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 38^th largest credit union in the state of Maine. It is also the 1,875^th 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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Health

Data as of Q2 2023

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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

Overall
NCUA #	9943
Year Chartered	1954
Employees	20
Primary Regulator

Profit Margin
Return on Assets - YTD	1.67%
Return on Equity - YTD	15.61%
Annual Interest Income	$2.2MM

Assets and Liabilities
Assets	Q2 2023vs Q2 2022	$95.1MM$100.5MM
Loans	Q2 2023vs Q2 2022	$82.3MM$78.3MM
Deposits	Q2 2023vs Q2 2022	$83.6MM$91.5MM
Equity Capital	Q2 2023vs Q2 2022	$10.3MM$8.7MM
Loan Loss Allowance	Q2 2023vs Q2 2022	$0$1.4MM
Unbacked Noncurrent Loans	Q2 2023vs Q2 2022	$876.00K$394.00K
Real Estate Owned	Q2 2023vs Q2 2022	$0$0

Rates

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Savings
Money Market
Checking
CD

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Always verify rates and promotions with the bank or credit union. We are not KSW Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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%^*	-	$25k	Kasasa 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

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%^*	-	$15k	Kasasa Cash Checking
OTHER TIERS: 0.74% → $15k+

KSW Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
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

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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