Kennebunk Savings

Overview / Commentary
104 Main Street
Kennebunk, ME 04043

Kennebunk Savings is headquartered in Kennebunk and is the 6th largest bank in the state of Maine. It is also the 603rd largest bank in the nation. It was established in 1871 and as of June of 2022, it had grown to 342 employees at 18 locations. Kennebunk Savings has an A health rating.

Reviews (3)

Customer Since 2004, And Seldom Is There An Issue. 5-Star Banking.

Posted by: |

Unlike "effkennebunk" - I've had nothing but helpful service - even when someone can't immediately address my problem, they seek someone who can. 
I had a deposit go missing (literally the ATM ate it) and the bank made good on my overdrafts. 
I've transferred money into the wrong account to cover a check - and they called rather than just bounce checks and charge me $35 a pop, unlike another former institution I banked with. 
Yes, Bank of America - I'm looking at you.  Money on-deposit, and you couldn't be bothered... other than to rack-up $105 in fees.  So if you're in York County Maine, or Rockingham County NH - give Kennbunksavings a try.


Posted by: |

I have been a customer since about 2003-2004. My first job was as a teller at this bank. I have told all my friends how amazing this bank is... And then today happened.

I will try to make this as succinct as possible.

10/2016 I went into local branch to get a new card as I had lost my old one. The teller printed off a new card for me and told me she took the liberty of having a chip card mailed to me. I notified the dear that I did NOT want the chip card as it is not accepted in places that I travel frequently.
10/2016 I received a new chip debit card.
10/2016 I call the bank teller at the local branch that I do not want this new card. She lets me know that I do not have to activate said card and can continue using my non-chip card.
10/2016 I travel with friends to Canada, none of their chip cards work, my non-chip card works. All of us had travel advisories on our cards. All of us use KSB.
01/2017 Last night I used my card for gas.
01/2017 I leave for a weekend retreat in the country (picture all woods) and decide to stop off at the local general store to get provisions. I run my card. It has a Hold-Call on it. Odd, I have finances a plenty in my account. I check my mobile account, no fraud alerts, nothing. It is 4:11pm. I call my usual bank (dolls the lot of them). They cannot see a reason why my card would be turned off, so they transfer me to the customer service. There I am informed that they deactivated ALL non-pin cards. I need to find my chip card and the pin that was mailed back in 10/2016. Mind you I am up in the mountains well away from civilization. I inform them of events back in October. They put me on 3 separate holds each lasting about 5 min to speak with a "manager" to see if they can assist me. Each time coming back on the phone to say their hands are tied and even attempt to tell me I didn't experience what I experienced in Canada. I informed them that I needed a solution NOT more excuses. 4:50 rolls around and they FINALLY transfer me to a manager. Who again is not offering solutions but more excuses. FINALLY she says that she can email me a secure document and give me a pin for my chip card (which thank god I had on me due to me tossing it into the bottom of my purse 3 months earlier). I receive the email at 4:53p. I sign and Fax... Fax didn't pick up and therefore didn't send. So I am assisted by the nice folks at the general store to a scanner to scan document and email back. I get a call at 5:16pm that my chip card is activated and I was given my new pin.

Now I just need to find an ATM in the middle of the woods to activate this new card in order to buy groceries for my relaxing weekend away... If you cannot hear the frustration my apologies.

I will be talking to my attorney when I am back in town.

Fair-Weather Friends

I had a temporary setback where I lost use of my phone and did not have money to address an overdraft. When I came in I was treated very rudely and told not to reopen my account with them, all as they took the money to settle it. I have never been treated that badly and I am very happy to have had an account with another New England bank that has never had a problem with me.


Health Grade Components

FDIC Certificate #13063
Year Established1871
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.59%
Return on Equity - YTD7.06%
Annual Interest Income$28.7MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$1.80B$1.72B
LoansQ2 2022vs Q2 2021$1.25B$1.18B
DepositsQ2 2022vs Q2 2021$1.64B$1.56B
Equity CapitalQ2 2022vs Q2 2021$138.1MM$158.1MM
Loan Loss AllowanceQ2 2022vs Q2 2021$14.9MM$21.4MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$1.5MM$9.0MM
Real Estate OwnedQ2 2022vs Q2 2021$0$0
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Always verify rates and promotions with the bank or credit union. We are not Kennebunk 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.

Kennebunk Savings Savings Account Rates

0.10%*$100k*$1mHarbor Savings
OTHER TIERS: 0.01% Up to $10k | 0.05% $10k - $50k | 0.07% $50k - $100k
0.10%*$100k*$2mBusiness Harbor Savings
OTHER TIERS: 0.01% Up to $10k | 0.05% $10k - $50k | 0.07% $50k - $100k
0.10%--Christmas Club Account

Kennebunk Savings Money Market Rates

0.05%*$50k*-Business Performance Money Market
OTHER TIERS: 0.01% Up to $25k | 0.03% $25k - $50k

Kennebunk Savings Checking Account Rates

0.01%--Interest Bearing Checking

Kennebunk Savings CD Rates

0.50%$500-60 Month CD
0.45%$500-Business 60 Month CD
0.40%$500-36 Month CD
0.35%$500-24 Month CD
0.30%$500-Business 24 Month CD
0.25%$500-12 Month CD
0.15%$500-6 Month CD
0.15%$500-7 Month - No Penalty CD
0.15%$500-Business 12 Month CD
0.10%$500-Business 6 Month CD
0.10%$500-3 Month CD

Kennebunk Savings IRA Rates

0.50%$500-48 Month IRA
0.50%$500-48 Month CESA
0.40%$500-36 Month IRA
0.40%$500-36 Month CESA
0.35%$500-24 Month IRA
0.35%$500-24 Month CESA
0.25%$500-12 Month IRA
0.25%$500-12 Month CESA


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