Business Details
50+ Years
experience
Your Trusted Partner for Financial Solutions in Waterville, ME
Founded in 1954, KSW Federal Credit Union has served central and coastal Maine communities for over seven decades. Our history began with a vision to provide accessible financial solutions to Keyes Fibre Company employees, evolving into a community-focused institution serving Kennebec, Somerset, and Waldo counties. We combine deep local expertise with modern financial tools, offering personalized banking services, competitive loan programs, and educational initiatives like our Monty Moose youth savings program.Our team of experienced professionals maintains a commitment to financial literacy, community development, and member-centric service. With two full-service branches and 24/7 digital banking capabilities, we deliver comprehensive financial solutions while maintaining the personal touch that defines credit union values. Our NCUA federal insurance and participation in nationwide shared branching networks ensure both security and convenience for our members.
Services
Checking Accounts
Savings Accounts
Auto Loans
Mortgage Loans
Credit Cards
Financial Planning
Online Banking
Mobile Deposit
Business Banking
Share Certificates
Details
- Year established: 1954
Highlights and features
- We offer 70+ years of community banking expertise in central and coastal Maine
- Our Monty Moose program teaches financial literacy to children aged 12 and under
- 24/7 online and mobile banking with remote deposit capture capabilities
- Access to 5,400+ shared branching locations nationwide through Co-op Shared Branching
- Competitive share certificate rates with terms from 6 months to 5 years
Associations and certifications
- NCUA
Services
Kasasa Cash Checking
This high-yield checking account offers 4.00% APY on balances up to $15,000 with monthly ATM fee refunds. No minimum balance required to earn rewards while maintaining unlimited transactions and no monthly maintenance fees. Designed for members seeking maximum return on everyday banking activities while maintaining full account flexibility.
Share Certificates
Fixed-rate share certificates with terms from 6 months to 5 years provide secure investment options. Minimum $500 deposits earn competitive dividends with guaranteed returns through maturity. Ideal for members seeking predictable growth with principal protection through NCUA federal insurance.
Financial Planning
Personalized financial planning services through partnership with Northeast Planning Associates. Certified professionals offer comprehensive strategies for retirement, estate planning, tax reduction, and investment management. Available to all members seeking to optimize their financial future through expert guidance.
Business Banking
Tailored business banking solutions including commercial mortgages, equipment financing, and lines of credit. Features free business Visa cards, no-fee check deposits, and 24/7 online banking. Designed to support local businesses with flexible lending options and dedicated financial expertise.
Monty Moose Program
Educational savings program for children aged 12 and under with $5 minimum deposits. Earns Monty Moose Bucks redeemable for educational rewards while developing financial literacy. Includes birthday bonuses and annual youth week celebrations to make saving fun and engaging.
People
Zack Longley
Financial Consultant
With Northeast Planning Associates, Zack provides comprehensive financial planning services to KSW members. He specializes in retirement strategies, estate planning, and investment management while maintaining local accessibility for personalized consultations.
Questions
What areas does KSW Federal Credit Union serve?
We serve all of Kennebec and Somerset counties, plus Waldo County including Belfast, Thorndike, and Unity areas.
How can I access my account after hours?
Our 24/7 online and mobile banking platforms allow account access anytime, anywhere with remote deposit capture capabilities.
Do you offer business banking services?
Yes, we provide commercial mortgages, equipment financing, business checking, and specialized lending solutions for local businesses.
What youth financial programs are available?
Our Monty Moose program teaches financial literacy to children under 12 with educational rewards and special youth week events.
How do I report a lost debit card?
Call 800-472-3272 immediately for lost/stolen debit card reporting and replacement assistance.
What loan options are available for first-time homebuyers?
We offer competitive mortgage programs including conventional loans, FHA options, and down payment assistance programs for qualified applicants.
