222 College Ave
Waterville, ME 04901
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.15% 0.65% →
1-Year CD 0.75% 0.70% →
2-Year CD 1.01% 0.75% →
5-Year CD 1.26% 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Ksw is an NCUA insured institution located in Waterville, ME. It was founded in 1954 and has approximately $86.14 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 9943
Date Established 1954
Assets $86.14 million
Loans $61.37 million
Deposits $78.66 million
Capital $8.12 million

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).

Deposit Rates - May 16, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.15% $2,500 $4,999 Learn More
Money Market
0.15% $2,500 $2,999 Learn More
Money Market
0.15% $10,000 $14,999 Learn More
Money Market
0.20% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.65% $10,000 $14,999 Learn More
6 Mo CD
0.65% $100,000 $199,999 Learn More
12 Mo CD
0.75% $10,000 $14,999 Learn More
12 Mo CD
0.75% $100,000 $199,999 Learn More
24 Mo CD
1.01% $10,000 $14,999 Learn More
24 Mo CD
1.01% $100,000 $199,999 Learn More
36 Mo CD
1.16% $10,000 $14,999 Learn More
36 Mo CD
1.16% $100,000 $199,999 Learn More
48 Mo CD
1.21% $10,000 $14,999 Learn More
48 Mo CD
1.21% $100,000 $199,999 Learn More
60 Mo CD
1.26% $10,000 $14,999 Learn More
60 Mo CD
1.26% $100,000 $199,999 Learn More

Loan Rates - May 16, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for KSW

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
3.368% 3.250% 1.00 $3,750 $1,089 Learn More
CIT Bank
NMLS ID: 541760
2.989% 2.950% 0.50 $1,242 $1,048 Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
2.761% 2.750% 0.13 $342 $1,021 Learn More
Morty, Inc.
NMLS ID: 1429243
2.593% 2.500% 0.88 $3,082 $988 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR
1.990 %
After Intro: 4.700 %
Intro Period: 12 months
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to KSW
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Below are Ksw branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Financial Details

Ksw Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Ksw. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Ksw U.S. Average
8.29% 5.40

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2020, Ksw had $719,377 in non-current loans and $19,600 in owned assets. To cover these potential losses it had $8,120,602 in net worth and $789,583 in loans loss reserves. That gives it a Texas Ratio of 8.29%.

Net Worth
Ksw U.S. Average
9.42% 12.67%

Ksw FCU has a net worth of 9.42% versus the BestCashCow average of 12.67. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Ksw

Branches and Savings

What is Ksw?

A federal credit union, registered with the NCUA under certificate #9943.
Learn more about credit unions here.

Is Ksw FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Ksw is insured by the NCUA.

Who can join Ksw?

Please see Field of Membership information above for information on who is eligible to join.

What are Ksw's share account and share certificate rates?

Ksw's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Ksw?

Ksw has total capital of $8.12 million. Full information on Ksw's financial position is located above.

Who owns Ksw?

Credit Unions are owned by their members.

Where are Ksw branches located?

See branch locations nearby.

Are Ksw ATMs Open 24/7?

Do Ksw ATMs accept cash deposits?

Can Ksw customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Ksw have a mobile app?

Does Ksw have mobile deposit?

Does Ksw have quick pay?

How can Ksw transfer money to other banks or credit unions?

Does Ksw report to credit bureaus?

Does Ksw use Chexsystems?

Does Ksw use Equifax?

What is Ksw's toll free phone number?

What is Ksw's ACH Routing Number?

What is Ksw's SWIFT code?

Where can I find Ksw's wire transfer form?

What is the Ksw address for deposits?

What Products Does Ksw Offer

Does Ksw offer mortgages?

Compare mortgage rates here.

Does Ksw offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Ksw offer auto and RV loans?

Compare auto loan rates here.

Does Ksw offer student loans or personal loans?

Compare personal loan rates here.

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