K V Federal Credit Union

Overview / Commentary

207-623-5171

316 W River RD
Augusta, ME 04330

K V Federal Credit Union is headquartered in Augusta and is the 31^st largest credit union in the state of Maine. It is also the 1,648^th largest credit union in the nation. It was established in 1962 and as of June of 2024, it had grown to 22 employees and 11,022 members at 3 locations. K V Federal Credit Union's CD rates are 5X the national average, and it has a B+ health rating.

Field of Membership Restrictions

KV Federal Credit Union is open to those who live, work, go to school or worship in the Maine counties of Somerset or Kennebec. Membership also extends to immediate family members and to businesses and other legal entities within Somerset or Kennebec Counties..
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Health

B+

Data as of Q2 2024

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Health Grade Components

Overall
NCUA #	15328
Year Chartered	1962
Employees	22
Primary Regulator

Profit Margin
Return on Assets - YTD	1.24%
Return on Equity - YTD	10.97%
Annual Interest Income	$2.8MM

Assets and Liabilities
Assets	Q2 2024vs Q2 2023	$122MM$123.6MM
Loans	Q2 2024vs Q2 2023	$75.8MM$72MM
Deposits	Q2 2024vs Q2 2023	$107.7MM$110.8MM
Equity Capital	Q2 2024vs Q2 2023	$13.8MM$12.3MM
Loan Loss Allowance	Q2 2024vs Q2 2023	$125K$62K
Unbacked Noncurrent Loans	Q2 2024vs Q2 2023	$167K$25K
Real Estate Owned	Q2 2024vs Q2 2023	$0$0

Rates

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Savings
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.

K V Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.02%^*	$75k^*	-	HSA Special Savings
OTHER TIERS: 1.51% → $2.5k - $20k \| 1.77% → $20k - $75k
2.02%^*	$75k^*	-	IRA Special Savings
OTHER TIERS: 1.51% → $2.5k - $20k \| 1.77% → $20k - $75k
2.02%^*	$75k^*	-	Special Savings
OTHER TIERS: 1.51% → $2.5k - $20k \| 1.77% → $20k - $75k
0.50%^*	$0	$10k	Kasasa Saver
OTHER TIERS: 0.09% → $10k+
0.05%	$100	-	Share Account
0.05%	$0	-	IRA Share
0.05%	$0	-	Christmas Club
0.05%	$0	-	Monty Moose
0.05%	$0	-	Escrows
0.05%	$0	-	HSA Share
0.05%	$0	-	Share with Life Savings
0.05%	$0	-	Vacation Club
0.05%	$0	-	Tax Club
0.05%	$0	-	Short term Savings Club

K V Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.26%	$0	$10k	Kasasa Cash
0.05%	$2.5k	-	Special Share Draft

K V Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.35%	$500	-	2 Year CD
4.35%	$500	-	2 Year HSA CD
4.08%	$500	-	6 Month CD
4.08%	$500	-	9 Month CD
4.08%	$500	-	12 Month CD
4.08%	$500	-	18 Month CD
4.08%	$500	-	6 Month HSA CD
4.08%	$500	-	9 Month HSA CD
4.08%	$500	-	12 Month HSA CD
4.08%	$500	-	18 Month HSA CD
3.92%	$500	-	5 Year CD
3.92%	$500	-	5 Year HSA CD
3.87%	$500	-	4 Year CD
3.87%	$500	-	4 Year HSA CD
3.82%	$500	-	3 Year CD
3.82%	$500	-	3 Year HSA CD

K V Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.35%	$500	-	2 Year IRA CD
4.08%	$500	-	6 Month IRA CD
4.08%	$500	-	9 Month IRA CD
4.08%	$500	-	12 Month IRA CD
4.08%	$500	-	18 Month IRA CD
3.92%	$500	-	5 Year IRA CD
3.87%	$500	-	4 Year IRA CD
3.82%	$500	-	3 Year IRA CD

Locations

K V Federal Credit Union Locations
Branch Office	316 W River RD	Augusta, ME 04330-3992
Branch Office	35 Oak St	Oakland, ME 04963-5013
Branch Office	299 Main St	Waterville, ME 04901-4918

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