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Must be enrolled in KSW On-line Banking. 
Works for all Mobile Devices. No data
plan required, texting function available.
Applicable texting charges may apply.
     Easy to follow step by step instructions.     
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Youth Savings Accounts

Locations & Hours

Drive-Up: Mon-Fri 8:00-4:30
Thurs 8:00-6:30

at Waterville Location only

Lobby: Mon-Fri 9:00-5:00


Waterville - Main Office
 sunny front
222 College Avenue
Waterville, ME 04901
(207)872-5602 - (800)924-5454
Fax: (207)872-5776 - EmailThis email address is being protected from spambots. You need JavaScript enabled to view it.


Belfast Branch
 belfast
135 Waldo Avenue
Belfast, ME 04915-6909
(207)338-5160
Fax: (207)338-6129 - Email
Thi

s email address is being protected from spambots. You need JavaScript enabled to view it.

 

For security reasons, please do not include account number(s) and/or social security number(s) in your emails.

Click HERE for our
current fee schedule.
 
Current Rates
 
(cars, trucks, titled motorcycles & boats)
 
NEW AND USED COLLATERAL RATES (EFFECTIVE 3/1/2017)
Score 24 MO 36 MO 48 MO 60 MO 72 MO *84 MO
730 & Above 3.24% 3.24% 3.24% 3.24% 4.75% 5.50%
680-729 3.24% 3.24% 3.24% 3.24% 5.00% 6.00%
640-679 5.50% 5.50% 5.50% 5.50% 6.25% 6.75%
600-639  **90% 8.75% 8.75% 8.75% 8.75% 9.50% 10.00%
550-599  **80% 12.25% 12.25% 12.25% 12.25% 14.00% n/a
549-lower  **80% 13.75% 14.25% 14.75% 16.25% 18.00% n/a
(ATV, Snowmobiles, Tractors, Trailers, & Equipment)
*** 72 month financing on purchases over $15,000.00 
NEW AND USED COLLATERAL RECREATIONAL RATES (EFFECTIVE 6/1/2017)
Score 24 MO 36 MO 48 MO 60 MO 72 MO***
730 & Above 5.24% 5.24% 5.24% 5.24% 6.75%
680-729 5.24% 5.24% 5.24% 5.24% 7.00%
640-679 7.50% 7.50% 7.50% 7.50% 8.25%
600-639  10.75% 10.75% 10.75% 10.75% 11.50%
550-599  14.25% 14.25% 14.25% 14.25% 16.00%
549-lower  18.25% 18.25% 18.75% 18.25% n/a

           
            *Must finance Over $20,000
            **Of asking price or MSRP whichever is lower
  .25% reduction for automatic payment, some restrictions may apply

Title Campers & Boats over $20,000 
Up to 120 Mo
730 & above 5.99% Estimated pay  $11.49 per $1000
680-729 6.49% Estimated pay $11.75 per $1000
640-679 7.24% Estimated pay $12.14 per $1000
HEATING LOAN SPECIALS
Score 12 MO 24MO 36 MO 48 MO 60 MO  
730 & Above 6.5% 6.5% 6.5% 6.5% 6.5%  
680-729 6.75% 6.75% 6.75% 6.75% 6.75%  
640-679 7.250% 7.250% 7.250% 7.250% 7.250%  
600-639  9.25% 9.25% 9.25% 9.25% 9.25%  
550-599  11.25% 11.25% 11.25% 11.25% 11.25%  
549-lower  14.00% 14.00% 14.00% 14.00% 14.00%  

 

All Rates are "As low As"
Guarantor Loan 7.99%
 
FHA Loans
Limit $25,000 up to 20 yrs.
6.50%
 
Real Estate Loans
Only within the State of Maine
Call for Details
Up to 15 yrs
 
Home Equity Loans
Only within the State of Maine
3.75%
 
Land / Seasonal Property Call for Details 
           15 years 8.00%
Unsecured Loan Rates (EFFECTIVE 10/31/2016)
Score 12 MO 24 MO 36MO 48 MO 60 MO
730 & Above 6.50% 8.49% 8.49% 9.49% 9.49%
680-729 6.75% 8.99% 8.99% 9.99% 9.99%
640-679 7.25% 10.99% 10.99% 11.99% 11.99%
600-639 **90% 9.25% 11.99% 11.99% 12.99% 12.99%
550-599 **80% 10.75% 14.99% 14.99% 15.99% 15.99%
549-lower **80% 10.75% 16.99% 16.99% 18.00% 18.00%

All Rates are "As low As"

Open End Advances
(min $500, Limit $5000)
 
New application every 18 mos.
or when limit changes.

13.75%

Open End Loan Drafts

6.00% above
  prime adjusted
semi-annually

Loan secured by shares

3.50% above
  share rate

VISA

9.90%

Loans secured by Certificates Due
at the maturity of the   Certificate

3.50% above rate
  of Certificate

Savings Rates effective October 31, 2016
Type Minimum
Balance
Dividend Rate Annual
Percentage
Yield
Share Savings $25.00 .25% .25%
Club Accounts $25.00 .25% .25%
Youth Accounts $5.00 .25% .25%
6 mo Certificate $500.00 .35% .35%
12 mo Certificate $500.00 .65% .65%
18 mo Certificate** $500.00 1.25% 1.25%
24 mo Certificate $500.00 1.10% 1.10%
36 mo Certificate $500.00 1.25% 1.26%
 48 mo Certificate $500.00 1.50% 1.51%
 60 mo Certificate $500.00 2.00% 2.00%
IRA - Individual
Retirement Accounts
$25.00 minimum balance
None .75% .76%
** New Money Certificates Only      
Money Market Rates effective October 31, 2016 
Tiers Minimum
Balance
Dividend Rate Annual
Percentage
Yield
Tier 1 $2,000.00 .30% .30%
Tier 2 $25,000.01 .40% .40%
Tier 3 $50,000.01 .50%

.50%

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News

All cash transactions with

the new chip card will now 

require a PIN number!

Please remember to 

keep your PIN numbers 

in a safe location! 

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2017 Holiday Closures

Martin Luther King, Jr. Day
Monday, January 16th
Presidents' Day
Monday, February 20th
Patriots' Day
Monday, April 17th
Memorial Day
Monday, May 29th
Independence Day
Tuesday, July 4th
 Labor Day
Monday, September 4th
Columbus Day
Monday, October 9th
 Thanksgiving Day
Thursday, November 23rd
Christmas
Monday, December 25th