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  2. Kennebec Federal Savings

Kennebec Federal Savings

Popular Accounts at this Bank

APYACCOUNT TYPEACCOUNT NAME
1.01%Reward CheckingKFS Rewards Checking
1.75% - National Average
0.75%Reward SavingsKFS Rewards Saver
0.77% - National Average
0.40%1-year CD1 Year CD
1.05% - Ally Bank High Yield 12-Month CDAdvertisement
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 24th largest bank in the state of Maine. It is also the 4,629th largest bank in the nation. It was established in 1936 and as of June of 2016, it had grown to 23 employees at 2 locations. Kennebec Federal Savings has a B+ health rating.

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Health
B+

Data as of Q2 2016

Learn more about bank health
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 - YTD0.19%
Return on Equity - YTD2.29%
Annual Interest Income$1.8MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$89.5MM$85.3MM
LoansQ2 2016vs Q2 2015$79.2MM$76.7MM
DepositsQ2 2016vs Q2 2015$60.9MM$59.2MM
Equity CapitalQ2 2016vs Q2 2015$7.5MM$7.3MM
Loan Loss AllowanceQ2 2016vs Q2 2015$451.00K$428.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$69.00K$345.00K
Real Estate OwnedQ2 2016vs Q2 2015$318.00K$212.00K
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+
0.75%*$100k*-KFS Rewards Saver
OTHER TIERS: 0.50% → Up to $100k
0.10%$25-Regular Savings

Kennebec Federal Savings Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.26%*-$10kRewards Checking for Business
OTHER TIERS: 0.25% → $10k+
1.01%*-$35kKFS Rewards Checking
OTHER TIERS: 0.25% → $35k+

Kennebec Federal Savings CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%$500-4 Year Step Rate CD Promo - Year 4
1.26%$500-4 Year Step Rate CD Promo - Year 3
1.01%*$75k*-3 Year CD
OTHER TIERS: 0.80% → $500 - $10k | 0.90% → $10k - $75k
1.01%*$75k*-4 Year CD
OTHER TIERS: 0.85% → $500 - $10k | 0.95% → $10k - $75k
1.01%$500-4 Year Step Rate CD Promo - Years 1 & 2
0.75%*$75k*-2 1/2 Year CD
OTHER TIERS: 0.55% → $500 - $10k | 0.65% → $10k - $75k
0.75%*$75k*-2 Year One-Up CD
OTHER TIERS: 0.55% → $500 - $10k | 0.65% → $10k - $75k
0.65%*$75k*-2 Year CD
OTHER TIERS: 0.45% → $500 - $10k | 0.55% → $10k - $75k
0.45%*$75k*-15 Month One-Up CD
OTHER TIERS: 0.25% → $500 - $10k | 0.35% → $10k - $75k
0.45%*$75k*-1 1/2 Year CD
OTHER TIERS: 0.25% → $500 - $10k | 0.35% → $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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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 Branch11 Washington StreetWaterville, ME 04901
Kennebec Federal Savings and Loan Association Of W70 Main StreetWaterville, ME 04901