KSW Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
2.00%	Reward Checking	Kasasa Cash Checking 1.92% - National Average
0.75%	Reward Savings	Kasasa Saver 0.86% - National Average
2.00%	5-year CD	60 Month CD 2.50% - Ally Bank High Yield 5 Year CD

View all KSW Federal Credit Union rates »

Overview / Commentary

www.kswfcu.org

207-338-5160

222 College Ave
Waterville, ME 04901-6226

KSW Federal Credit Union is headquartered in Waterville and is the 41^st largest credit union in the state of Maine. It is also the 2,112^th largest credit union in the nation. It was established in 1954 and as of December of 2017, it had grown to 19 employees and 9,896 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 Q4 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	19
Primary Regulator

Profit Margin
Return on Assets - YTD	0.56%
Return on Equity - YTD	5.88%
Annual Interest Income	$2.5MM

Assets and Liabilities
Assets	Q4 2017vs Q4 2016	$60.8MM$56.4MM
Loans	Q4 2017vs Q4 2016	$55.8MM$51.0MM
Deposits	Q4 2017vs Q4 2016	$53.9MM$50.5MM
Equity Capital	Q4 2017vs Q4 2016	$5.7MM$5.4MM
Loan Loss Allowance	Q4 2017vs Q4 2016	$522.00K$393.00K
Unbacked Noncurrent Loans	Q4 2017vs Q4 2016	$369.00K$269.00K
Real Estate Owned	Q4 2017vs Q4 2016	$4.00K$125.00K

Rates

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Savings
Money Market
Checking
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
0.75%^*	-	$25k	Kasasa Saver
OTHER TIERS: 0.35% → $25k+
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 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
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
1.25%	$500	-	18 Month IRA Special (New Money Only)
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

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