 3.679% Lowest res. mortgage APR & terms: 2.845%, 15-year fixed. Highest APY opportunity: 0.65% for a 54 month CD. $500 min. Highest CD APY & terms: 0.65% for a 54 month, Best APY for 12-month IRA: 0.15%, Game Changer: Our Neighbor to Neighbor Program is one thing that sets us apart. When you open a new checking account with Bath Savings, we give you a $10 gift certificate to be redeemed at a merchant who banks with us for example Bucks Naked BIDDEFORD SAVINGS biddefordsavings.com Branches: 6; Non-customer ATM charge: $2.50, but estatements have free worldwide ATM use. Highest savings account APY & terms: 0.25%, $100,000 min. balance Best APR for 60-month auto loan: 3.5% Lowest 30-year fixed rate res. mortgage APR: 3.693% Lowest res. mortgage APR & terms: 3.047%, 10-year fixed Highest APY opportunity: 1.91%, 5-year CD, $1,500 min. deposit Highest CD APY & terms: 1.91%, 5-year, $1,500 min. deposit Best APY for 12-month IRA: 0.50% CAMDEN NATIONAL BANK camdennational.com Branches: 63; Non-customer ATM charge: $3.50 Refund ATM surcharges: With some accounts ne for some accounts Highest savings account APY & terms: 0.07%, $100,00 min. balance Credit card APRs for A, B, C credit scores: 12.24%-23.24% D e c e m b e r

5 More Access, More Choice With Shared Branching, there are more branches than any single bank in Maine 175 branches in Maine and over 5,400 across the country. Credit unions have the largest surchargefree ATM network in the state, with nearly 250 SURF ATMs. We offer the latest in mobile technology for account access, to keep you connected across devices, wherever you may be. Credit unions are about helping you out with low loan rates, great terms and local decisions. Nearly 680,000 Mainers use a credit union and own it. Find out how at mainecreditunions.org

6 Best APR for 60-month auto loan: 2.39% for a new car Lowest 30-year fixed rate res. mortgage APR: 3.625% Lowest res. mortgage APR & terms: 3.022%, 5-year fixed Highest APY opportunity: 1.56%, 10-year, Highest CD APY & terms: 1.26%, 5-year, Best APY for 12-month IRA: 0.15%, Game Changer: We are the largest community bank in Maine. We have the most branches in the state. Chad Daley, Assistant Bank Center Manager First National Bank thefirst.com Branches: 16; Non-customer ATM charge: $2.50 ne for some accounts Highest savings account APY & terms: 0.20%, $5,000 min. Best APR for 60-month auto loan: 3.983% Lowest 30-year fixed rate res. mortgage APR: 3.735% Lowest res. mortgage APR & terms: 3.128%, 15-year fixed Highest APY opportunity: 1.50%, 5-year CD, Highest CD APY & terms: 1.50%, 5-year, Best APY for 12-month IRA: 0.25%, minimum $500 Game Changer: This December we release our Dream First Rewards program for checking accounts. You ll earn discounts at local merchants, thereby also supporting local businesses. Susan Norton, Executive Vice President GORHAM SAVINGS BANK gorhamsavingsbank.com Branches: 14; Non-customer ATM charge: $3.50 Refund ATM surcharges: Yes, for some accounts. ne for some accounts Highest savings account APY & terms: 0.25%, $75,000 min. Credit card APRs for A, B, C credit scores: 9.99%-15.99% Best APR for 60-month auto loan: 2.875% for a new car. Lowest 30-year fixed rate res. mortgage APR: 3.794% Lowest res. mortgage APR & terms: 2.987%, 10-year fixed. Highest APY opportunity: 1.25%, 5-year CD, Highest CD APY & terms: 1.25%, 5-year, Best APY for 12-month IRA: 0.40%, minimum $500 KENNEBUNK SAVINGS kennebunksavings.com Branches: 18; Non-customer ATM charge: $3 Refund ATM surcharges: Yes Highest savings account APY & terms: 0.10%, $5,000 min. balance Credit card APRs for A, B, C credit scores: 12.24%-23.24% Best APR for 60-month auto loan: 4.29% for a new car Lowest 30-year fixed rate res. mortgage APR: 3.550% Lowest res. mortgage APR & terms: 3.070%, 15-year fixed Highest APY opportunity: 1.31%, 5-yr. CD, Highest CD APY & terms: 1.31%, 5-year Best APY for 12-month IRA: 0.40%, $500 minimum dollars & sense KEY BANK keybank.com Branches: 53 (in Maine); Non-customer ATM charge: $3 Refund ATM surcharges: With some accounts ne for some accounts. Highest savings account APY & terms: 0.06%, $25,000 min. balance Credit card APRs for A, B, C credit scores: 13.24%-22.24% Best APR for 60-month auto loan: 4.44% Highest APY opportunity: 5-year CD, 0.85%, $100,000 min. deposit Highest CD APY & terms:.85%, 5-year, $100,000 min. deposit Best APY for 12-month IRA: 0.2% Game Changer: Key Privilege Accounts have no monthly fee, free checks, and a free safe deposit box. Sandy Walsh, Marketing Machias Savings BANK machiassavings.com Branches: 18; Non-customer ATM charge: $4 Refund ATM surcharges: With some accounts Checking account fee: $0-$8 depending on which requirements are met Highest savings account APY & terms: 0.15%, $25,000 min. balance Credit card APRs for A, B, C credit scores: 6.74%-19.74% Best APR for 60-month auto loan: 4.675% Lowest 30-year fixed rate res. mortgage APR: 3.694% Lowest res. mortgage APR & terms: 2.92%, 10-year fixed D e c e m b e r

7 WE RE ALL ON THE SAME TEAM DA We re proud to live in the communities we serve. Through exceptional products, personalized service, and friendly advice, we ve been helping our neighbors achieve financial stability for 80 years. Now that s a future everyone can root for. / CLICK NECU.ORG/SAMETEAM / CALL / FOLLOW US ON FACEBOOK

8 dollars & sense Highest APY opportunity: 0.5% for an Ultimate Green Checking account Highest CD APY & terms: 1.5%, 5-year CD, $1,000 min. deposit Best APY for 12-month IRA: 0.27%, $1,000 min. deposit Northeast Bank northeastbank.com Branches: 10; Non-customer ATM charge: $2.00 ne for some Highest savings account APY & terms: 1.10% APY Pearl Money Market (available to NEW customers, $5,000 min. balance) Best APR for 60-month auto loan: 6.209% Lowest 30-year fixed rate res. mortgage APR: 4.197% Lowest res. mortgage APR & terms: 3.50%, 15-year fixed Highest APY opportunity: 1.10% APY Pearl Money Market Highest CD APY & terms: 1.40%, 5-year CD, Best APY for 12-month IRA: 0.20%, 5-year, Game Changer: With 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. Chris Delamater, Marketing & Community Relations Manager NORWAY SAVINGS BANK norwaysavingsbank.com Branches: 24; Non-customer ATM charge: $4 Refund ATM surcharges: Yes, up to $20 for certain accounts. ne for some accounts. Highest savings account APY & terms: 0.10%, $100,000 min. balance (with requirements). Best APR for 60-month auto loan: 3.264% for a new car Lowest 30-year fixed rate res. mortgage APR: 4.186% Lowest res. mortgage APR & terms: 3.801%, 15-year fixed. Highest APY opportunity: 0.15%, $25,000 min. deposit (with requirements) Highest CD APY & terms: 1.11%, 5-year, Best APY for 12-month IRA: 0.20%, $500 min. PEOPLE S UNITED BANK peoples.com Branches: 26 in Maine; Non-customer ATM charge: $3 Refund ATM surcharges: Yes, with some accounts. Checking account fee: $12; free if 65 or older, or with use of direct deposit. Highest savings account APY & terms: 0.02% with $250 min. balance Credit card APRs for A, B, C credit scores: 10.24%-21.24%. Best APR for 60-month auto loan: 7.49% for a new car. Lowest 30-year fixed rate res. mortgage APR: 3.695% Lowest res. mortgage APR & terms: 3.018%, 15-year fixed Highest APY opportunity: 0.5%, 5-year CD with checking account. Highest CD APY & terms: 0.5%, 5-year, Local Knowledge Take advantage of guidance from a financial services leader, right here in Portland. One-on-one guidance focused on your goals, not ours Investment strategies and ideas to help you realize your personal vision Access to retirement expertise through investment professionals and top-rated planning tools Come in or give us a call today. Portland Investor Center 3 Canal Plaza Keep in mind that investing involves risk. The value of your investment will fluctuate over time and you may gain or lose money. Guidance provided is educational. Fidelity Brokerage Services LLC, Member NYSE, SIPC FMR LLC. All rights reserved D e c e m b e r

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10 Best APY for 12-month IRA: 0.25%, $1,000 min. deposit. SACO & BIDDEFORD SAVINGS sbsavings.com Branches: 6; Non-customer ATM charge: $3.50 Checking account fee: Several no fee options Highest savings account APY & terms: 0.37%, Mainely Preferred account, $100,000 min. balance Best APR for 60-month auto loan: 3.5% Lowest 30-year fixed rate res. mortgage APR: 3.799% Lowest res. mortgage APR & terms: 3.212% Highest APY opportunity: 1.50%, 5-year CD, Highest CD APY & terms: 1.50%, 5-year CD, Best APY for 12-month IRA: 0.65%, Game Changer: Dare to compare our fees with your bank or credit union. Jeff Vachon, SVP/Director of Bank Administration SANFORD INSTITUTION FOR SAVINGS banksis.com Branches: 8 in Maine; ; Non-customer ATM charge: $3; Refund ATM surcharges: Yes, with Ultimate Checking. Highest savings account APY & terms: 0.45%, Golden Rewards Money Market, $25,000 min. balance. Best APR for 60-month auto loan: 3.0% Lowest 30-year fixed rate res. mortgage APR: 3.50% Lowest res. mortgage APR & terms: 2.875% year fixed. Highest APY opportunity: 2.27%, 10-year Silver Link CD III, $10,000 min. deposit Highest CD APY & terms: 2.27%, 10-year Silver Link CD III, $10,000 min. deposit Best APY for 12-month IRA: 0.32%, TD BANK tdbank.com Branches: 40; Non-customer ATM charge: $3 Refund ATM surcharges: with certain accounts. Checking account fee: Free with $100 min. balance. Highest savings account APY & terms:0.40%, $100,00 min. balance Credit card APRs for A, B, C credit scores: 13.24% % Best APR for 60-month auto loan: N/A Lowest 30-year fixed rate res. mortgage APR: 3.935% Lowest res. mortgage APR & terms: 3.125%, 15-year fixed Highest APY opportunity: 1.09%, 5-year CD, $250 min. deposit Highest CD APY & terms: 1.09%, 5-year CD, $250 min. deposit Best APY for 12-month IRA: 0.25%, $250 min. deposit CREDIT UNIONS ACADIA FEDERAL CREDIT UNION acadiafcu.org Branches: 5; Non-customer ATM charge: $1.50. dollars & sense Highest savings account APY & terms: 0.25%, $25 min. balance Credit card APRs for A, B, C credit scores: As low as 10.90%. Best APR for 60-month auto loan: 3.19% Lowest 30-year fixed rate res. mortgage APR: 5.64%, with 20% down payment. Lowest res. mortgage APR & terms: 5.30%, 10-year fixed, 20% down payment Highest APY opportunity: 2.02%, 5-year fixed CD Highest CD APY & terms: 2.02%, 5-year fixed Best APY for 12-month IRA: 0.65% Game Changer: We offer our members competitive rates as well as lower and fewer fees for services. We also offer all the modern conveniences such as mobile and online services that members have come to expect. We make an effort to know all of our members on a first-name basis, which helps us to give absolute top-notch member-care. David Desjardins, President and CEO ATLANTIC REGIONAL FEDERAL CREDIT UNION atlanticregional.com Branches: 4; Non-customer ATM charge: $2.50 Highest savings account APY & terms: 1% Kasasa Savings with checking account. Best APR for 60-month auto loan: 1.99% Lowest 30-year fixed rate res. mortgage APR: 3.621% D e c e m b e r

11 Enjoy a New Holiday Tradition! Great Gifts! Great Bargains! Great Fun! Take Your Family to the Movies at Nordica Theatre!!! new hours: Sunday-Thursday 10-7 Friday-Saturday 10-8 Visit us on Facebook or onefreeportvillagestation.com for information on all the best deals of the season! Covered, safe parking is always FREE in our 500-car garage.

12 dollars & sense Lowest res. mortgage APR & terms: 2.965%, 15-year fixed. Highest APY opportunity: 2.5% with Kasasa Checking Highest CD APY & terms: 1.60%, 5-year, Best APY for 12-month IRA:.20%, $5,000 min. deposit. BANGOR FEDERAL CREDIT UNION bangorfederal.com Branches: 4; Non-customer ATM charge: $3 Highest savings account APY & terms: 0.35%, Money Market account, $25,000 min. balance Credit card APRs for A, B, C credit scores: 7.9%-10.9% Best APR for 60-month auto loan: 2.99% for a new car. Lowest 30-year fixed rate res. mortgage APR: 3.534% Lowest res. mortgage APR & terms: 2.75%, 15-year fixed Highest APY opportunity: 2.87%, 5-year Jumbo CD, $100,000 min. deposit Highest CD APY & terms: 2.87%, 5-year Jumbo CD, $100,000 min. deposit Best APY for 12-month IRA: 0.35%, $25,000 min. balance Game Changer: There is no charge on checking accounts. Elizabeth Outlette, Member Services Representative. cport CREDIT UNION cportcu.org Branches: 4; Non-customer ATM charge: $3 Refund ATM surcharges: Some. Highest savings account APY & terms: 0.25% $25,000 min. Best APR for 60-month auto loan: 2.99% Lowest 30-year fixed rate res. mortgage APR: 4.75% Lowest res. mortgage APR & terms: 3.5%, 3-year ARM. Highest APY opportunity: 1.65%, 5-year CD Highest CD APY & terms: 1.65%, 5-year Best APY for 12-month IRA: 0.55% CUMBERLAND COUNTY CREDIT UNION myccfcu.com Branches: 5; Non-customer ATM charge: No charge if part of the Surf Network; Highest savings account APY & terms: 0.35%, $75,000 min. balance. Credit card APRs for A, B, C credit scores: 6.50%-11.50% Best APR for 60-month auto loan: 2.6% for new car Lowest 30-year fixed rate res. mortgage APR: 3.62% Lowest res. mortgage APR & terms: 3.06% 10-year fixed Highest APY opportunity: 2.07%, 5-year CD, $75,000 min. deposit Highest CD APY & terms: 2.07%, 5-year, $75,000 min. deposit Best APY for 12-month IRA: 0.8%, $75,000 min. Infinity FEDERAL CREDIT UNION infinityfcu.com Branches: 4; Non-customer ATM charge: $2.50 Refund ATM surcharges: Yes D e c e m b e r

13 Proud to be in Good Company PeoplesChoice Credit Union recently received the Best Places to Work award for the 7th consecutive year! We truly value our employees and the value they place in our members Saco Biddeford Sanford Wells PeoplesChoiceME.org dollars & sense ne with Step Up checking Highest savings account APY & terms: 3.56% APY with High5 Checking Account. Credit card APRs for A, B, C credit scores: MasterCard has no fees. UChoose Reward: 6.90%-15.90% Best APR for 60-month auto loan: 3.99%APR Lowest 30-year fixed rate res. mortgage APR: 4.083% or 3.514% with a 15/15 Mortgage Lowest res. mortgage APR & terms: 2.950%, 10-year fixed Highest APY opportunity: 2.50% Highest CD APY & terms: 2.50% Best APY for 12-month IRA: 2.50% Game Changer: We have some of the most unique products and services around. From our 15/15 mortgage to our High5 Checking account with Jump Start Direct deposit, we really go the extra mile to ensure our members are able to do the most with their money. Mary Post, Marketing Manager Maine Savings FEDERAL CREDIT UNION mainesavings.com Branches: 10; Non-customer ATM charge: Yes Refund ATM surcharges: Yes if qualified Highest savings account APY & terms: 0.5% Credit card APRs for A, B, C credit scores: 9.99%-12.99%. Best APR for 60-month auto loan: 3.19% for a new car Lowest 30-year fixed rate res. mortgage APR: 3.653% Lowest res. mortgage APR & terms: 3.039%, 10-year fixed Highest APY opportunity: 1.55%, 5-year CD, Highest CD APY & terms: 1.55%, 5-year, Best APY for 12-month IRA: 0.35%, Game Changer: The customer service you expect from a credit union with the technology of a larger institution. Our mobile banking app even allows you to apply and get approved for certain loans without having to go in to a branch. Kirk Duke, Marketing Maine State CREDIT UNION mainestate.cuview.net Branches: 3; Non-customer ATM charge: Yes. Highest savings account APY & terms: 0.449%, $10,000 min. balance Credit card APRs: 9.99% % Best APR for 60-month auto loan: 2.99% Lowest 30-year fixed rate res. mortgage APR: 4.066% Lowest res. mortgage APR & terms: 2.919%, 10-year fixed Highest APY opportunity: 2.99%, 5-year CD, Highest CD APY & terms: 2.00%, 5-year, Best APY for 12-month IRA: 0.50%, Electronic check scanning on mobile devices: No Ocean Communities Federal Credit union oceancommunities.com Branches: 5; Non-customer ATM charge: $2; Refund ATM surcharges: Yes, if requirements are met. 6 2 p o r t l a n d m o n t h ly m ag a z i n e

14 ne for some Highest savings account APY & terms: 1.01%, $25,000 min. Credit card APRs for A, B, C credit scores: 7.49%-23.99% Best APR for 60-month auto loan: 3.25% Lowest 30-year fixed rate res. mortgage APR: 3.621% Lowest res. mortgage APR & terms: 2.965% 15-year fixed Highest APY opportunity: 2.51% Highest CD APY & terms: 1.81%, 5-year, Best APY for 12-month IRA: 0.45%, Game Changer: It s a better place to do business. Our members are made to feel comfortable. Michael Rumo, Branch Manager TOWN & COUNTRY FEDERAL CREDIT UNION tcfcu.com Branches: 6; Non-customer ATM charge: $2; Refund ATM surcharges: Yes, up to $25/month with Rewards Checking. Highest savings account APY & terms: 0.15%, $25 min. balance Credit card APRs for A, B, C credit scores: 8.09%-17.09% Best APR for 60-month auto loan: 2.49% for a new car Lowest 30-year fixed rate res. mortgage APR: 4.25% Lowest res. mortgage APR & terms: 3.576%, 10-year fixed. Highest APY opportunity: 3.01%, up to $10,000, with Rewards Checking. Highest CD APY & terms: 1.75%, 5-year CD, Best APY for 12-month IRA: 0.50%, Game Changer: Our Rewards Checking account is stellar. It s high interest with zero fees. Look at our website for a comparison board with other banks if you don t believe us! Linda Halleran, Public Relations & Communications Manager. UNIVERSITY CREDIT UNION ucu.maine.edu Branches: 9; Non-customer ATM charge: $2 Refund ATM surcharges: Yes, for some accounts ne Highest savings account APY & terms: 1.01% Kasasa Saver, $15,000 min. Credit card APRs for A, B, C credit scores: % Best APR for 60-month auto loan: 2.49% Lowest 30-year fixed rate res. mortgage APR: 3.493% Lowest res. mortgage APR & terms: 2.80%, 10-year fixed. Highest APY opportunity: 3.01% Kasasa Cash up to $10,000, no minimum. Highest CD APY & terms: 1.20%, 5-year CD, Best APY for 12-month IRA: 0.3%, Game Changer: We re a community bank. We offer classes on subjects like first-time home buying for our customers. We also host community events like Big Gig entrepreneurial networking and Popcorn Friday at our Brighton Ave. branch! Stephanie Beck, Marketing Manager n *All rates are subject to change. Please check with the relevant financial institution for the most current rates and offers. DREAM FIRST We live by a simple idea, and hope you do too: Dream First, then go from there. Because you can. National Bank Bangor Bar Harbor Blue Hill Boothbay Harbor Calais Camden Damariscotta Eastport Ellsworth Northeast Harbor Rockland Rockport Southwest Harbor Waldoboro Wiscasset A Division of The First Bancorp TheFirst.com Member FDIC Authentic Thai Cooking Dine In Take-Out Open 7 Days A Week Lunch & Dinner Beer & Wine Monday Saturday 11am 9pm Sunday 4pm 9pm Spice Levels 1 Star: Coward 2 Stars: Careful 3 Stars: Adventurous 4 Stars: Native 5 Stars: Showoff 491 US Route One, Freeport, Maine 1/2 mile south of Exit 20 (Across from Comfort Suite) D e c e m b e r