Ksw

222 COLLEGE AVE, Waterville, ME 04901

NCUA Insured3.9 (25 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1954

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Waterville, ME may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1954

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

222 COLLEGE AVE

Waterville, ME 04901

Google Maps 🗺Waze

(207) 872-5039

Service Area

This credit union is located in Waterville and serves members in the ME area. Currently serving 9,509 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

6.24%

Used Auto Loan

7.39%

Personal Loan

13.34%

Credit Card APR

8.71%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in ME

Lowest rates currently reported by credit unions in ME (NCUA Q4 2025).

Central Maine— New Auto Loan

Lewiston, ME

4.48%

Central Maine— Used Auto Loan

Lewiston, ME

4.48%

Ancorum— Personal Loan

Bath, ME

6.00%

Atlantic Regional— Credit Card APR

South Portland, ME

2.49%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(2 total)

Member Reviews

3.9

25 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Anthony Avery

4 months ago

I wish I could give negative ratings, I strongly recommend not doing business with this place at all.

Nicholas H

a year ago

Small town bank that refuses to do or be anything else. Check from a different bank, denied. Out of state, denied. Wire transfers takes 3 days but the moment I walk in to the bank to see what is going it "it just came through ". Will be closing my 1 week old account, to many headaches.

Casey Vinson

3 years ago

Folks here are generally nice, however, customer service is iffy at best; meaning if you get the right person who had a good breakfast that day and is feeling well you might get some help. Other than that, KSW seems to be about 10-15 years behind larger institutions when it comes to tech capabilities. They are antiquated to say the least. I have moved out of state, still need to maintain an account there, and now have to deal with them remotely which complicates things even farther. They seem to be an ok fit for the older generations, not so much for tech savvy youngsters.

Nick MAINE

6 years ago

I wish I could give these guys less then a 1 star rating. They refused to help me at all when I was fraudulently charged. The customer service manager told me she did not care about me service with them over the last 20 years. Then proceeded to hang the phone up on me in mid conversation. I will be reporting these guys to the BBB and I DO NOT RECOMMEND ANYONE BANK AT THIS INSTITUTION!!

Dan Khosti

2 years ago

STAY AWAY FROM THIS BANK.... Limits my account to $100 withdrawls with no explanation. There is ZERO tech support on weekends, we cant even log into their website and the atm will not display our balance. Not reassuring when your bank holds thousands of dollars of your money hostage with no explanation. This is not the first time its happened and when you ask anyone in the bank they have no clue. Will most likely be closing account there soon . Id advise you all to STAY AWAY FROM THIS BANK