Kennebec Federal Savings


Popular Accounts at this Bank

APYACCOUNT TYPEACCOUNT NAME
1.01%Reward CheckingFeel Free Rewards
0.40%1-year CD1 Year Easy Saver CD
0.10%SavingsKFS Regular Savings

Overview / Commentary
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 4,254th largest bank in the nation. It was established in 1936 and as of June of 2018, it had grown to 23 employees at 2 locations. Kennebec Federal Savings' money market rates are 3X the national average, and it has a B+ health rating.

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Health
B+
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
Employees23
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.16%
Return on Equity - YTD1.96%
Annual Interest Income$2.0MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$95.6MM$95.1MM
LoansQ2 2018vs Q2 2017$83.9MM$82.7MM
DepositsQ2 2018vs Q2 2017$70.8MM$67.9MM
Equity CapitalQ2 2018vs Q2 2017$7.9MM$7.7MM
Loan Loss AllowanceQ2 2018vs Q2 2017$521.00K$503.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$147.00K$0
Real Estate OwnedQ2 2018vs Q2 2017$25.00K$53.00K
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%*-$5kKFS Christmas Club
OTHER TIERS: 0.15% $5k+
0.10%$25-KFS Regular Savings

Kennebec Federal Savings Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%*$150k*$250kSuper 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%*-$500Feel Good Checking
OTHER TIERS: 0.15% $500+
1.26%*-$10kBusiness Rewards Checking
OTHER TIERS: 0.25% $10k+
1.01%*-$35kFeel Free Rewards
OTHER TIERS: 0.25% $35k+

Kennebec Federal Savings CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.22%$500-21 Month CD Special (New Money)
2.17%$500$250k18 Month CD Special (New Money)
2.12%$500-13 Month CD Special (New Money)
2.07%$500-9 Month CD
2.07%$500$250k9 Month CD Special (New Money)
1.51%$500-4 Year Step Rate CD - Year 4
1.26%$500-4 Year Step Rate CD - Year 3
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 - Year 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
0.60%*$75k*-1 Year CD
OTHER TIERS: 0.40% $500 - $10k | 0.50% $10k - $75k
0.45%*$75k*-6 Month CD
OTHER TIERS: 0.25% $500 - $10k | 0.35% $10k - $75k
0.40%*$75k*-1 Year Easy Saver 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
0.25%*$75k*-3 Month CD
OTHER TIERS: 0.10% $500 - $10k | 0.15% $10k - $75k

Kennebec Federal Savings IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.21%*$75k*-4 Year IRA
OTHER TIERS: 0.75% $500 - $10k | 0.95% $10k - $75k
1.16%*$75k*-3 Year IRA
OTHER TIERS: 0.70% $500 - $10k | 0.90% $10k - $75k
1.11%*$75k*-2 1/2 Year IRA
OTHER TIERS: 0.60% $500 - $10k | 0.80% $10k - $75k
1.06%*$75k*-2 Year IRA
OTHER TIERS: 0.55% $500 - $10k | 0.75% $10k - $75k
0.60%*$75k*-1 Year IRA
OTHER TIERS: 0.40% $500 - $10k | 0.50% $10k - $75k
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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