KSW Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

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 37^th largest credit union in the state of Maine. It is also the 1,788^th largest credit union in the nation. It was established in 1954 and as of March of 2025, it had grown to 20 employees and 9,540 members at 2 locations. KSW Federal Credit Union's money market rates are 6X the national average, and it boasts an A+ 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 Waldo.
See current membership details

Reviews

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Health

A+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	9943
Year Chartered	1954
Employees	20
Primary Regulator

Profit Margin
Return on Assets - YTD	1.9%
Return on Equity - YTD	13.66%
Annual Interest Income	$1.5MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$105.3MM$101MM
Loans	Q1 2025vs Q1 2024	$85.8MM$81.6MM
Deposits	Q1 2025vs Q1 2024	$90.8MM$85.5MM
Equity Capital	Q1 2025vs Q1 2024	$14.2MM$11.8MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$1.8MM$1.7MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$279K$521K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

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
0.75%^*	$0	$25k	Kasasa Saver
OTHER TIERS: 0.35% → $25k+
0.25%	$0	-	Christmas Club

KSW Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.53%^*	$50k^*	-	Money Market
OTHER TIERS: 2.02% → $2k - $25k \| 2.27% → $25k - $50k

KSW Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
4.00%^*	$0	$15k	Kasasa Cash Checking
OTHER TIERS: 0.75% → $15k+

KSW Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.07%	$500	-	12 Month CD
4.02%	$500	-	24 Month CD
3.56%	$500	-	6 Month CD
3.56%	$500	-	36 Month CD
3.30%	$500	-	48 Month CD
3.04%	$500	-	60 Month CD

KSW Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%	$25	-	IRA Savings

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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