KSW Mobile App
CLICK HERE TO VIEW OUR SITE ON YOUR MOBILE DEVICE
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.
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
222 College Avenue
Waterville, ME 04901
(207)872-5602 - (800)924-5454
Fax: (207)872-5776 -
This email address is being protected from spambots. You need JavaScript enabled to view it.
Belfast Branch
135 Waldo Avenue
Belfast, ME 04915-6909
(207)338-5160
Fax: (207)338-6129 -
This email address is being protected from spambots. You need JavaScript enabled to view it.
| NEW AND USED COLLATERAL RATES (EFFECTIVE 8/24/2011) | ||||||
|---|---|---|---|---|---|---|
| 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 | 13.25% |
| FHA Loans Limit $25,000 up to 20 yrs. |
8.50% |
| 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 |
Prime + 0% |
| Land / Seasonal Property | |
| 15 years | 8.00% |
| Open End and Unsecured Loans (Limit $5000) | |
| 60 months | 13.75% |
| Open End Advances (min $500) New application every 18 mos. or when limit changes. |
|
| 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 July 10, 2012 | |||
| 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 | .50% | .50% |
| 12 mo Certificate | $500.00 | .60% | .60% |
| 24 mo Certificate | $500.00 | 1.00% | 1.01% |
| 36 mo Certificate | $500.00 | 1.25% | 1.26% |
| IRA - Individual Retirement Accounts $25.00 minimum balance |
None | .75% | .76% |
| Money Market Rates effective September 23, 2010 | |||
| Tiers | Minimum Balance |
Dividend Rate | Annual Percentage Yield |
| Tier 1 | $2,000.00 | .45% | .45% |
| Tier 2 | $25,000.01 | .55% | .55% |
| Tier 3 | $50,000.01 | .65% | .65% |
Convenient Online Services
Home Banking 24x7 Access
Click Here to LOGIN
To enroll for E-Services
click here
Please allow time to download
printable application.
