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Overview / Commentary
222 College Ave
Waterville, ME 04901-6226

KSW Federal Credit Union is headquartered in Waterville and is the 42nd largest credit union in the state of Maine. It is also the 2,156th largest credit union in the nation. It was established in 1954 and as of June of 2017, it had grown to 20 employees and 9,630 members at 2 locations. KSW Federal Credit Union's money market rates are 14% 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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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 - YTD0.65%
Return on Equity - YTD6.83%
Annual Interest Income$1.2MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$59.4MM$57.3MM
LoansQ2 2017vs Q2 2016$53.0MM$49.9MM
DepositsQ2 2017vs Q2 2016$54.0MM$49.8MM
Equity CapitalQ2 2017vs Q2 2016$5.7MM$5.5MM
Loan Loss AllowanceQ2 2017vs Q2 2016$443.00K$376.00K
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$326.00K$339.00K
Real Estate OwnedQ2 2017vs Q2 2016$5.00K$5.00K
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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

0.76%--IRA Savings Account
0.25%$25-Share Savings Account
0.25%$25-Club Account
0.25%--Youth Savings Account

KSW Federal Credit Union Money Market Rates

0.50%*$50k*-Money Market Account
OTHER TIERS: 0.30% $2k - $25k | 0.40% $25k - $50k

KSW Federal Credit Union CD Rates

2.00%$500-60 Month CD
1.51%$500-48 Month CD
1.26%$500-36 Month CD
1.25%$500-18 Month CD Special (New Money Only)
1.10%$500-24 Month CD
0.65%$500-12 Month CD
0.35%$500-6 Month CD

KSW Federal Credit Union IRA Rates

2.00%$500-60 Month IRA Certificate
1.51%$500-48 Month IRA Certificate
1.26%$500-36 Month IRA Certificate
1.25%$500-18 Month IRA Special (New Money Only)
1.10%$500-24 Month IRA Certificate
0.65%$500-12 Month IRA Certificate
0.35%$500-6 Month IRA Certificate

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