KSW Federal Credit Union

Overview / Commentary
222 College Ave
Waterville, ME 04901

KSW Federal Credit Union is headquartered in Waterville and is the 35th largest credit union in the state of Maine. It is also the 1,838th largest credit union in the nation. It was established in 1954 and as of September of 2022, it had grown to 19 employees and 9,940 members at 2 locations. KSW Federal Credit Union's money market rates are 3X the national average, and it has 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 select towns in Waldo County (Belfast, Belmont, Brooks, Jackson, Knox, Liberty, Monroe, Montville, Morrill, Searsmont, Swanville, Thorndike, Unity, and Waldo).
See current membership details


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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

NCUA #9943
Year Chartered1954
Primary Regulator
Profit Margin
Return on Assets - YTD1.31%
Return on Equity - YTD14.27%
Annual Interest Income$2.8MM
Assets and Liabilities
AssetsQ3 2022vs Q3 2021$99.1MM$94.9MM
LoansQ3 2022vs Q3 2021$82.2MM$67.8MM
DepositsQ3 2022vs Q3 2021$89.6MM$86.7MM
Equity CapitalQ3 2022vs Q3 2021$9.2MM$8.1MM
Loan Loss AllowanceQ3 2022vs Q3 2021$1.5MM$1.1MM
Unbacked Noncurrent LoansQ3 2022vs Q3 2021$297.00K$302.00K
Real Estate OwnedQ3 2022vs Q3 2021$0$10.00K
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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

0.75%*-$25kKasasa 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

1.51%*$50k*-Money Market
OTHER TIERS: 1.00% $2k - $25k | 1.26% $25k - $50k

KSW Federal Credit Union Checking Account Rates

2.00%*-$15kKasasa Cash Checking
OTHER TIERS: 0.48% $15k+

KSW Federal Credit Union CD Rates

3.29%$500-24 Month CD
3.29%$500-36 Month CD
3.29%$500-48 Month CD
3.29%$500-60 Month CD
2.53%$500-9 Month CD Special
2.27%$500-12 Month CD
2.02%$500-6 Month CD

KSW Federal Credit Union Locations
Branch Office135 Waldo AveBelfast, ME 04915-6909
Branch Office222 College AveWaterville, ME 04901-6226

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