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Ksw Credit Union

Overview
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Ksw Credit Union is a federal credit union based in Waterville, Maine. It has been opened since 1954, for 66 years.

With around $65,620,000 in assets, Ksw Credit Union is considered to be a large credit union. It has 2 branches and 4 ATM locations.

About
Address 222 College Avenue
Waterville, Maine 04901
Website https://www.kswfcu.org
Phone (207) 872-5039
Fax (207) 872-5776
CEO Deseree A. Gilman
President of the Board John Picchiotti
Services Offered
Map
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Score Card
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66 years
Years in business
Opened in 1954
Well Capitalized
Net worth classification
Source: NCUA
10,091 members
Membership type: Unknown
Above average number of members
492:1
Credit union member to staff ratio
492 per each FTE employee
Compared to 411:1 nationally
Fewer staff
$65,616,400
Total assets
Above average
2 branches
Compared with an average of 4 nationally and 4 in Maine
Above average number of branches
0.25%
Savings interest rate
Compared to 0.3% nationally
9.75%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches
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2 branches
Compared with an average of 4 nationally and 4 in Maine
Above average number of branches
Ksw Credit Union Branch Locations

Ksw Credit Union: Main Office
222 College Avenue
Waterville, Maine 04901
ATM Available
Ksw Credit Union: Belfast
135 Waldo Avenue
Belfast, Maine 04915
ATM Available
Members
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10,091 members
Membership type: Unknown
Above average number of members

With 10,091 members, the Ksw Credit Union is considered to be a large credit union. It is larger than 71% of credit unions.

Fees
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$35
Average fee per member
The average fee per member at the Ksw Credit Union is $35, which is low compared to most credit unions. This rate is lower than 61% of all credit unions.
Fees are lower than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Ksw Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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492:1
Credit union member to staff ratio
492 per each FTE employee
Compared to 411:1 nationally
Fewer staff
20 staff members
FTE (full-time equivalent)
5% of employees are part-time
20 full-time, 1 part-time

Ksw Credit Union has 20 full-time staff members and 1 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 95% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Ksw Credit Union has around 492 members per staff, a higher ratio compared to other credit unions.

Assets
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$65,616,400
Total assets
Above average
Net worth
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
10.2%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases
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$7,038
Average loan and lease size
Loan & lease sizes are small. They are smaller than at 78% of credit unions.

Ksw Credit Union holds a total of $61,350,000 in loans and leases, which is about $7,038 per member on average.

Savings interest rate
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0.25%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Ksw Credit Union pays 0.25%.

Loan rates
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9.75%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
7.08%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
5.61%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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5.01%
New car loan rate
Compared to 4.0% nationally
5.61%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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5.65%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
4.01%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
5.25%
Other real estate loan rates
Compared to 0.9% nationally
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