Kennebec Federal Savings

Overview / Commentary
70 Main Street
Waterville, ME 04901

Kennebec Federal Savings is headquartered in Waterville and is the 24th largest bank in the state of Maine. It is also the 4,219th largest bank in the nation. It was established in 1936 and as of December of 2020, it had grown to 22 employees at 2 locations. Kennebec Federal Savings has an A health rating.


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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

FDIC Certificate #29661
Year Established1936
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.53%
Return on Equity - YTD5.65%
Annual Interest Income$3.9MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$86.6MM$96.0MM
LoansQ4 2020vs Q4 2019$74.5MM$85.4MM
DepositsQ4 2020vs Q4 2019$69.4MM$69.8MM
Equity CapitalQ4 2020vs Q4 2019$9.1MM$8.5MM
Loan Loss AllowanceQ4 2020vs Q4 2019$521.00K$534.00K
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$407.00K$784.00K
Real Estate OwnedQ4 2020vs Q4 2019$0$0
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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

1.02%*-$5kChristmas Club
OTHER TIERS: 0.15% $5k+
0.25%*$100k*-Rewards Savings w/Checking
OTHER TIERS: 0.15% Up to $25k | 0.20% $25k - $100k
0.25%*$100k*-Rewards Savings
OTHER TIERS: 0.15% Up to $25k | 0.20% $25k - $100k
0.15%$25-IRA Regular Savings
0.10%$25-Regular Savings

Kennebec Federal Savings Money Market Rates

0.35%*$50k*$250kSuper Money Market
OTHER TIERS: 0.32% $250k+
0.25%*$50k*-Money Market
OTHER TIERS: 0.10% $2.5k - $10k | 0.15% $10k - $25k | 0.20% $25k - $50k

Kennebec Federal Savings Checking Account Rates

5.00%*-$500Feel Good Checking
OTHER TIERS: 0.15% $500+
0.75%*-$10kBusiness Rewards Checking
OTHER TIERS: 0.25% $10k+
0.25%--Rewards Checking

Kennebec Federal Savings CD Rates

0.60%$500$250k48 Month CD
0.50%$500$250k36 Month CD
0.45%$500$250k30 Month CD
0.40%$500$250k24 Month CD
0.35%$500$250k18 Month CD
0.35%$500$250k13 Month CD Special
0.30%$500$250k1 Year Easy Saver CD
0.30%$500$250k9 Month CD Special
0.25%$500$250k7 Month CD Special
0.20%$500$250k6 Month Easy Saver CD
0.05%$500$250k3 Month CD

Kennebec Federal Savings IRA Rates

0.60%$500$250k48 Month IRA
0.50%$500$250k36 Month IRA
0.45%$500$250k30 Month IRA
0.40%$500$250k24 Month IRA
0.30%$500$250k12 Month IRA

Kennebec Federal Savings Locations
Waterville Branch11 Washington StreetWaterville, ME 04901
Kennebec Federal Savings and Loan Association Of W70 Main StreetWaterville, ME 04901

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