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Mortgage Interest Rates Rates Updated: 7/24/2008  Deposits Loans Rate Watch Sign up for Kennebec Federal Savings FREE Rate Watch service. We’ll send you an email notice each time rates change or when rates hit your target. It’s a convenient way to keep track of rates and you can unsubscribe at any time. Simply select the rates you want to watch from the list below by clicking on the checkboxes and press the "Watch Rates" button at the bottom of the page. If you are ready to apply now, Contact us for more information or Apply online now. Mortgages Adjustable Rate Mortgage *Annual Percentage Rate Product Term Points Interest Rate APR* Payment/$1000 Watch 1 Year ARM  30 Years 0 7.000% 7.02% $6.65 3/3 ARM  30 Years 0 7.000% 7.02% $6.65 5/1 ARM  30 Years 0 7.125% 7.15% $6.74 back to top There is a $1,000 construction fee on all construction loans Other mortgage programs are available. Please ask loan officer for details. Rates are subject to change without notice. Please ask a loan officer for the most current rate information. Kennebec Federal Savings reserves the right to grant loans consistent with Bank policy and practice which may include geographic and other restrictions. Mortgages Construction Loan *Annual Percentage Rate Product Term Points Interest Rate APR* Payment/$1000 Watch One-closing Construction Loan  30 Years 0 6.750% 6.85% $6.49   20 Years 0 6.625% 6.75% $7.53   15 Years 0 6.250% 6.41% $8.57 back to top There is a $1,000 construction fee on all construction loans Other mortgage programs are available. Please ask loan officer for details. Rates are subject to change without notice. Please ask a loan officer for the most current rate information. Kennebec Federal Savings reserves the right to grant loans consistent with Bank policy and practice which may include geographic and other restrictions. Mortgages Fixed Rate Residential Mortgage *Annual Percentage Rate Product Term Points Interest Rate APR* Payment/$1000 Watch Fixed Rate  30 Years 0 6.750% 6.77% $6.49   30 Years 0.5 6.625% 6.70% $6.40   30 Years 1 6.500% 6.62% $6.32   20 Years 0 6.625% 6.66% $7.53   20 Years 0.5 6.500% 6.60% $7.46   20 Years 1 6.375% 6.53% $7.38   15 Years 0 6.250% 6.29% $8.57   15 Years 0.5 6.125% 6.24% $8.51   15 Years 1 6.000% 6.20% $8.44 Fixed Rate Bi-weekly  30 Years 0 7.000% 7.02% $3.33   15 Years 0 6.500% 6.54% $4.36 back to top There is a $1,000 construction fee on all construction loans Other mortgage programs are available. Please ask loan officer for details. Rates are subject to change without notice. Please ask a loan officer for the most current rate information. Kennebec Federal Savings reserves the right to grant loans consistent with Bank policy and practice which may include geographic and other restrictions. Mortgages Land Loan *Annual Percentage Rate Product Term Points Interest Rate APR* Payment/$1000 Watch 1 Year ARM  30 Years 1 7.125% 7.23% $6.74 Fixed Rate  15 Years 1 9.000% 9.17% $10.14 back to top There is a $1,000 construction fee on all construction loans Other mortgage programs are available. Please ask loan officer for details. Rates are subject to change without notice. Please ask a loan officer for the most current rate information. Kennebec Federal Savings reserves the right to grant loans consistent with Bank policy and practice which may include geographic and other restrictions. Mortgages Seasonal Property *Annual Percentage Rate Product Term Points Interest Rate APR* Payment/$1000 Watch Fixed Rate  20 Years 0 7.125% 7.16% $7.83   15 Years 0 6.750% 6.79% $8.85 back to top There is a $1,000 construction fee on all construction loans Other mortgage programs are available. Please ask loan officer for details. Rates are subject to change without notice. Please ask a loan officer for the most current rate information. Kennebec Federal Savings reserves the right to grant loans consistent with Bank policy and practice which may include geographic and other restrictions. Home Equity Loans Fixed Rate Home Equity *Annual Percentage Rate Product Term Points Interest Rate APR* Payment/$1000 Watch Fixed Rate Home Equity  15 Years 0 7.375% 7.66% $9.20   10 Years 0 7.000% 7.40% $11.61   5 Years 0 6.750% 7.49% $19.68 back to top The Home Equity Line of credit rate is variable with a maximum APR of 18%. You must carry insurance on the property that secures the loan. Other loan programs are available. Please ask a loan officer for details. Rates are subject to change without notice. Please ask loan officer for the most current rate information. Kennebec Federal Savings reserves the right to grant loans consistent with Bank policy and practice which may include geographic and other restrictions. Home Equity Loans Home Equity Line of Credit *Annual Percentage Rate Product Term Points Interest Rate APR* Payment/$1000 Watch Home Equity Line of Credit  Open End 0 5.000% 5.00% back to top The Home Equity Line of credit rate is variable with a maximum APR of 18%. You must carry insurance on the property that secures the loan. Other loan programs are available. Please ask a loan officer for details. Rates are subject to change without notice. Please ask loan officer for the most current rate information. Kennebec Federal Savings reserves the right to grant loans consistent with Bank policy and practice which may include geographic and other restrictions.