KSW Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	HOW THEY COMPARE
2.00%	Reward Checking	2.15% - National Average
0.75%	Reward Savings	0.98% - National Average
2.63%	5-year CD	3.10% - Barclays 60 Month Online CD

View all KSW Federal Credit Union rates »

Overview / Commentary

www.kswfcu.org

207-872-5602

222 College Ave
Waterville, ME 04901-6226

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 2,030^th largest credit union in the nation. It was established in 1954 and as of December of 2018, it had grown to 20 employees and 10,091 members at 2 locations. KSW Federal Credit Union's CD rates are 68% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship, volunteer or attend school in Kennebec or Somerset County or select towns of Waldo County (Belmont, Brooks, Jackson, Knox, Liberty, Monroe, Montville, Morrill, Searsmont, Swanville or Waldo).
See current membership details

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Health

Data as of Q4 2018

Learn why bank health matters

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	0.73%
Return on Equity - YTD	7.8%
Annual Interest Income	$2.9MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$65.6MM$60.8MM
Loans	Q4 2018vs Q4 2017	$61.4MM$55.8MM
Deposits	Q4 2018vs Q4 2017	$52.4MM$53.9MM
Equity Capital	Q4 2018vs Q4 2017	$6.1MM$5.7MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$711.00K$522.00K
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$622.00K$369.00K
Real Estate Owned	Q4 2018vs Q4 2017	$0$4.00K

Rates

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Savings
Checking
CD

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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

APY	MIN	MAX	ACCOUNT NAME
0.76%	$25	-	IRA Savings
0.75%^*	-	$25k	Kasasa Saver
OTHER TIERS: 0.35% → $25k+
0.25%	$25	-	Share Savings
0.25%	$25	-	Club Accounts
0.25%	$5	-	Youth Accounts

KSW Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.00%^*	-	$15k	Kasasa Cash Checking
OTHER TIERS: 0.48% → $15k+

KSW Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.63%	$500	-	60 Month CD
2.43%	$500	-	48 Month CD
2.27%	$500	-	36 Month CD
2.02%	$500	-	24 Month CD
1.51%	$500	-	12 Month CD
1.21%	$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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