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Rates
 Mortgage Interest Rates Rates Updated: 2/5/2012 
Deposits Loans
If you are ready to apply now, Contact us for more information or Apply online.
Mortgages
Construction Loan *Annual Percentage Rate
Product Term Points Interest Rate APR* Payment/$1000
One-closing Construction Loan  30 Years 0 4.775% 4.90% $5.23
  20 Years 0 4.625% 4.79% $6.39
  15 Years 0 4.250% 4.46% $7.52
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There is a $1,000 construction fee on all construction loans.

Adjustable rate mortgages are also available. Please ask a loan officer for details.

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
Fixed Rate  30 Years 0 3.950% 3.98% $4.75
  30 Years 0.5 3.875% 3.95% $4.70
  30 Years 1 3.750% 3.87% $4.63
  20 Years 0 3.875% 3.92% $5.99
  20 Years 0.5 3.750% 3.85% $5.93
  20 Years 1 3.625% 3.79% $5.86
  15 Years 0 3.250% 3.31% $7.03
  15 Years 0.5 3.125% 3.26% $6.97
  15 Years 1 3.000% 3.20% $6.91
Fixed Rate Bi-weekly  30 Years 0 5.750% 5.78% $2.92
  15 Years 0 5.250% 5.31% $4.02
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There is a $1,000 construction fee on all construction loans.

Adjustable rate mortgages are also available. Please ask a loan officer for details.

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
Fixed Rate  15 Years 1 8.750% 8.98% $9.99
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There is a $1,000 construction fee on all construction loans.

Adjustable rate mortgages are also available. Please ask a loan officer for details.

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
Fixed Rate  30 Years 0 5.200% 5.24% $5.49
  15 Years 0 4.750% 4.81% $7.78
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There is a $1,000 construction fee on all construction loans.

Adjustable rate mortgages are also available. Please ask a loan officer for details.

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
Fixed Rate Home Equity  15 Years 0 6.500% 6.50% $8.71
  10 Years 0 5.750% 5.75% $10.98
  5 Years 0 5.250% 5.25% $18.99
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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
Home Equity Line of Credit  Open End 0 4.500% 4.50%
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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.
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