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Kennebunk Savings Bank

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Kennebunk Savings Bank Rates & Review April 2026

Q: How many branches does Kennebunk Savings Bank operate?

Kennebunk Savings Bank currently maintains approximately 17 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Kennebunk Savings Bank 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Kennebunk Savings Bank 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: April 25, 2026

You can compare Kennebunk Savings Bank rates to other rates in our database, including 12-month CD rates currently at 3.50%, 6-month CD rates at 2.57% and 3-month CD rates at 0.75%. Savings rates are at 0.10% and money market rates are at 0.05%. Mortgage rates on 30-year fixed loans are around 6.04%. All these rates can be compared to Kennebunk Savings Bank rates. MonitorBankRates evaluates the financial stability of Kennebunk Savings Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.99%. Rates were last updated on 04/25/2026.

Kennebunk Savings Bank 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 Kennebunk Savings Bank? Share your experience about Kennebunk Savings Bank by leaving a review below, or read customer reviews before you decide to use Kennebunk Savings Bank.

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.99%

Excellent Lower than avg

Kennebunk Savings Bank

104 Main St
Kennebunk, ME 04043

https://www.kennebunksavings.com

Kennebunk Savings Bank Mortgage Rates

Product	Rate	Points	APR
15 Year Fixed Rate-Servicing Released	5.63%	-	5.74%
Details Information based on a mortgage loan to purchase a single-family primary residence located in Maine, with a 60 day rate lock period. APR calculation assumes a $285,000 loan to borrower(s) with excellent credit (including minimum credit score of 770), with a 50% down payment. The estimated monthly payment schedule for this loan would be: 179 payments of $2,347.64 at an interest rate of 5.625%; 1 payment of $2,346.29 at an interest rate of 5.625%. Hazard and, if applicable, flood insurance required. Payments do not include amounts to be held in escrow for taxes and insurance premiums, including mortgage insurance (if applicable); your actual payment obligation may be greater. Information provided is for illustrative purposes. Your actual rate and payment will depend on various factors, including loan product, loan amount, credit profile, property value, occupancy and other factors. This is not a commitment to lend. Rates, terms and fees subject to change without notice. Last Updated 04/24/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Jumbo 20 Year Fixed Rate	6.13%	-	6.16%
Details Information based on a mortgage loan to purchase a single-family primary residence located in Maine, with a 60 day rate lock period. APR calculation assumes a $850,000 loan to borrower(s) with excellent credit (including minimum credit score of 760), with a 30% down payment. The estimated monthly payment schedule for this loan would be: 239 payments of $6,151.12 at an interest rate of 6.125%; 1 payment of $6,150.56 at an interest rate of 6.125%. Hazard and, if applicable, flood insurance required. Payments do not include amounts to be held in escrow for taxes and insurance premiums, including mortgage insurance (if applicable); your actual payment obligation may be greater. Information provided is for illustrative purposes. Your actual rate and payment will depend on various factors, including loan product, loan amount, credit profile, property value, occupancy and other factors. This is not a commitment to lend. Rates, terms and fees subject to change without notice. Last Updated 04/24/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Jumbo 15 Year Fixed Rate	6.13%	-	6.17%
Details Information based on mortgage loan to purchase a single-family primary residence located in Maine, with a 60 day rate period. APR calculation assumes a $850,000 loan to borrower(s) with excellent credit (including minimum credit score of 790), with a 30% down payment. The estimated monthly payment schedule for this loan would be: 179 payments of $7,230.31 at an interest rate of 6.125%; 1 payment of $7,231.09 at an interest rate of 6.125%. Hazard and, if applicable, flood insurance required. Payments do not include amounts to be held in escrow for taxes and insurance premiums, including mortgage insurance (if applicable); your actual payment obligation may be greater. Information provided is for illustrative purposes. Your actual rate and payment will depend on various factors, including loan product, loan amount, credit profile, property value, occupancy and other factors. This is not a commitment to lend. Rates, terms and fees subject to chance without notice. Last Updated 04/24/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Jumbo 30 Year Fixed Rate	6.38%	-	6.40%
Details Information based on a mortgage loan to purchase a single-family primary residence located in Maine, with a 60 day rate lock period. APR calculation assumes a $900,000 loan to borrower(s) with excellent credit (including minimum credit score of 760), with a 30% down payment. The estimated monthly payment schedule for this loan would be: 359 payments of $5,614.83 at an interest rate of 6.375%; 1 payment of $5,613.60 at an interest rate of 6.375%. Hazard and, if applicable, flood insurance required. Payments do not include amounts to be held in escrow for taxes and insurance premiums, including mortgage insurance (if applicable); your actual payment obligation may be greater. Information provided is for illustrative purposes. Your actual rate and payment will depend on various factors, including loan product, loan amount, credit profile, property value, occupancy and other factors. This is not a commitment to lend. Rates, terms and fees subject to change without notice. Last Updated 04/24/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
30 Year Fixed Rate-Servicing Released	6.38%	-	6.50%
Details Information based on a mortgage loan to purchase a single-family primary residence located in Maine, with a 60 day rate lock period. APR calculation assumes a $275,000 loan to borrower(s) with excellent credit (including minimum credit score of 770), with a 20% down payment. The estimated monthly payment schedule for this loan would be: 359 payments of $1,715.64 at an interest rate of 6.375%; 1 payment of $1,718.12 at an interest rate of 6.375%. Hazard and, if applicable, flood insurance required. Payments do not include amounts to be held in escrow for taxes and insurance premiums, including mortgage insurance (if applicable); your actual payment obligation may be greater. Information provided is for illustrative purposes. Your actual rate and payment will depend on various factors, including loan product, loan amount, credit profile, property value, occupancy and other factors. This is not a commitment to lend. Rates, terms and fees subject to change without notice. Last Updated 04/24/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%

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.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Kennebunk Savings Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer 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 bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Kennebunk Savings Bank 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 Kennebunk Savings Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Kennebunk Savings Bank

Bank Holding Company KENNEBUNK SAVINGS BCORP MHC

Address 104 Main St, Kennebunk, ME 04043 · York

Website https://www.kennebunksavings.com

FDIC Certificate # 13063

Established 05/01/1871

FDIC Insurance Date 01/01/1934

Domestic Offices 17

Total Branches 17

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.99%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.2051%

Return on Equity (ROE) 2.7600%

Non-Performing Loans (NPL) 0.06%

Total Assets $2,012,440,000

Total Deposits $1,628,202,000

Equity Capital $179,613,000

Net Income $14,613,000

Headquarters Kennebunk

Total Offices 17

Source: FDIC | Last Updated 12/31/2025

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Frequently Asked Questions About Kennebunk Savings Bank

Is Kennebunk Savings Bank a safe place to deposit money?

Yes, Kennebunk Savings Bank is considered a safe financial institution. With a Texas Ratio of 0.98775248084892%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Kennebunk Savings Bank operate?

Kennebunk Savings Bank currently maintains approximately 17 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Kennebunk Savings Bank 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, Kennebunk Savings Bank provides members with tools to manage their accounts and build a solid financial history.

Does Kennebunk Savings Bank offer online and mobile banking?

Most modern institutions like Kennebunk Savings Bank 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.kennebunksavings.com.