KSW Federal Credit Union

Overview / Commentary

www.kswfcu.org

207-872-5602

222 College Ave
Waterville, ME 04901

KSW Federal Credit Union is headquartered in Waterville and is the 35^th largest credit union in the state of Maine. It is also the 1,870^th largest credit union in the nation. It was established in 1954 and as of March of 2021, it had grown to 19 employees and 9,818 members at 2 locations. KSW Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership in KSW Credit Union is open to those who live, work, worship, volunteer, or attend school in the Maine counties of Kennebec or Somerset, or select towns in Waldo County (Belfast, Belmont, Brooks, Jackson, Knox, Liberty, Monroe, Montville, Morrill, Searsmont, Swanville, Thorndike, Unity, and Waldo).
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Health

B+

Data as of Q1 2021

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	19
Primary Regulator

Profit Margin
Return on Assets - YTD	0.76%
Return on Equity - YTD	9.15%
Annual Interest Income	$784.00K

Assets and Liabilities
Assets	Q1 2021vs Q1 2020	$93.4MM$71.9MM
Loans	Q1 2021vs Q1 2020	$62.3MM$59.7MM
Deposits	Q1 2021vs Q1 2020	$85.6MM$65.3MM
Equity Capital	Q1 2021vs Q1 2020	$7.5MM$6.8MM
Loan Loss Allowance	Q1 2021vs Q1 2020	$863.00K$724.00K
Unbacked Noncurrent Loans	Q1 2021vs Q1 2020	$231.00K$324.00K
Real Estate Owned	Q1 2021vs Q1 2020	$10.00K$0

Rates

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Savings
Money Market
Checking
CD

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Always verify rates and promotions with the bank or credit union. We are not KSW Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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
0.75%^*	-	$25k	Kasasa Saver
OTHER TIERS: 0.35% → $25k+
0.25%	$25	-	IRA Savings
0.25%	-	-	Holiday Club
0.05%	$25	-	Share Savings
0.05%	$25	-	All-Purpose Club
0.05%	$5	-	Youth Accounts

KSW Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%^*	$50k^*	-	Money Market
OTHER TIERS: 0.15% → $2k - $25k \| 0.20% → $25k - $50k

KSW Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.00%^*	-	$15k	Kasasa Cash Checking
OTHER TIERS: 0.48% → $15k+

KSW Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.75%	$500	-	60 Month CD
0.65%	$500	-	48 Month CD
0.55%	$500	-	36 Month CD
0.45%	$500	-	24 Month CD
0.35%	$500	-	12 Month CD
0.25%	$500	-	6 Month CD

Locations

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

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