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Kennebec Federal Savings


Overview / Commentary
www.kfsavings.com
207-873-5151
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 4,079th largest bank in the nation. It was established in 1936 and as of December of 2019, it had grown to 20 employees at 2 locations. Kennebec Federal Savings' money market rates are 14% higher than the national average, and it has a B health rating.

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Health
B

Data as of Q4 2019

Learn why bank health matters
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 Established1936
Employees20
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.39%
Return on Equity - YTD4.63%
Annual Interest Income$4.4MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$96.0MM$97.2MM
LoansQ4 2019vs Q4 2018$85.4MM$86.2MM
DepositsQ4 2019vs Q4 2018$69.8MM$71.8MM
Equity CapitalQ4 2019vs Q4 2018$8.5MM$8.1MM
Loan Loss AllowanceQ4 2019vs Q4 2018$534.00K$496.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$784.00K$376.00K
Real Estate OwnedQ4 2019vs Q4 2018$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Kennebec Federal Savings; 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.

Kennebec Federal Savings Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%*-$5kChristmas Club
OTHER TIERS: 0.15% → $5k+
0.70%*$100k*-Rewards Savings w/Checking
OTHER TIERS: 0.35% → Up to $25k | 0.45% → $25k - $100k
0.50%*$100k*-Rewards Savings
OTHER TIERS: 0.15% → Up to $25k | 0.25% → $25k - $100k
0.15%$25-IRA Regular Savings
0.10%$25-Regular Savings

Kennebec Federal Savings Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$50k*$250kSuper Money Market
OTHER TIERS: 0.46% → $250k+
0.30%*$50k*-Money Market
OTHER TIERS: 0.10% → $2.5k - $10k | 0.15% → $10k - $25k | 0.20% → $25k - $50k

Kennebec Federal Savings Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%*-$500Feel Good Checking
OTHER TIERS: 0.15% → $500+
2.01%*-$10kBusiness Rewards Checking
OTHER TIERS: 0.25% → $10k+
0.76%*-$35kRewards Checking
OTHER TIERS: 0.25% → $35k+

Kennebec Federal Savings CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.90%$500$250k48 Month CD
0.75%$500$250k36 Month CD
0.60%$500$250k30 Month CD
0.55%$500$250k24 Month CD
0.50%$500$250k18 Month CD
0.50%$500$250k13 Month CD Special
0.45%$500$250k1 Year Easy Saver CD
0.45%$500$250k9 Month CD Special
0.40%$500$250k7 Month CD Special
0.35%$500$250k6 Month Easy Saver CD
0.15%$500$250k3 Month CD

Kennebec Federal Savings IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.90%$500$250k48 Month IRA
0.75%$500$250k36 Month IRA
0.60%$500$250k30 Month IRA
0.55%$500$250k24 Month IRA
0.45%$500$250k12 Month IRA
Locations


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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