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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 36th largest credit union in the state of Maine. It is also the 1,912th largest credit union in the nation. It was established in 1954 and as of December of 2020, it had grown to 19 employees and 9,900 members at 2 locations. KSW Federal Credit Union 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 2020

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 Chartered1954
Employees19
Primary Regulator
Profit Margin
Return on Assets - YTD0.97%
Return on Equity - YTD11.08%
Annual Interest Income$3.2MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$86.1MM$68.1MM
LoansQ4 2020vs Q4 2019$61.4MM$60.3MM
DepositsQ4 2020vs Q4 2019$78.7MM$60.6MM
Equity CapitalQ4 2020vs Q4 2019$7.2MM$6.6MM
Loan Loss AllowanceQ4 2020vs Q4 2019$790.00K$770.00K
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$601.00K$367.00K
Real Estate OwnedQ4 2020vs Q4 2019$10.00K$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.76%--Holiday Club
0.75%*-$25kKasasa Saver
OTHER TIERS: 0.35% → $25k+
0.25%$25-IRA Savings
0.05%$25-Share Savings
0.05%$25-All-Purpose Club
0.05%$5-Youth Accounts

KSW Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$50k*-Money Market
OTHER TIERS: 0.15% → $2k - $25k | 0.20% → $25k - $50k

KSW Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%*-$15kKasasa Cash Checking
OTHER TIERS: 0.48% → $15k+

KSW Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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 Office135 Waldo AveBelfast, ME 04915-6909
Branch Office222 College AveWaterville, ME 04901-6226

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