MonitorBankRates
☰
  1. Home›
  2. Credit Unions›
  3. KSW Federal Credit Union
iAdvertiser Disclosure
Advertiser Disclosure Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.

KSW Federal Credit Union Rates & Review April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated: April 23, 2026

You can compare KSW Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 1.26%, 6-month share certificate rates at 3.00% and 3-month share certificate rates at 0.10%. Savings rates are at 0.20% and money market rates are at 0.50%. Mortgage rates on 30-year fixed loans are around 6.00%. All these rates can be compared to KSW Federal Credit Union rates. MonitorBankRates evaluates the financial stability of KSW Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.35%. Rates were last updated on 04/23/2026.

KSW Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at KSW Federal Credit Union? Share your experience about KSW Federal Credit Union by leaving a review below, or read customer reviews before you decide to use KSW Federal Credit Union.

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
4.35%
Excellent Lower than avg
KSW Federal Credit Union
Main Office
222 College Ave
Waterville, ME 04901 6226
https://www.kswfcu.org
Member NCUA

Current Rate Availability

We do not have KSW Federal Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for KSW Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather KSW Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with KSW Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name KSW Federal Credit Union
Website https://www.kswfcu.org
Address 222 College Ave, Waterville, ME 04901 6226
Phone 207-872-5039
Fax 207-872-5776
President John Picchiotti
CEO Deseree Gilman
Full-Time Employees 20
Part-Time Employees 0
Branch Locations 2
ATM Locations 3
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.35%
Return on Assets (ROA)
1.6228%
Return on Equity (ROE)
11.0860%
Non-Performing Loans Ratio (NPL)
0.79%
Total Assets
109,552,123
Total Amount of Shares and Deposits
93,704,538
Total Shares and Deposits < 1 Year
84,248,671
Total Shares and Deposits 1 3 Years
8,998,792
Total Shares and Deposits > 3 Years
457,073
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
5,610,309
Total Uninsured Shares and Deposits > $250K (F+J)
5,610,309
Total Insured Shares and Deposits > $250K (item 17 less item K)
88,094,229
Total Interest Expense (Sum of items 6 8)
865,289
Share Certificates
788
Number of Accounts for Share Drafts
4,848
IRA KEOGH Accounts
375
Number of Accounts for Regular Shares
13,483
Money Market Shares
173
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
8,601,096
Total Liabilities
94,085,328
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for KSW Federal Credit Union yet. Feel free to create one below.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for KSW Federal Credit Union
Your Name:
Your Rating:

Frequently Asked Questions About KSW Federal Credit Union

Is KSW Federal Credit Union a safe place to deposit money?

Yes, KSW Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 4.3518315972634%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does KSW Federal Credit Union operate?

KSW Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join KSW Federal Credit Union?

Yes, to access services at KSW Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, KSW Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, KSW Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does KSW Federal Credit Union offer online and mobile banking?

Most modern institutions like KSW Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.kswfcu.org.

Compare to Other Credit Unions

Utah Power Credit Union Woodmen Federal Credit Union Air Academy Federal Credit Union Watertown Municipal Credit Union Agriculture Federal Credit Union ABYSSINIAN BAPTIST CHURCH Advance Financial Federal Credit Union Garden City Teachers Federal Credit Union Hopewell Federal Credit Union Trinity Valley Teachers Credit Union UP CONNECTION Topeka Firemens Credit Union PROFINANCE Fellowship Baptist Church Credit Union Local 50 Plumbers & Steamfitters Federal Credit Union First Imperial Credit Union Triangle Credit Union Cedar Falls Community Credit Union Partners Financial Federal Credit Union Missouri Baptist Credit Union Star Of Texas Credit Union