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Kennebec Federal Savings

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CURRENT TOP RATE

KFS Christmas Club

Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
1.01%	Reward Checking	KFS Rewards Checking 1.84% - National Average
0.75%	Reward Savings	KFS Rewards Saver 0.81% - National Average
0.40%	1-year CD	1 Year CD 1.50% - Goldman Sachs Bank USA 12 Month CD

View all Kennebec Federal Savings rates »

Overview / Commentary

207-873-5151

70 Main Street
Waterville, ME 04901

Kennebec Federal Savings is headquartered in Waterville and is the 24^th largest bank in the state of Maine. It is also the 4,402^nd largest bank in the nation. It was established in 1936 and as of June of 2017, it had grown to 22 employees at 2 locations. Kennebec Federal Savings' money market rates are 3X the national average, and it has an A health rating.

Related Posts

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2011

10/23 - Rate, Cap, # Of Monthly Transactions Change For Kennebec Federal Savings Rewards Checking

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Health

A

Data as of Q2 2017

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Kennebec Federal Savings has a relatively low asset base.

Health Grade Components

Overall
FDIC Certificate #	29661
Year Established	1936
Employees	22
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.25%
Return on Equity - YTD	2.99%
Annual Interest Income	$1.9MM

Assets and Liabilities
Assets	Q2 2017vs Q2 2016	$95.1MM$89.5MM
Loans	Q2 2017vs Q2 2016	$82.7MM$79.2MM
Deposits	Q2 2017vs Q2 2016	$67.9MM$60.9MM
Equity Capital	Q2 2017vs Q2 2016	$7.7MM$7.5MM
Loan Loss Allowance	Q2 2017vs Q2 2016	$503.00K$451.00K
Unbacked Noncurrent Loans	Q2 2017vs Q2 2016	$0$69.00K
Real Estate Owned	Q2 2017vs Q2 2016	$53.00K$318.00K

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Kennebec Federal Savings Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.02%^*	-	$5k	KFS Christmas Club
OTHER TIERS: 0.15% → $5k+
0.75%^*	$100k^*	-	KFS Rewards Saver
OTHER TIERS: 0.50% → Up to $100k
0.10%	$25	-	Regular Savings

Kennebec Federal Savings Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.25%^*	$150k^*	$250k	Super Money Market
OTHER TIERS: 0.10% → $250k+ \| 1.01% → $100k - $150k
0.30%^*	$50k^*	-	Money Market Savings
OTHER TIERS: 0.10% → $2,500 - $10k \| 0.15% → $10k - $25k \| 0.20% → $25k - $50k

Kennebec Federal Savings Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.26%^*	-	$10k	Rewards Checking for Business
OTHER TIERS: 0.25% → $10k+
1.01%^*	-	$35k	KFS Rewards Checking
OTHER TIERS: 0.25% → $35k+

Kennebec Federal Savings CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.51%	$500	-	4 Year Step Rate CD Promo - Year 4
1.51%^*	$75k^*	-	21 Month CD Special
OTHER TIERS: 0.80% → $500 - $10k \| 1.21% → $10k - $75k
1.26%	$500	-	4 Year Step Rate CD Promo - Year 3
1.26%^*	$75k^*	-	13 Month CD Special
OTHER TIERS: 0.70% → $500 - $10k \| 1.01% → $10k - $75k
1.21%^*	$75k^*	-	4 Year CD
OTHER TIERS: 0.75% → $500 - $10k \| 0.95% → $10k - $75k
1.16%^*	$75k^*	-	3 Year CD
OTHER TIERS: 0.70% → $500 - $10k \| 0.90% → $10k - $75k
1.11%^*	$75k^*	-	2 1/2 Year CD
OTHER TIERS: 0.60% → $500 - $10k \| 0.80% → $10k - $75k
1.06%^*	$75k^*	-	2 Year CD
OTHER TIERS: 0.55% → $500 - $10k \| 0.75% → $10k - $75k
1.01%^*	$75k^*	-	1 1/2 Year CD
OTHER TIERS: 0.50% → $500 - $10k \| 0.70% → $10k - $75k
1.01%	$500	-	4 Year Step Rate CD Promo - Years 1 & 2
0.95%^*	$75k^*	-	2 Year One-Up CD
OTHER TIERS: 0.45% → $500 - $10k \| 0.65% → $10k - $75k
0.90%^*	$75k^*	-	15 Month One-Up CD
OTHER TIERS: 0.40% → $500 - $10k \| 0.60% → $10k - $75k
0.40%^*	$75k^*	-	9 Month CD
OTHER TIERS: 0.20% → $500 - $10k \| 0.30% → $10k - $75k
0.40%^*	$75k^*	-	1 Year Easy Saver CD
OTHER TIERS: 0.20% → $500 - $10k \| 0.30% → $10k - $75k
0.40%^*	$75k^*	-	1 Year CD
OTHER TIERS: 0.20% → $500 - $10k \| 0.30% → $10k - $75k
0.35%^*	$75k^*	-	6 Month Easy Saver CD
OTHER TIERS: 0.15% → $500 - $10k \| 0.25% → $10k - $75k
0.35%^*	$75k^*	-	6 Month CD
OTHER TIERS: 0.15% → $500 - $10k \| 0.25% → $10k - $75k
0.25%^*	$75k^*	-	3 Month CD
OTHER TIERS: 0.10% → $500 - $10k \| 0.15% → $10k - $75k

Kennebec Federal Savings IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.01%^*	$75k^*	-	3 Year IRA
OTHER TIERS: 0.80% → $500 - $10k \| 0.90% → $10k - $75k
1.01%^*	$75k^*	-	4 Year IRA
OTHER TIERS: 0.85% → $500 - $10k \| 0.95% → $10k - $75k
0.75%^*	$75k^*	-	2 1/2 Year IRA
OTHER TIERS: 0.55% → $500 - $10k \| 0.65% → $10k - $75k
0.65%^*	$75k^*	-	2 Year IRA
OTHER TIERS: 0.45% → $500 - $10k \| 0.55% → $10k - $75k
0.40%^*	$75k^*	-	1 Year IRA
OTHER TIERS: 0.20% → $500 - $10k \| 0.30% → $10k - $75k

Locations

Kennebec Federal Savings Locations
Waterville Branch	11 Washington Street	Waterville, ME 04901
Kennebec Federal Savings and Loan Association Of W	70 Main Street	Waterville, ME 04901