KSW Federal Credit Union

Overview / Commentary
222 College Ave
Waterville, ME 04901

KSW Federal Credit Union is headquartered in Waterville and is the 38th largest credit union in the state of Maine. It is also the 1,875th largest credit union in the nation. It was established in 1954 and as of June of 2023, it had grown to 20 employees and 9,786 members at 2 locations. KSW Federal Credit Union's money market rates are 6X the national average, and it 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 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 - YTD1.67%
Return on Equity - YTD15.61%
Annual Interest Income$2.2MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$95.1MM$100.5MM
LoansQ2 2023vs Q2 2022$82.3MM$78.3MM
DepositsQ2 2023vs Q2 2022$83.6MM$91.5MM
Equity CapitalQ2 2023vs Q2 2022$10.3MM$8.7MM
Loan Loss AllowanceQ2 2023vs Q2 2022$0$1.4MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$876.00K$394.00K
Real Estate OwnedQ2 2023vs Q2 2022$0$0
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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

2.53%*$50k*-Money Market
OTHER TIERS: 2.02% $2k - $25k | 2.27% $25k - $50k

KSW Federal Credit Union Checking Account Rates

4.00%*-$15kKasasa Cash Checking
OTHER TIERS: 0.74% $15k+

KSW Federal Credit Union CD Rates

4.07%$500-24 Month CD
3.56%$500-12 Month CD
3.29%$500-36 Month CD
3.29%$500-48 Month CD
3.29%$500-60 Month CD
2.79%$500-6 Month CD
2.53%$500-9 Month CD Special

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

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