Credit union · NCUA insured
KV FCU
A $138.4M credit union headquartered in Augusta, ME, with 10,948 members and 3 branches in Maine. Best rates: CDs 3.87% and savings 1.51% APY.
KV FCU Carrot Score
83
Carrot Score
Higher than 63% of U.S. banks and credit unions
#9 of 19 in Augusta, ME metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About KV FCU
KV Federal Credit Union was initiated in 1962 as St. Augustine Federal Credit Union before renaming to KV Federal Credit Union, and is headquartered in Augusta, Maine.
The member-owned institution operates branch locations in Augusta, Oakland, and Waterville, Maine.
- Headquarters
- 316 W River RD, Augusta, ME 04330-3992
- NCUA charter
- 15328
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, attends school, or worships in Kennebec County or Somerset County.
Family and household
- Membership extends to immediate family members.
Other ways
- Membership is open to businesses and other legal entities within Kennebec County or Somerset County.
Cost to join
- Requires an initial deposit of $5.00 when establishing a Monty Moose Account.
- Requires an initial share deposit/minimum balance of at least $25.00.
Branches
3 branches in Maine
Loading map…
Maine
3 branches
- Main Office BranchMain office316 W River RD, Augusta, ME 04330Directions
- Oakland Branch35 Oak St, Oakland, ME 04963Directions
- Waterville Branch299 Main St, Waterville, ME 04901Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.42% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.13% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.23% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $67 | $76 | — |
- CapitalNet worth ratio12.42%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.13%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.23%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$67Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of KV FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.