Need a Car but Struggling with Bad Credit?

We may be able to help. Contact us today at 520-459-1860.

ASCU Sponsors the Cochise County Sheriff's Charity Ride

We are the Co-Op You Can Bank On!

We are here to serve you, our member owners!

We Care!

We love the communities we serve!

Get Up To $280 + an extra $20!

Bring us your auto loan and get up to $280!
Mention Promo Code: WEBSITE and get an additional $20

PreQualify your AUTO LOAN

Experience hassle free car buying when you pre-qualify for your car, truck, RV, or other loan.


PreQualify and talk to a lending specialist today about our low rates.

Join Our Team

Be part of a great workplace!

American Southwest Credit Union

The Co-Op You Can Bank On

Dedicated to our Communities with Trust and Integrity

Our Members Love Us! Read What Members Are Saying.


For a limited time, Finance or Refinance your next vehicle with us and

Get up to $280!
Want an additional $20?
Mention Promo Code: WEBSITE

This cash incentive is paid at the time of the loan closing by crediting the member’s share savings account.  Offer is available for cars, trucks, SUVs, RVs, motorcycles, and other types of motorized vehicles. The cash incentive is tiered based on the amount financed, but will not be less than $100 and not greater than $300.  For qualifying applicants, you can wait 90 days to make your first payment.  Interest accrues during the 90 days.  Other restrictions may apply.  All loans are subject to approval.  This incentive program may end at any time without notice.  Buying from a private seller?  We can help!    Contact a loan specialist today and see how easy it is!

Apply Now for Auto Loan


Did you apply online before 1/19/2022? Click Here
Quickly and securely make a loan payment online from a checking or savings account or by credit card.
Need help getting statements for online banking? This short tutorial can help!
We’re serious about protecting you from fraudulent activity on your accounts. That’s why we’ve strengthened our defenses with a new, automated system that can identify threats faster, notify you sooner and equip you with the tools you need to take immediate action against fraud.

Shop for Vehicles

Research available local vehicles right from our convenient website platform.

Shop Now for a Vehicle

Apply for an Auto Loan

Make buying your next auto easier!  Get pre-qualified for your auto loan before you step onto the lot!  Give yourself the negotiating power of saying you are a “cash buyer” and don’t forget to ask about our auto promotions ~ a member benefit!

Apply Now for your Vehicle Loan

Buying a Home, Refinancing or Remodeling Your Existing Home?

We have competitive rates and a variety of products to fit your needs.  We even have construction loans, HELOCs, and VA Loans!

Learn More About Home Finance Options

Become a Member

Become a member-owner of ASCU and experience the Credit Union difference!  We are locally owned and proudly support our communities and local businesses.  Our low loan rates and great member service are just some of the benefits you’ve been missing out on.

Become a Member of ASCU

Shared Branching

ASCU is part of the Co-Op Credit Union® Network. It’s like having 4,300 American Southwest Credit Union branches all in one.  Your membership and accounts remain at ASCU, but you can go to other credit unions within the Co-Op to conduct many needed financial transactions and services.

Locate A Shared Branch

Frequently Asked Questions

Find answers to our most asked questions such as “What’s the difference between a Credit Union and a Bank?” or “Is my account federally insured” or “Can I apply for membership online?”


Our Mission

Did you know that Credit Unions are Not for Profit organizations?  That’s right!  And our mission is to provide quality financial products and services to to you.  Here are some facts:

  • We’re owned by our members.
  • We operate democratically.
  • We’re not-for-profit; we don’t make money for anyone but our members.
  • We support social and community programs to improve the quality of life for everyone.
ASCU History & Mission

ASCU Cares

Every year ASCU tries to give back to the communities we serve.  Whether it’s dollars donated, serving as a collection point for Toys for Tots, or volunteer hours at charity events or other local community based projects, we are involved in the people’s lives who walk by our doors every day.

Our Core Values are Integrity, Trust, Community, Care, Cooperation, Dedication, Education, Knowledge, and Excellence.

We strive to make a difference.

Community Outreach


American Southwest Credit Union is looking for professional, outgoing and dedicated employees.

When you join ASCU, you will find yourself in a supportive work environment with a culture that champions an open-door management philosophy and a team environment.  We offer competitive wages, a great benefit package for full time staff and advancement opportunities within our organization. We have locations in Sierra Vista, Sahuarita/Green Valley, Douglas, Benson, and on the Ft. Huachuca base.

Become part of our progressive, extraordinary team!

We accept applications anytime and will keep them on file for 90 days.

Email your resume to  If a position opens up during that timeframe that you qualify for, we will contact you.  We also post job listings on

What Our Members Say…

We are a part of our community and truly care about our members. We loved these notes from our members so much we wanted to share them in a video.



Upcoming Events

Holiday Closures 2022: January 1, January 17, February 21, May 30, June 20, July 4, September 5, October 10, November 11, November 24, November 25, November 26, December 26.