Click HERE for our
current fee schedule.
 
Current Rates
 
NEW AND USED COLLATERAL RATES (EFFECTIVE 12/21/2012)
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% 7.75% 8.00% 8.25% 8.50% 9.25% 9.75%
550-599  **80% 9.75% 10.25% 10.75% 11.25% n/a n/a
549-lower  **80% 13.75% 14.25% 14.75% 15.25% n/a 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 6.00% Estimated pay  $11.49 per $1000
680-729 6.50% Estimated pay $11.75 per $1000
640-679 7.25% Estimated pay $12.14 per $1000

 

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
3.5%
 
Land / Seasonal Property  
           15 years 8.00%

 

Unsecured Loan Rates (EFFECTIVE 12/21/2012)
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 January 27, 2015
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 .50% .50%
24 mo Certificate $500.00 .80% .80%
36 mo Certificate $500.00 1.10% 1.10%
 48 mo Certificate $500.00 1.25% 1.26%
 60 mo Certificate $500.00 1.50% 1.51%
IRA - Individual
Retirement Accounts
$25.00 minimum balance
None .75% .76%

 

Money Market Rates effective May 1, 2014 
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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Upcoming Events

Youth Month 2015
"Wild about Savings"
Celebration and contests
all month long!
Giveaways April 21-24!
 

News

 Effective July 1st, 2015,
KSW will no longer print
notices for ACH and Draft
Non Sufficient Funds.
Please utilize Mobile Banking,
KSW@Home, E-Alerts, and
Teller Phone to check your account.
 
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Holiday Closures

Martin Luther King, Jr. Day
Monday, January 19th
Presidents' Day
Monday, February 16th
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Monday, April 20th
Memorial Day
Monday, May 25th
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Monday, September 7th
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Monday, October 12th
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Wednesday November 11th
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Thursday, November 26th
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Friday, December 25th

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