Kennebec Federal Savings

Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
1.01%	Reward Checking	Feel Free Rewards 2.00% - National Average
0.40%	1-year CD	1 Year Easy Saver CD 2.45% - Synchrony Bank 12 Month CD
0.10%	Savings	KFS Regular Savings 1.80% - American Express National Bank High Yield Savings Account

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 4,254^th 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.

Overall
FDIC Certificate #	29661
Year Established	1936
Employees	23
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.16%
Return on Equity - YTD	1.96%
Annual Interest Income	$2.0MM

Assets and Liabilities
Assets	Q2 2018vs Q2 2017	$95.6MM$95.1MM
Loans	Q2 2018vs Q2 2017	$83.9MM$82.7MM
Deposits	Q2 2018vs Q2 2017	$70.8MM$67.9MM
Equity Capital	Q2 2018vs Q2 2017	$7.9MM$7.7MM
Loan Loss Allowance	Q2 2018vs Q2 2017	$521.00K$503.00K
Unbacked Noncurrent Loans	Q2 2018vs Q2 2017	$147.00K$0
Real Estate Owned	Q2 2018vs Q2 2017	$25.00K$53.00K

Rates

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Savings
Money Market
Checking
CD
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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+
0.10%	$25	-	KFS 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
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
5.00%^*	-	$500	Feel Good Checking
OTHER TIERS: 0.15% → $500+
1.26%^*	-	$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
2.22%	$500	-	21 Month CD Special (New Money)
2.17%	$500	$250k	18 Month CD Special (New Money)
2.12%	$500	-	13 Month CD Special (New Money)
2.07%	$500	-	9 Month CD
2.07%	$500	$250k	9 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

APY	MIN	MAX	ACCOUNT NAME
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 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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