Ksw Credit Union Waterville ME | Affordable Auto Loans & Business Banking

Introduction

At Ksw, we understand that a financial partner should be more than just a place to deposit your money or take out a loan. Located at 222 College Ave, Waterville, ME 04901, our main office has proudly served the community since 1954, building strong relationships with our 9,597 members along the way. With total assets exceeding $95,920,455 and deposits amounting to $1,403,493, we are committed to providing reliable financial services tailored to your needs. Under the leadership of CEO Deseree Gilman and Board President John Picchiotti, our dedicated team of 20 employees is here to ensure you have access to valuable resources and personalized service. Whether you're looking for auto loans, mortgages, or even business banking solutions, we have you covered with over 9,292 loans in our portfolio. While members can visit us at our branch location, official correspondence should be sent to the same address. Our comprehensive offerings include personal banking options such as checking and savings accounts, credit cards with rewards, and online banking services that make managing your finances easier than ever. As a member-focused credit union, we take pride in nurturing community growth and supporting local initiatives. With a net worth of $13,749,072 and cash reserves of $1,761,361, Ksw remains financially sound and ready to assist you in achieving your financial goals. We invite you to explore all that we offer by visiting our website at kswfcu.org or by calling us at (207) 872-5039. Let us help you build a brighter financial future today!

Branch History & Mission

Ksw has been a cornerstone of financial support and community engagement in Waterville, ME, since its opening in 1954. Over the years, we have grown from a small credit union to a vibrant institution serving over 9,597 members. Our commitment to fostering financial well-being and promoting local prosperity remains at the heart of what we do. Located at 222 College Ave, Waterville, ME 04901, our branch is easily accessible for all members. We are proud to offer services such as personal banking, auto loans, mortgage loans, and business banking solutions. Whether you need assistance with basic transactions at our drive-thru or wish to take advantage of our online banking services, Ksw is here to meet your needs. At Ksw, our mission is simple yet powerful: to empower our members through exceptional financial services while making a positive impact on the community. We aim not just to be a bank but a trusted partner in your journey toward financial success. Our total assets now stand at an impressive $95,920,455, reflecting our stability and ability to serve you better each day. As we embrace modern technology with features like mobile payments and online banking, we continue to uphold our commitment to accessibility. Our facilities are ADA compliant, ensuring that everyone can utilize our services without hindrance. Additionally, we maintain an ATM on-site for your convenience. While members can visit us at 222 College Ave, official correspondence should be sent to 222 College Ave, Waterville, ME 04901-6226. Our operating hours are Monday through Friday from 8:00 am to 5:00 pm, allowing ample opportunity for you to connect with us. Throughout our history, we've forged partnerships with local organizations and engaged in outreach efforts that uplift those around us. We believe that helping each other makes us all stronger. Join us today and experience how Ksw can help you thrive financially while supporting the community we love. Don't wait! Connect with us at (207) 872-5039 or visit our website kswfcu.org to learn more about becoming a member and taking advantage of all we offer!

Branch Location & Accessibility

Call to Action

We invite you to come visit us at Ksw! Whether you're stopping by for a quick transaction or looking to explore new financial opportunities, our dedicated team is here to support you. Feel free to call us at 207-872-5039 if you have any questions or need assistance before your visit. We look forward to serving you!

Operating Hours and Services

We understand that your time is valuable. That's why we are open Monday through Friday from 8:00 AM to 5:00 PM, so you can stop by whenever it suits you best. Our team is ready to assist you with a variety of services such as personal banking options including checking and savings accounts, auto loans, mortgage loans, and even business banking solutions. In addition to our friendly staff ready to help inside the branch, we also offer drive-thru banking for quick deposits and withdrawals without leaving your vehicle. Plus, our ATM is available for cash withdrawals and balance checks whenever you need it.

Parking and Accessibility

At Ksw, we prioritize accessibility for all our members. Our branch features ample parking with designated spots for those needing additional assistance. With ADA-compliant entrances and ramps, everyone can comfortably access our services.

Member Eligibility

Joining the Ksw family means stepping into a community that truly cares about its members. If you live, work, worship, or attend school in Kennebec County, you're already on your way to becoming a member! We believe in making banking accessible and supportive for everyone. Our eligibility criteria are designed to be inclusive and welcoming, so feel free to visit our detailed membership page at kswfcu.org/about/membership/ for any updates or specifics. Once you're ready to take the next step, opening an account is simple! Just check out our account opening information at kswfcu.org/lending/apply-for-a-credit-card/ or give us a call at 207-872-5039. We're here to help you through the process and answer any questions you might have. At Ksw, we're not just about banking; we're about building relationships that last a lifetime. Welcome aboard!

Business Banking & Commercial Services

Merchant Services That Make Sense

In addition to loans, our merchant services help streamline daily operations. Imagine a local retailer being able to accept payments easily and efficiently, allowing them to focus on what they do best serving customers. Our services are designed to simplify transactions, making it easier for you to manage your cash flow. Located conveniently at 222 College Ave Waterville Me 04901, Waterville, ME 04901, we're here to help your business thrive. Reach out today at (207) 872-5039 to learn more about how we can assist you!

Tailored Loan Options

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. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - 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

Accessible Banking Solutions

We also provide basic drive-thru banking for quick transactions like deposits and withdrawals without leaving your car. This service makes it easier for those busy days when you need to get things done quickly but still want personal service. At Ksw, we believe that banking should be straightforward and stress-free. We invite you to explore all these services at our branch or online at https://kswfcu.org/. If you have any questions or would like to learn more about how we can assist you with your financial needs, don't hesitate to give us a call at (207) 872-5039. Join us today and discover how we can help make your financial dreams come true!

Embracing Technology for Convenience

In today's fast-paced world, convenience is key. That's why we've invested in our online and mobile banking platforms. With these services, you can access your accounts anytime, anywhere whether it's transferring funds, checking balances, or paying bills on the go. Our ATM services allow for easy cash withdrawals and balance checks whenever you need them.

Empowering Businesses

For small business owners, we offer specialized services such as merchant services and business loans to help you thrive in today's competitive market. We're dedicated to helping local businesses grow by providing the financial tools they need.

Personal Banking Made Easy

We understand that managing finances can be overwhelming. That's why our personal banking services are designed to simplify your life. Open a checking or savings account with us to keep your money secure while earning interest. If you're planning to purchase a vehicle, our auto loans and vehicle financing options will help you hit the road without breaking the bank. Plus, for those dreaming of homeownership, our mortgage loans and refinancing services make buying or upgrading your home more achievable.

Supporting Your Financial Goals

Everyone has different financial goals, and at Ksw, we recognize that. Our personal loans offer flexibility for those unexpected expenses or debt consolidation needs. If you're interested in building credit while enjoying perks, check out our credit cards with rewards that fit your lifestyle.

Digital & Online Banking

At Ksw, we understand that banking should be convenient and secure. That's why we offer a range of digital and online banking services designed to make managing your finances easier than ever. With our user-friendly platform, you can access your accounts anytime, anywhere. One of the standout features is our 24/7 Online Banking service, allowing you to check balances, transfer funds, and pay bills from the comfort of your home or on the go. Simply visit us at https://kswfcu.org/ to get started. Our services include E-Statements, which provide a quick and eco-friendly way to keep track of your financial activity without the hassle of paper statements. For those who enjoy using their mobile devices, our Mobile Application makes it easy to manage your accounts right from your smartphone. You can even set up Mobile Payments to make quick purchases with just a tap no need for cash or cards! Plus, if you need to send money to friends or family, our Person-to-Person Transfers feature makes it simple and instant. Security is a top priority at Ksw. We use advanced security measures to protect your information, and our Electronic Signature Authorization allows you to sign documents safely online without needing to visit a branch. This means you can complete transactions and agreements quickly while ensuring that your data remains secure. Whether you're checking your balance or making payments, our digital banking tools are designed with accessibility and ease-of-use in mind. Experience the freedom of real-time account management with Ksw where convenience meets security in every transaction!

Financial Strength

A Growing Community

Our strong member base is evident with a total of 19,368 share accounts. This growing community trusts us with their finances, reinforcing the strength of our credit union. In conclusion, 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 222 College Ave Waterville Me 04901 or call (207) 872-5039 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.*

Commitment to Growth and Support

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 commitment extends to offering financial support across various sectors; we have provided $2,348 in used auto loans and $83,014,762 in total loans and leases. Our operational efficiency is reflected in our $0, allowing us to consistently offer competitive loan rates and solid financial products for our members. We also take pride in having 20 full-time employees ready to assist you along your financial journey.

Member-Centric Savings and Investments

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.

Our Solid Financial Position

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. This solid base gives you confidence that your money is in safe hands. Furthermore, 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.

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 make it easy to finance your next vehicle, so you can focus on enjoying the drive.

Credit Lines and Business Loans

For those needing extra financial flexibility, we have credit lines available totaling $8,449,539. If you're a business owner, our outstanding commercial loans totaling $53,896 provide the capital needed to grow and expand your operations. If you're considering refinancing any existing loans or checking eligibility for our products, don't hesitate to reach out. We're here to help guide you through your options based on your unique financial situation. Feel free to visit us at 222 College Ave Waterville Me 04901 in Waterville, ME, or call us at (207) 872-5039 for more information about how we can assist you. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take the next step towards achieving your financial goals!

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 provide personalized assistance throughout the process to ensure you feel confident in your investment.

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. Our credit card options come with rewards and no annual fees, making it easier for you to keep track of your spending while earning benefits.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Loan 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 commitment to using verified data ensures that users receive fair and transparent offers. Each loan comparison is backed by reliable information, allowing you to trust the results you see.

Ksw