Kennebec Federal Savings

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LOCATIONS

Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
1.01%	Reward Checking	KFS Rewards Checking 1.83% - National Average
0.75%	Reward Savings	KFS Rewards Saver 0.80% - National Average
0.40%	1-year CD	1 Year CD 1.40% - Synchrony Bank 12 Month CD

View all Kennebec Federal Savings rates »

Overview / Commentary

www.kfsavings.com

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 4,510^th largest bank in the nation. It was established in 1936 and as of March 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 a B+ health rating.

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

Profit Margin
Return on Assets - YTD	0.07%
Return on Equity - YTD	0.79%
Annual Interest Income	$943.00K

Assets and Liabilities
Assets	Q1 2017vs Q1 2016	$91.2MM$89.4MM
Loans	Q1 2017vs Q1 2016	$83.6MM$78.7MM
Deposits	Q1 2017vs Q1 2016	$63.0MM$61.6MM
Equity Capital	Q1 2017vs Q1 2016	$7.6MM$7.4MM
Loan Loss Allowance	Q1 2017vs Q1 2016	$494.00K$462.00K
Unbacked Noncurrent Loans	Q1 2017vs Q1 2016	$0$34.00K
Real Estate Owned	Q1 2017vs Q1 2016	$53.00K$249.00K

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
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
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
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
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
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