Kennebec Savings Bank Rates and Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Kennebec Savings Bank's 6-Month CD rates are at 3.00%. Kennebec Savings Bank's savings rates are at 0.00%. Kennebec Savings Bank's money market rates are at 0.00%. Kennebec Savings Bank's Mortgage rates are at 6.00%, Mortgage rates are at 6.25%, 5/1 ARM rates are at 6.00%, 3/3 ARM rates are at 5.75%. MonitorBankRates evaluates the financial stability of Kennebec Savings Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.44%. Rates were last updated on 03/04/2026.
Rate Updates and AvailabilityKennebec Savings Bank money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Kennebec Savings Bank? Share your experience about Kennebec Savings Bank by leaving a review below, or read customer reviews before you decide to use Kennebec Savings Bank. Kennebec Savings Bank Texas RatioKennebec Savings Bank's Texas Ratio is at 1.44%, which is considered excellent. The Texas Ratio for Kennebec Savings Bank is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing. MonitorBankRates Rating
5.0
Exceptional
Out of 5.0 Stars
Kennebec Savings Bank has earned a Smart Rating of 5.0 out of 5 stars. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Overall, Kennebec Savings Bank is a exceptional bank worth considering, with an overall rating of 5.0 stars out of 5 stars. Overall Health & Safety Grade
A+
Exceptional Health
Score: 99/100
Kennebec Savings Bank has earned an overall safety grade of A+. This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability. Current Interest RatesRate
APY/APR
vs. Avg
"N/A" indicates the product is not offered or the rate is unavailable. Rates Last Updated: 03/04/2026 
Kennebec Savings Bank CD Rates
Kennebec Savings Bank Savings Rates
Kennebec Savings Bank Money Market Rates
Kennebec Savings Bank Checking Rates
Kennebec Savings Bank Mortgage Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Kennebec Savings Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Kennebec Savings Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Kennebec Savings Bank's official website for the most current offers and terms.
Bank Profile & OverviewKennebec Savings Bank
150 State StAugusta, ME 04330 Kennebec Established Date: 03/19/1870 FDIC Certificate #: 17897 Date of FDIC Deposit Insurance: 08/14/1958 Bank Holding Company: KENNEBEC SAVINGS MHC How Many Domestic U.S. Offices? 8 How Many Branches are There? 8 Website: https://www.kennebecsavings.bank
Is Kennebec Savings Bank FDIC Insured? Yes
What is Kennebec Savings Bank's Cert number? 17897
What is the maximum amount for insured deposits? $250,000 per holder, per account
Financial Health & AssetsMonitorBankRates Star Rating:
5.0 / 5.0 ★
Overall Health & Safety Grade:
A+ (99/100)
Texas Ratio:
1.44%
Return on Assets (ROA):
0.3808%
Return on Equity (ROE):
3.1800%
Non-Performing Loans (NPL):
0.16%
Total Assets:
$1,822,337,000
Total Deposits:
$1,387,979,000
Equity Capital:
$239,166,000
Net Income:
$20,282,000
Headquarters:
Augusta
Regulator:
FDIC
# of Offices:
8
Source: FDIC | Last Updated 12/31/2025
Frequently Asked Questions About Kennebec Savings BankHow do I open an account at Kennebec Savings Bank?You can typically open an account at Kennebec Savings Bank by visiting a local branch or applying through their official website. Is there a first-time homebuyer program?Currently, Kennebec Savings Bank provides a range of mortgage and home equity products. Is Kennebec Savings Bank a safe place to deposit money?Yes, Kennebec Savings Bank is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor. Does Kennebec Savings Bank offer online and mobile banking?Most modern institutions like Kennebec Savings Bank provide digital access including online balance checks and transfers. Compare to other Banks |
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