K V Federal Credit Union

Overview / Commentary

207-623-5171

316 W River RD
Augusta, ME 04330-3992

K V Federal Credit Union is headquartered in Augusta and is the 32^nd largest credit union in the state of Maine. It is also the 1,744^th largest credit union in the nation. It was established in 1962 and as of June of 2019, it had grown to 22 employees and 10,606 members at 3 locations. K V Federal Credit Union's CD rates are 2X 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 Somerset or Kennebec counties, and to immediate family members.
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Health

B+

Data as of Q2 2019

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

Health Grade Components

Overall
NCUA #	15328
Year Chartered	1962
Employees	22
Primary Regulator

Profit Margin
Return on Assets - YTD	0.56%
Return on Equity - YTD	5.23%
Annual Interest Income	$1.5MM

Assets and Liabilities
Assets	Q2 2019vs Q2 2018	$88.3MM$86.3MM
Loans	Q2 2019vs Q2 2018	$50.3MM$44.7MM
Deposits	Q2 2019vs Q2 2018	$78.7MM$77.2MM
Equity Capital	Q2 2019vs Q2 2018	$9.4MM$8.9MM
Loan Loss Allowance	Q2 2019vs Q2 2018	$79.00K$68.00K
Unbacked Noncurrent Loans	Q2 2019vs Q2 2018	$101.00K$82.00K
Real Estate Owned	Q2 2019vs Q2 2018	$47.00K$0

Rates

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Savings
Checking
CD
IRA

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Always verify rates and promotions with the bank or credit union. We are not K V Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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
0.26%^*	$75k^*	-	HSA Special Savings
OTHER TIERS: 0.16% → $2.5k - $20k \| 0.21% → $20k - $75k
0.26%^*	$75k^*	-	IRA Special Savings
OTHER TIERS: 0.16% → $2.5k - $20k \| 0.21% → $20k - $75k
0.26%^*	$75k^*	-	Special Savings
OTHER TIERS: 0.16% → $2.5k - $20k \| 0.21% → $20k - $75k
0.05%	$100	-	Share Account
0.05%	-	-	IRA Share
0.05%	-	-	Christmas Club
0.05%	-	-	Monty Moose
0.05%	-	-	Escrows
0.05%	-	-	HSA Share
0.05%	-	-	Share with Life Savings
0.05%	-	-	Vacation Club
0.05%	-	-	Tax Club
0.05%	-	-	Short term Savings Club
0.05%	-	-	Other Purposes Club

K V Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	$2.5k	-	Special Share Draft

K V Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.12%	$1k	-	5 Year CD
3.12%	$1k	-	5 Year HSA CD
2.87%	$1k	-	4 Year CD
2.87%	$1k	-	4 Year HSA CD
2.62%	$1k	-	3 Year CD
2.62%	$1k	-	3 Year HSA CD
2.41%	$1k	-	2 Year CD
2.41%	$1k	-	2 Year HSA CD
2.11%	$1k	-	12 Month CD
2.11%	$1k	-	18 Month CD
2.11%	$1k	-	12 Month HSA CD
2.11%	$1k	-	18 Month HSA CD
1.81%	$1k	-	6 Month CD
1.81%	$1k	-	9 Month CD
1.81%	$1k	-	6 Month HSA CD
1.81%	$1k	-	9 Month HSA CD

K V Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.12%	$1k	-	5 Year IRA CD
2.87%	$1k	-	4 Year IRA CD
2.62%	$1k	-	3 Year IRA CD
2.41%	$1k	-	2 Year IRA CD
2.11%	$1k	-	12 Month IRA CD
2.11%	$1k	-	18 Month IRA CD
1.81%	$1k	-	6 Month IRA CD
1.81%	$1k	-	9 Month 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 04901-4984

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