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 35^th largest credit union in the state of Maine. It is also the 1,860^th largest credit union in the nation. It was established in 1954 and as of December of 2021, it had grown to 19 employees and 9,848 members at 2 locations. KSW Federal Credit Union 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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Health

Data as of Q4 2021

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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	19
Primary Regulator

Profit Margin
Return on Assets - YTD	1.16%
Return on Equity - YTD	13.57%
Annual Interest Income	$3.3MM

Assets and Liabilities
Assets	Q4 2021vs Q4 2020	$95.6MM$86.1MM
Loans	Q4 2021vs Q4 2020	$69.4MM$61.4MM
Deposits	Q4 2021vs Q4 2020	$87.3MM$78.7MM
Equity Capital	Q4 2021vs Q4 2020	$8.1MM$7.2MM
Loan Loss Allowance	Q4 2021vs Q4 2020	$1.1MM$790.00K
Unbacked Noncurrent Loans	Q4 2021vs Q4 2020	$272.00K$601.00K
Real Estate Owned	Q4 2021vs Q4 2020	$10.00K$10.00K

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
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
0.25%^*	$50k^*	-	Money Market
OTHER TIERS: 0.15% → $2k - $25k \| 0.20% → $25k - $50k

KSW Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.00%	-	$15k	Kasasa Cash Checking

KSW Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
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 Office	135 Waldo Ave	Belfast, ME 04915-6909
Branch Office	222 College Ave	Waterville, ME 04901-6226

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