What are the current interest rates at KV Federal Credit Union?

Current rates for KV Federal Credit Union include: 12-Month CD: 3.82%, 18-Month CD: 3.82%, 24-Month CD: 3.87%, 60-Month CD: 3.56%, Savings: 2.02%

MonitorBankRates

☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

Home›
Credit Unions›
KV Federal Credit Union

iAdvertiser Disclosure

KV Federal Credit Union Rates & Review October 2026

Q: How many branches does KV Federal Credit Union operate?

KV Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join KV Federal Credit Union?

Yes, to access services at KV Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, KV Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

KV Federal Credit Union's top rates as of October 9, 2026 are 3.87% APY on its 2 Year CD, and 2.02% APY on savings, according to rates verified by MonitorBankRates. Other KV Federal Credit Union CD rates include 12 Month CD at 3.82%, 18 Month CD at 3.82%, and 3 Year CD at 3.56%. MonitorBankRates evaluates the financial stability of KV Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.60%. Rates last updated and verified on 10/09/2026.

KV Federal Credit Union 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 KV Federal Credit Union? Share your experience about KV Federal Credit Union by leaving a review below, or read customer reviews before you decide to use KV Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.60%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

KV Federal Credit Union
Main Office Branch

316 W River RD
Augusta, ME 04330-3992

https://www.kvfcu.org

Customer Reviews

Be the first to review

Write a Review

Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

KV Federal Credit Union CD Rates

Product	Rate	APY	Term
2 Year Certificate	3.80%	3.87%	2 Year
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.87% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.60%
12 Month Certificate	3.75%	3.82%	12 Month
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.82% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.60%
18 Month Certificate	3.75%	3.82%	18 Month
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.82% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.60%
3 Year Certificate	3.50%	3.56%	3 Year
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.56% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.60%
4 Year Certificate	3.50%	3.56%	4 Year
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.56% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.60%
5 Year Certificate	3.50%	3.56%	5 Year
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.56% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.60%
6 Month Certificate	3.50%	3.56%	6 Month
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.56% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.60%
9 Month Certificate	3.50%	3.56%	9 Month
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.56% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.60%

KV Federal Credit Union Savings Rates

Product	Rate	APY
HSA IRA Special Savings	2.00%	2.02%
Min Balance $75,001 Details Balance: $75,001.00 and up; Special Savings, IRA Special Savings & HSA Special Savings Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 2.02% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.60%
HSA Special Savings	2.00%	2.02%
Min Balance $75,001 Details Balance: $75,001.00 and up Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 2.02% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.60%
Special Savings	2.00%	2.02%
Min Balance $75,001 Details Balance: $75,001.00 and up Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.02% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.60%
HSA IRA Special Savings	1.75%	1.77%
Min Balance $20,001 Details Balance: $20,001.00 - $75,000.00; Special Savings, IRA Special Savings & HSA Special Savings Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 1.77% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.60%
HSA Special Savings	1.75%	1.77%
Min Balance $20,001 Details Balance: $20,001.00 - $75,000.00 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 1.77% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.60%
Special Savings	1.75%	1.77%
Min Balance $20,001 Details Balance: $20,001.00 - $75,000.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.77% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.60%
HSA IRA Special Savings	1.50%	1.51%
Min Balance $2,500 Details Balance: $2,500.00 - $20,000.00; Special Savings, IRA Special Savings & HSA Special Savings Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 1.51% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.60%
HSA Special Savings	1.50%	1.51%
Min Balance $2,500 Details Balance: $2,500.00 - $20,000.00 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 1.51% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.60%
Special Savings	1.50%	1.51%
Min Balance $2,500 Details Balance: $2,500.00 - $20,000.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.60%
Share, IRA Share, Clubs, Monty Moose, Escrows & HSA Share	0.05%	0.05%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.60%

KV Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Land Loans	7.99%	-	8.41%	5 years
Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 8.41% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.60%
Land Loans	8.24%	-	8.47%	10 years
Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 8.47% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.60%
Land Loans	8.49%	-	8.66%	15 years
Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 8.66% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.60%
Prime Equity Loan	-	-	7.00%
Details Owner occupancy required. Can be primary residence or second home in which the member resides for a minimum of six months. Limit to one equity product per Member. Adjustable monthly (prime plus zero) Effective 10/01/2026 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Oct 5, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.60%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

KV Federal Credit Union’s Texas Ratio stayed near 0.57% in Q3 2023 to 0.60% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$140M	0.60%	5.0	A+
March 31, 2026	$138M	0.33%	5.0	A+
December 31, 2025	$134M	0.76%	5.0	A+
September 30, 2025	$130M	0.81%	5.0	A+
June 30, 2025	$129M	0.39%	5.0	A+
March 31, 2025	$129M	1.14%	5.0	A+
December 31, 2024	$125M	1.77%	5.0	A+
September 30, 2024	$122M	1.37%	5.0	A+
June 30, 2024	$122M	1.19%	5.0	A+
March 31, 2024	$123M	1.46%	5.0	A+
December 31, 2023	$120M	1.46%	5.0	A+
September 30, 2023	$122M	0.57%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for KV Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member 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 credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather KV Federal Credit Union 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 KV Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name KV Federal Credit Union

Website https://www.kvfcu.org

Address 316 W River RD, Augusta, ME 04330-3992

Phone 207-623-5171

Fax 207-623-5341

President David Madore

CEO Christine Devine

Full-Time Employees 21

Part-Time Employees 1

Branch Locations 3

ATM Locations 0

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.60%

Return on Assets (ROA)

0.6016%

Return on Equity (ROE)

4.8428%

Non-Performing Loans Ratio (NPL)

0.13%

Total Assets

139,603,619

Total Amount of Shares and Deposits

121,885,087

Total Shares and Deposits < 1 Year

114,465,384

Total Shares and Deposits 1 3 Years

6,350,127

Total Shares and Deposits > 3 Years

1,069,575

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

6,274,206

Total Uninsured Shares and Deposits > $250K (F+J)

6,274,206

Total Insured Shares and Deposits > $250K (item 17 less item K)

115,610,881

Total Interest Expense (Sum of items 6 8)

680,649

Share Certificates

715

Number of Accounts for Share Drafts

6,408

IRA KEOGH Accounts

455

Number of Accounts for Regular Shares

13,352

All other shares

816

Net Income (unless the amount is already included in Undivided Earnings)

839,857

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

10,968,757

Total Liabilities

122,242,849

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

KV Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/k-v-federal-credit-union-rates-review-15328">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for KV Federal Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for KV Federal Credit Union

Frequently Asked Questions About KV Federal Credit Union

How many branches does KV Federal Credit Union operate?

KV Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join KV Federal Credit Union?

Yes, to access services at KV Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, KV Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, KV Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does KV Federal Credit Union offer online and mobile banking?

Most modern institutions like KV Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.kvfcu.org.