|
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 August 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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 →
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 and Verified: August 28, 2026
KSW Federal Credit Union's 12 month CD rates are at 3.82%, 24 month CD rates are at 3.67%, 6 month CD rates are at 3.56%, 48 month CD rates are at 3.30%, 60 month CD rates are at 3.04%. KSW Federal Credit Union's savings rates are at 0.05%. KSW Federal Credit Union's money market rates are at 2.02%. KSW Federal Credit Union's Personal Loan Rates are at 4.74%. 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 3.91%. Rates last updated and verified on 08/28/2026. 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. 
KSW Federal Credit Union CD Rates
KSW Federal Credit Union Savings Rates
KSW Federal Credit Union Money Market Rates
KSW Federal Credit Union Auto Loan Rates
Methodology & Data SourcesMonitorBankRates 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
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.91%
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
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
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.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for KSW Federal Credit Union
Frequently Asked Questions About KSW Federal Credit UnionHow 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. Current KSW Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Northern Colorado Credit Union
Elite Community Credit Union
Community Resource Federal Credit Union
Chicagos Bravest Credit Union
Pathfinder Federal Credit Union
Lake County Educational Federal Credit Union
Trumbull Credit Union
Inland Valley Federal Credit Union
PIAS Credit Union
Fortera Federal Credit Union
Travis County Credit Union
Central Jersey Federal Credit Union
GNC Community Federal Credit Union
B&V Credit Union
Savannah Schools Federal Credit Union
First Missouri Credit Union
TULARE COUNTY
Cove Federal Credit Union
United Texas Credit Union
Metro Community Federal Credit Union
STAR TECH
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
