KSW Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
2.00%	5-year CD	60 Month CD 2.35% - Synchrony Bank 60 Month CD
0.65%	1-year CD	12 Month CD 1.40% - Synchrony Bank 12 Month CD
0.25%	Savings	Share Savings Account 1.15% - CIT Bank Spring Savings

View all KSW Federal Credit Union rates »

Overview / Commentary

www.kswfcu.org

800-924-5454

222 College Ave
Waterville, ME 04901-6226

KSW Federal Credit Union is headquartered in Waterville and is the 42^nd largest credit union in the state of Maine. It is also the 2,162^nd largest credit union in the nation. It was established in 1954 and as of March of 2017, it had grown to 20 employees and 9,497 members at 2 locations. KSW Federal Credit Union's money market rates are 14% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship, volunteer or attend school in Kennebec or Somerset County or select towns of Waldo County (Belmont, Brooks, Jackson, Knox, Liberty, Monroe, Montville, Morrill, Searsmont, Swanville or Waldo).
See current membership details

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Health

B+

Data as of Q1 2017

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. KSW Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #	9943
Year Chartered	1954
Employees	20
Primary Regulator

Profit Margin
Return on Assets - YTD	0.68%
Return on Equity - YTD	7.07%
Annual Interest Income	$584.00K

Assets and Liabilities
Assets	Q1 2017vs Q1 2016	$59.3MM$55.7MM
Loans	Q1 2017vs Q1 2016	$51.2MM$47.9MM
Deposits	Q1 2017vs Q1 2016	$53.8MM$49.8MM
Equity Capital	Q1 2017vs Q1 2016	$5.5MM$5.4MM
Loan Loss Allowance	Q1 2017vs Q1 2016	$429.00K$359.00K
Unbacked Noncurrent Loans	Q1 2017vs Q1 2016	$137.00K$313.00K
Real Estate Owned	Q1 2017vs Q1 2016	$25.00K$0

Rates

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Savings
Money Market
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

KSW Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.76%	-	-	IRA Savings Account
0.25%	$25	-	Share Savings Account
0.25%	$25	-	Club Account
0.25%	-	-	Youth Savings Account

KSW Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%^*	$50k^*	-	Money Market Account
OTHER TIERS: 0.30% → $2k - $25k \| 0.40% → $25k - $50k

KSW Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.00%	$500	-	60 Month CD
1.51%	$500	-	48 Month CD
1.26%	$500	-	36 Month CD
1.25%	$500	-	18 Month CD Special (New Money Only)
1.10%	$500	-	24 Month CD
0.65%	$500	-	12 Month CD
0.35%	$500	-	6 Month CD

KSW Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.00%	$500	-	60 Month IRA Certificate
1.51%	$500	-	48 Month IRA Certificate
1.26%	$500	-	36 Month IRA Certificate
1.10%	$500	-	24 Month IRA Certificate
0.65%	$500	-	12 Month IRA Certificate
0.35%	$500	-	6 Month IRA Certificate

Locations

KSW Federal Credit Union Locations
Branch Office	135 Waldo Ave	Belfast, ME 04915-6909
Branch Office	222 College Ave	Waterville, ME 04901-6226