Ksw Credit Union Belfast ME | Affordable Auto Loans & Personal Banking

Introduction

Welcome to Ksw, your trusted financial partner in the heart of Belfast, ME. Located at 135 Waldo Ave, we have been proudly serving our community since 1954. With a rich history of member-focused service and a commitment to helping you achieve your financial goals, we've grown to support over 9,597 members with a total asset base of $95,920,455. At Ksw, we believe that every member deserves personalized attention and reliable financial solutions. Our offerings range from everyday banking services like checking and savings accounts to auto loans, mortgages, and even business banking options. We understand that each financial journey is unique, which is why our dedicated team is here to guide you every step of the way. In addition to our robust services, we boast impressive financial strength with total deposits reaching $1,403,493 and a net worth of $13,749,072. This means when you choose us for your banking needs, you're partnering with a solid institution that prioritizes your well-being. While members can visit us at our physical location in Belfast for assistance or transactions, official correspondence should be sent to the same address: 135 Waldo Ave, Belfast, ME 04915-6909. Our friendly staff is available Monday through Friday from 8:00 AM to 5:00 PM, ready to provide you with exceptional service. Led by our passionate CEO, Deseree Gilman, and supported by Board President John Picchiotti, Ksw remains committed to making a positive impact in our community. With a team of 20 employees, we are equipped to ensure that your banking experience is seamless and satisfying. Whether you're looking for competitive loan rates or innovative online banking options like mobile payments and e-statements, Ksw has something for everyone. Don't hesitate to reach out! Give us a call at 207-338-5160 or visit our website at kswfcu.org to explore all we have to offer. Join us today and experience the difference that comes with being part of the Ksw family!

Branch History & Mission

Welcome to Ksw, a credit union with a rich legacy that began in 1954 in the heart of Belfast, ME. Over the years, we have grown alongside our community, serving as a trusted financial partner for nearly 10,000 members. Our branch is conveniently located at 135 Waldo Ave, making it easy for you to drop by and experience our services firsthand. Ksw started as a small initiative aimed at providing financial solutions that were accessible and affordable. From humble beginnings, we have evolved into a robust institution with total assets of $95,920,455. We take pride in our commitment to helping members achieve their financial goals through personalized service and innovative products. Our mission is simple yet powerful: to provide exceptional financial services while supporting and uplifting our community. We believe that banking should be more than just transactions; it should foster relationships and contribute positively to the lives of our members. Whether it's offering competitive rates on auto loans or providing resources for personal finance management, we strive to make a difference every day. While members can visit us at 135 Waldo Ave, official correspondence should be sent to 135 Waldo Ave, Belfast, ME 04915-6909. Our doors are open Monday through Friday from 8:00 am to 5:00 pm. We also offer convenient ATM access and drive-thru banking for quick transactions. In addition to traditional banking services like checking accounts and savings plans, we focus on enhancing your experience through digital advancements. Members can enjoy online banking, mobile payments, and e-statements all designed with your convenience in mind. At Ksw, we actively engage in community outreach initiatives that reflect our values. We partner with local organizations and support events that aim to improve the quality of life in Belfast and surrounding areas. Our commitment extends beyond finances; we care about the well-being of our members and their families. We invite you to join us at Ksw and discover how we can help you navigate your financial journey with ease and confidence. Become a member today and experience firsthand the benefits of being part of a credit union that truly cares about you! For more information on membership eligibility or to apply for an account, visit our website at kswfcu.org.

Branch Location & Accessibility

Welcome to Ksw! Conveniently located at 135 Waldo Ave Belfast Me 04915 in the heart of beautiful Belfast, ME, our branch is designed to serve you better. Whether you're stopping by for a quick transaction or need assistance with your financial goals, we are here to help. While you can visit us at our main location, please note that any official correspondence should be sent to our mailing address: 135 Waldo Ave, Belfast, ME 04915-6909. Our branch is easily accessible and close to local landmarks, making it simple for you to find us. You can enjoy hassle-free parking right outside, and we have ADA-compliant features to ensure everyone can access our services comfortably. At Ksw, we understand your busy schedule. That's why we're open Monday through Friday from 8:00 am to 5:00 pm, so you can visit us at a time that works best for you. For added convenience, we offer both ATM services and drive-thru banking, allowing you to complete transactions quickly without leaving your vehicle. Our friendly staff is ready to assist you with a range of services including personal banking, auto loans, mortgage refinancing, and much more. If you have any questions or need assistance, don't hesitate to call us at (207) 338-5160. Come visit us today at Ksw, where we prioritize your financial needs in a welcoming environment!

Member Eligibility

At Ksw, we believe that everyone deserves the chance to be part of a supportive and welcoming community. Becoming a member is simple and open to those who live, work, worship, or attend school in our service area. We also welcome family members of existing members, ensuring that you can share the benefits with your loved ones. By joining Ksw, you'll gain access to a variety of financial services tailored to meet your needs while enjoying competitive rates and personalized service. If you're ready to take the next step toward membership, you can find all the details on eligibility at https://kswfcu.org/about/membership/. Once you're familiar with the criteria, opening an account is straightforward! Just visit us or check out the easy online process for account opening here: https://kswfcu.org/lending/apply-for-a-credit-card/. If you have any questions or need assistance, feel free to call us at (207) 338-5160. We can't wait to welcome you into our community at 135 Waldo Ave Belfast Me 04915!

Business Banking & Commercial Services

Merchant Services That Work for You

In today's fast-paced market, having reliable payment solutions is crucial. Our merchant services simplify transactions, allowing you to focus on what matters your business. Imagine a busy weekend at your café; with our point-of-sale systems, you can process payments quickly and efficiently, enhancing customer satisfaction while keeping your cash flow steady. Located at 135 Waldo Ave Belfast Me 04915, Belfast, ME, our team is ready to partner with you for success. Call us at (207) 338-5160 or visit us during our lobby hours from Monday to Friday, 8:00 AM to 5:00 PM. Let's work together to turn your business dreams into reality!

Tailored Loan Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $1 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $53,896, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Services

For our business members, we understand the importance of having reliable financial support. Our business banking services, including merchant services and business loans, are designed to help your venture thrive. We work closely with local businesses to ensure they have the resources needed for growth.

Credit Cards and Rewards

Who doesn't love rewards? Our credit cards come with rewards programs that allow you to earn points on purchases, which can be redeemed for various perks. This is an excellent way to maximize your spending while enjoying the benefits of being a member of Ksw.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer comprehensive online and mobile banking services that let you manage your accounts anytime, anywhere. With features like ATM access, cash withdrawal services, person-to-person payments, and e-statements, handling your finances has never been easier.

Drive-Thru and ATM Services

For those who prefer face-to-face interactions without stepping inside the branch, our drive-thru service allows for simple transactions such as deposits and withdrawals without leaving your car. Plus, our ATMs provide basic access for cash withdrawals and balance checks round-the-clock. At Ksw, we're committed to making your banking experience as smooth as possible. If you'd like to learn more about any of our services or if you're ready to open an account with us, please don't hesitate to contact us at (207) 338-5160 or visit us at Belfast today!

Personal Banking Solutions

Our personal banking services are crafted to help you manage your finances effectively. We provide checking and savings accounts that fit various lifestyles, ensuring that you can easily access your money when you need it. For those planning to buy a car or upgrade their vehicle, our auto loans and vehicle financing options make the process straightforward, with competitive rates tailored to your budget. If homeownership is on your mind, consider our mortgage loans and refinancing options. We guide you through every step, making it easier for you to secure the home of your dreams. Additionally, if you're looking for a way to consolidate debt or cover unexpected expenses, our personal loans offer flexible terms and quick approvals.

Digital & Online Banking

Key Features

Our online banking platform is user-friendly and secure, making it easy for you to keep track of your finances. You can view account balances, transfer funds, and even set up automatic payments all from the comfort of your home or on the go. Plus, with electronic signature authorization, signing important documents has never been easier or more secure. For those who prefer going paperless, we offer e-statements that allow you to receive your account statements electronically. This not only helps the environment but also gives you quick access to your financial information without cluttering your mailbox.

Mobile Banking at Your Fingertips

With our mobile application, managing your money is as simple as a few taps on your smartphone. Whether you're checking your balance, making deposits, or utilizing our mobile payments feature, everything is right at your fingertips. You can even send money to friends or family quickly using our person-to-person transfer service perfect for splitting bills or sending gifts. At Ksw, we prioritize keeping your information safe. Our systems use advanced encryption technology to protect all transactions and personal data. Rest assured that when you're banking online or via our app, you're in good hands. In short, our digital and online banking services make it easier than ever to stay connected with your finances while enjoying the peace of mind that comes from knowing you're protected. Join us at Ksw today and experience the future of banking!

Financial Strength

At Ksw, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share insights into our financial strength, which reflects our commitment to serving you with reliability and trustworthiness. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. With a net worth of $13,749,072, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,433 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $15,116,910 in share certificates and $4,375,003 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $13,186,507 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust; we have $2,348 in used auto loans and $83,014,762 in total loans and leases to support your financial goals across various sectors. Our operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 20 full-time employees ready to assist you. Total Share Accounts stand at 19,368, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Ksw is your trusted partner. Visit us at 135 Waldo Ave Belfast Me 04915 or call (207) 338-5160 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $36,398,585 in used vehicle loans and $8,046,536 in new vehicle loans already helping members get on the road. We provide financing options that make it easier for you to drive away in the vehicle you want.

Business Financing

For business owners, our outstanding commercial loans totaling $53,896 provide the capital needed to grow and expand your business operations. Whether you're starting something new or looking to improve your existing business, we can help tailor financing solutions to meet your unique requirements. At Ksw, we're committed to offering accessible financial products that cater to our members' diverse needs. If you're considering refinancing options or want to know about eligibility, feel free to visit our website or call us directly. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Your financial future is important to us, and we're here to help every step of the way!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $8,170,823, make buying or refinancing simple. We are here to guide you through the process and help you secure financing that works for your budget.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $1,541,991 in loans helping members manage their finances effectively. These cards are designed for convenience and can be an excellent tool for budgeting and cash flow management.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. Users can trust that the rates they see reflect genuine offers available in the market. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions. This commitment to impartiality means users receive unbiased results tailored to their needs. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can quickly compare options and select the best fit for their financial situation. Thousands of users trust LendMesh for loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness of this tool in helping individuals achieve significant savings. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

How LendMesh Ensures Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This ensures that all offers are fair and transparent. By collaborating with reputable institutions, LendMesh guarantees that users receive accurate information when comparing loans.

Ksw