Kennebec Federal Savings, also known as KFS, is a customer-owned financial institution that offers a range of personal banking services for individuals and families. Established in 1936, the company provides debit and ATM cards. It deals in adjustable- and fixed-rate residential mortgages. The company offers construction, mobile home and land loans. It provides loans for seasonal and investment properties. The company also offers consumer, automobile and recreational vehicle loans. It provides online banking services that enable customers to check their balance and transaction history. The company additionally participates in various community welfare programs. Kennebec Federal Savings maintains a presence in Waterville, Maine. .