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Kennebec Federal Savings

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CURRENT TOP RATE

Feel Good Checking

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 4,172^nd largest bank in the nation. It was established in 1936 and as of December of 2018, it had grown to 21 employees at 2 locations. Kennebec Federal Savings' money market rates are 3X the national average, and it has a B+ health rating.

Related Posts

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2011
2009

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

5/31 - 3.15% Reward Checking Account at Kennebec Federal Savings in Maine

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Health

B+

Data as of Q4 2018

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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

Overall
FDIC Certificate #	29661
Year Established	1936
Employees	21
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.28%
Return on Equity - YTD	3.36%
Annual Interest Income	$4.1MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$97.2MM$92.8MM
Loans	Q4 2018vs Q4 2017	$86.2MM$82.8MM
Deposits	Q4 2018vs Q4 2017	$71.8MM$65.6MM
Equity Capital	Q4 2018vs Q4 2017	$8.1MM$7.8MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$496.00K$521.00K
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$376.00K$327.00K
Real Estate Owned	Q4 2018vs Q4 2017	$0$0

Rates

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Money Market
Checking
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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+
0.10%	$25	-	KFS 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
OTHER TIERS: 0.10% → Up to $10k \| 0.15% → $10k - $25k \| 0.20% → $25k - $50k

Kennebec Federal Savings Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
5.00%^*	-	$500	Feel Good Checking
OTHER TIERS: 0.15% → $500+
3.04%^*	-	$10k	Business Rewards Checking
OTHER TIERS: 0.25% → $10k+
1.01%^*	-	$35k	Feel Free Rewards
OTHER TIERS: 0.25% → $35k+

Kennebec Federal Savings CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.58%	$500	$250k	21 Month CD Special - New Money
2.58%	$500	$250k	18 Month CD Special - New Money
2.53%	$500	$250k	13 Month CD Special - New Money
2.37%	$500	$250k	9 Month CD Special - New Money
2.27%	$500	$250k	7 Month CD Special - New Money
2.02%	$500	$250k	3 Month CD Special - New Money
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
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
0.60%^*	$75k^*	-	1 Year Easy Saver CD
OTHER TIERS: 0.40% → $500 - $10k \| 0.50% → $10k - $75k
0.45%^*	$75k^*	-	6 Month Easy Saver CD
OTHER TIERS: 0.25% → $500 - $10k \| 0.35% → $10k - $75k

Kennebec Federal Savings IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.53%	$500	-	1 Year IRA Special - New Money
1.76%	$500	$10k	2 Year IRA
1.51%	$500	$10k	2 1/2 Year IRA
1.51%	$500	$10k	3 Year IRA
1.51%	$500	$10k	4 Year IRA
1.01%	$500	$250k	1 Year IRA

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

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