Kennebec Savings Bank CD Rates — October 2026
As of October 22, 2026, Kennebec Savings Bank's highest tracked CD rate is 3.25% APY on an 18-month promotional CD ($500 minimum). That is 2.1 times the FDIC national average for 24-month CDs (1.55%).
Tracking began .
Kennebec Savings Bank CD rates
CDs from 6 months to 5 years with a $500 minimum to open. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 6 months | 6 Month CD (CD Only) Promotional | $500 | 3.00% | −1.40% | Top 68% of tracked 6-month CDs · Verified October 22, 2026 |
| 12 months | 1 Year CD Promotional | $500 | 3.05% | −1.52% | Top 66% of tracked 12-month CDs · Verified October 22, 2026 |
| 18 months | 18 Month CD Promotional | $500 | 3.25% | −1.47% | Top 61% of tracked 18-month CDs · Verified October 22, 2026 |
| 24 months | 2 Year CD Promotional | $500 | 3.25% | −1.62% | Top 56% of tracked 24-month CDs · Verified October 22, 2026 |
| 36 months | 3 Year CD Promotional | $500 | 3.00% | −1.95% | Top 60% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | 4 Year CD Promotional | $500 | 2.75% | −2.23% | Top 63% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | 5 Year CD Promotional | $500 | 1.01% | −4.00% | Top 89% of tracked 60-month CDs · Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are Kennebec Savings Bank's best CD rates by term?
Kennebec Savings Bank's best rate is 3.25% APY on 18 months, verified October 22, 2026.
- 6 mo3.00%
- 12 mo3.05%
- 18 mo3.25%
- 24 mo3.25%
- 36 mo3.00%
- 48 mo2.75%
- 60 mo1.01%
How much interest could a Kennebec Savings Bank CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$491.90 interest · $10,491.90 at maturity on $10,000.00.
3.25% APY · 18 months · 18 Month CD · Promotional · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 6 months | $74.653.00% APY · 6 Month CD (CD Only) · Promotional | $149.303.00% APY · 6 Month CD (CD Only) · Promotional | $373.263.00% APY · 6 Month CD (CD Only) · Promotional | $746.513.00% APY · 6 Month CD (CD Only) · Promotional |
| 12 months | $152.503.05% APY · 1 Year CD · Promotional | $305.003.05% APY · 1 Year CD · Promotional | $762.503.05% APY · 1 Year CD · Promotional | $1,525.003.05% APY · 1 Year CD · Promotional |
| 18 months | $245.953.25% APY · 18 Month CD · Promotional | $491.903.25% APY · 18 Month CD · Promotional | $1,229.753.25% APY · 18 Month CD · Promotional | $2,459.503.25% APY · 18 Month CD · Promotional |
| 24 months | $330.283.25% APY · 2 Year CD · Promotional | $660.563.25% APY · 2 Year CD · Promotional | $1,651.413.25% APY · 2 Year CD · Promotional | $3,302.813.25% APY · 2 Year CD · Promotional |
| 36 months | $463.643.00% APY · 3 Year CD · Promotional | $927.273.00% APY · 3 Year CD · Promotional | $2,318.173.00% APY · 3 Year CD · Promotional | $4,636.353.00% APY · 3 Year CD · Promotional |
| 48 months | $573.112.75% APY · 4 Year CD · Promotional | $1,146.212.75% APY · 4 Year CD · Promotional | $2,865.532.75% APY · 4 Year CD · Promotional | $5,731.062.75% APY · 4 Year CD · Promotional |
| 60 months | $257.651.01% APY · 5 Year CD · Promotional | $515.301.01% APY · 5 Year CD · Promotional | $1,288.261.01% APY · 5 Year CD · Promotional | $2,576.521.01% APY · 5 Year CD · Promotional |
How Kennebec Savings Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 548-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 202 of 331 tracked institutions with fresh 548-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| Kennebec Savings Bank (this institution)18 Month CD · Promotional | 18 months | $500 | Branches in ME | 3.25% | October 22, 2026 |
| Bread SavingsBread Savings CD · Standard | 18 months | $1,500 | Available nationwide | 4.85% | October 22, 2026 |
| Popular DirectCD · Standard | 18 months | $10,000 | Available nationwide | 4.75% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Standard | 18 months | Not stated | Available nationwide | 4.55% | October 22, 2026 |
| Kirtland Federal Credit Union (highest tracked APY for this term)18-Month Limited-Time Share Certificate · Promotional | 18 months | $500 | Membership required · branches in NM | 5.12% | October 22, 2026 |
| Treasury (APY-equivalent) | 18 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.72% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Kennebec Savings Bank on October 22, 2026.
About Kennebec Savings Bank
- Legal name
- Kennebec Savings Bank
- Regulator ID
- FDIC 17897
- Headquarters
- Augusta, ME
- Available in
- ME
- Total assets
- $1.9 billion
- Also known as
- Website
- www.kennebecsavings.bank
Source: rates read from https://www.kennebecsavings.bank/resources/cd-and-ira-rates. See the page text we read.
Frequently asked questions
What is the highest CD rate at Kennebec Savings Bank?
Among the rates we track, 3.25% APY on an 18-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a Kennebec Savings Bank CD?
The lowest minimum we found is $500.
How does Kennebec Savings Bank's best CD rate compare with Treasury yields?
3.25% APY is −1.47% versus the 18-month Treasury yield of 4.72% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 3.25% a good CD rate?
It is 2.1 times the FDIC national average for a similar term (1.55% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Kennebec Savings Bank CDs insured?
Kennebec Savings Bank is an FDIC-insured bank (FDIC 17897). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Kennebec Savings Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Kennebec Savings Bank's website and may change at any time. Confirm terms, minimums and eligibility with Kennebec Savings Bank before opening an account. This page is not financial advice.