KSW Federal Credit Union

Overview / Commentary
222 College Ave
Waterville, ME 04901

KSW Federal Credit Union is headquartered in Waterville and is the 37th largest credit union in the state of Maine. It is also the 1,821st largest credit union in the nation. It was established in 1954 and as of March of 2024, it had grown to 20 employees and 9,644 members at 2 locations. KSW Federal Credit Union's money market rates are 6X 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 Waldo.
See current membership details


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Health Grade Components

NCUA #9943
Year Chartered1954
Primary Regulator
Profit Margin
Return on Assets - YTD1.99%
Return on Equity - YTD16.77%
Annual Interest Income$1.3MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$101MM$97.1MM
LoansQ1 2024vs Q1 2023$81.6MM$82.1MM
DepositsQ1 2024vs Q1 2023$85.5MM$86MM
Equity CapitalQ1 2024vs Q1 2023$11.8MM$9.8MM
Loan Loss AllowanceQ1 2024vs Q1 2023$1.7MM$1.7MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$521K$359K
Real Estate OwnedQ1 2024vs Q1 2023$0$10K
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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

0.75%*$0$25kKasasa Saver
OTHER TIERS: 0.35% $25k+
0.25%$25-IRA Savings
0.25%$0-Christmas 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%*$0$15kKasasa Cash Checking
OTHER TIERS: 0.75% $15k+

KSW Federal Credit Union CD Rates

4.44%$500-24 Month CD
4.07%$500-12 Month CD
4.07%$500-36 Month CD
4.07%$500-48 Month CD
3.82%$500-60 Month CD
3.56%$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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