Bank · FDIC insured
Kennebec Savings Bank CD Rates
Kennebec Savings Bank’s best CD rate is 3.25% APY on an 18-month CD. Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Kennebec Savings Bank’s CD rates compare
Compared with banks and credit unions near Augusta, ME, where Kennebec Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
Kennebec Savings Bank
3.25%APY
- Term
- 18 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $491
Certificates of Deposit (CDs)
Top rate
Northeast Bank
4.55%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $455
2nd-highest rate
Winthrop Area Federal Credit Union
4.28%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $2,331
Kennebec Savings Bank CD score
70
CD score
Higher than 26% of U.S. banks and credit unions
- 3–8 months3–8 mo3.00%
- 9–15 months9–15 mo3.05%
- 16–30 months16–30 mo3.25%
- 31–60 months31–60 mo3.00%
- QualifiedQualified3.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Kennebec Savings Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit (CDs)
Up to 3.25%APY · 7 terms
FDIC-insured up to $250,000. Features fixed interest rate accruing daily, annual free statements, and automatic renewal. Open at a branch.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsLimited-time offer, subject to withdrawal at any time. Rates fixed for term. Penalty will or may be imposed for early withdrawal. Rates and APY quoted on an annual basis | 3.00% | $149 |
| 12 monthsLimited-time offer, subject to withdrawal at any time. Rates fixed for term. Penalty will or may be imposed for early withdrawal | 3.05% | $305 |
| 18 monthsLimited-time offer, subject to withdrawal at any time. Rates fixed for term. Penalty will or may be imposed for early withdrawal | 3.25% | $491 |
| 24 monthsLimited-time offer, subject to withdrawal at any time. Rates fixed for term. Penalty will or may be imposed for early withdrawal | 3.25% | $661 |
| 36 monthsLimited-time offer, subject to withdrawal at any time. Rates fixed for term. Penalty will or may be imposed for early withdrawal | 3.00% | $927 |
| 48 monthsLimited-time offer, subject to withdrawal at any time. Rates fixed for term. Penalty will or may be imposed for early withdrawal | 2.75% | $1,146 |
| 60 monthsLimited-time offer, subject to withdrawal at any time. Rates fixed for term. Penalty will or may be imposed for early withdrawal | 1.01% | $515 |
Sources (2)
All captured Oct 4, 2026
Special-purpose accounts
Individual Retirement Account (IRA) CDs
Up to 3.25%APY · 6 terms
Available as a traditional IRA or Roth IRA. Features same interest rates as traditional CDs. Open at a branch. Excludes 6 month certificate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAvailable as traditional or Roth IRA. Limited-time offer, subject to withdrawal at any time. Rates fixed for term. Penalty will or may be imposed for early withdrawal | 3.05% | $305 |
| 18 monthsAvailable as traditional or Roth IRA. Limited-time offer, subject to withdrawal at any time. Rates fixed for term. Penalty will or may be imposed for early withdrawal | 3.25% | $491 |
| 24 monthsAvailable as traditional or Roth IRA. Limited-time offer, subject to withdrawal at any time. Rates fixed for term. Penalty will or may be imposed for early withdrawal | 3.25% | $661 |
| 36 monthsAvailable as traditional or Roth IRA. Limited-time offer, subject to withdrawal at any time. Rates fixed for term. Penalty will or may be imposed for early withdrawal | 3.00% | $927 |
| 48 monthsAvailable as traditional or Roth IRA. Limited-time offer, subject to withdrawal at any time. Rates fixed for term. Penalty will or may be imposed for early withdrawal | 2.75% | $1,146 |
| 60 monthsAvailable as traditional or Roth IRA. Limited-time offer, subject to withdrawal at any time. Rates fixed for term. Penalty will or may be imposed for early withdrawal | 1.01% | $515 |
Sources (2)
All captured Oct 4, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.