Scheduled Maintenance: September 13

Online and Mobile Banking may experience brief interruptions between 5:00 a.m. and 7:00 p.m. Arizona Time due to scheduled maintenance. No extended downtime is expected.

Fraud Alert

We have received reports of scammers spoofing American Southwest Credit Union’s phone number and impersonating ASCU employees.

If you receive an unexpected call requesting account information, hang up and call us directly at 800-752-6394.
Never share passwords, PINs, or security codes over the phone. Caller ID can be spoofed.

Built for the Gila Valley

Our brand‑new Thatcher branch is here to serve you with local people, personal service, and banking that puts community first.

Come See Us

Your Pay, Sooner

Access your paycheck up to one business day early with eligible direct deposit.

Learn More

We're Ready for you Benson!

Same people you trust, upgraded space and services to make banking easier and more comfortable. Now at 795 W 4th Street

Learn More

Lock In Competitive Returns

Term Share Certificates with strong rates, flexible terms, and the confidence of knowing your money stays right here in your community.

View Current Rates

Put Your Home Equity to Work

From home improvements to life’s bigger plans, a Home Equity Line of Credit gives you flexible access to funds—backed by local decision-making.

Explore HELOC Options

Plan for Tomorrow. Protect What Matters.

Living trusts and wills, thoughtfully guided through ASCU’s Life Planning services—helping you care for the people and causes that matter most.

Learn About Life Planning

Supporting the Communities We Serve

ASCU proudly supports local schools, events, and organizations across Southern Arizona. Submit a sponsorship request and partner with us.

CHAT SUPPORT? We've got it!

Mon-Fri 8 AM - 5 PM. Just click the chat icon at the bottom of this page.

American Southwest Credit Union

The Co-Op You Can Bank On

Auto, Truck, & Toy Loans

Make buying your next auto easier and prequalify with ASCU. You might be surprised at just how much you can save with an auto loan from ASCU.

Apply Now for your Vehicle Loan

Join ASCU

Become a member-owner of ASCU and experience a local not-for-profit banking experience. We have extraordinary customer service, an award-winning digital banking platform, helpful loans, and essential savings & checking products to meet your needs.

Become a Member of ASCU

Check Out our Most Popular Products

Claim Your Accidental Death & Dismemberment Benefit

Need Auto Insurance? TruStage gives our members great benefits!

Fraud & Scam Alert

Scammers are increasingly using AI voice cloning, spoofed phone numbers, and fake websites to target members. Please use caution.

Never send cryptocurrency, gift cards, wire transfers, or peer‑to‑peer payments to anyone claiming to be from a business or government agency.
AI voice‑cloning scams are rising. Always verify family emergencies by calling the person directly using a known number.
Caller ID can be spoofed. Do not provide personal information unless you initiated the call.
No legitimate company will ask to remotely access your computer or phone.
You cannot win a contest you did not enter.

ASCU will only ask for the last four digits of your card number, the three‑digit security code, or your card’s expiration date.
We will never ask for your full card number, PIN, online banking password, or remote access to your device.

If you are unsure who is contacting you, call 800‑752‑6394 or visit any ASCU branch.

Video Banking is here

Can’t get out of the house? Don’t have a car? Too busy or just don’t want to deal with traffic?

Bank face to face with us using your computer or smart phone! Start a chat from our website home page or login to your digital banking account. Upgrade to video if you wish. Co-browsing will be available to allow our Member Service Representatives to help you navigate to the information or application you are looking for.

Looking for a VA Home Loan? We've got them!

Reorder Checks

Easy Financial Education

Credit unions exist to help people. Our goal is to serve all of our member-owners well, including those of modest means. Our members are loyal for this reason. They know ASCU will be there for them in bad times, as well as good. With a one time deposit of $10, you can have access to the benefits of being a member-owner at ASCU*

*To be eligible for membership, you must live, work, or worship in one of the following Arizona Counties: Cochise, Pima, Pinal, Gila, Graham, Greenlee, or Santa Cruz. Also eligible for membership are persons or organizations sponsored by members of ASCU. See additional membership details at Membership

NEED A BUDGET?

Build A Budget with a Worksheet that Calculates for You

VIEW OUR MONEY VIDEOS

Our members enjoy surcharge-free access to cash at Allpoint ATMs! Where are Allpoint ATMs located? Now at Circle K, CVS, Walgreens, and more. Look for the Allpoint Logo on ATMs and avoid fees at 55,000 ATMs worldwide.

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?”

FAQ

Quarterly President's Post

ATM Locator

Watch a short video to see how improving your credit score can save you a lot of money

Our Mission

Did you know that Credit Unions are Not for Profit organizations? That’s right! Here are some facts:

We’re owned by our members.
We operate democratically.
We’re not-for-profit; we don’t make money for elite shareholders.
Profits are given back to our members in the form of better loan rates, etc.
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 is 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

Contact Us

ASCU Leadership

Careers

Depositing checks is a snap with our ASCU Mobile App.

Aggregate accounts from other banks and credit unions into a single view! See balances, transactions, ad receipts, tags & notes. Easy remote deposits, view monthly statements, download recent transactions, pay bills, member to member transfers, and more! Download from the Apple App or the Google Play Store 4.8 – 5 Star Ratings!

Careers

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, bi-annual stay bonuses, paid volunteer time, 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 Ft. Huachuca.

Become part of our progressive, extraordinary team!

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

Email your resume to hrdept@ascu.org If a position opens up during that timeframe that you qualify for, we will contact you. We also post job listings on https://regionalhelpwanted.com/sierra-vista-jobs/

HOLIDAY CLOSURES 2026: Jan 1st, Jan 19th, Feb 16th, May 25th, June 19th, Sept 7th, Oct 12th, Nov 11th, Nov 26th, Nov 27th, Dec 25th

Contact Us

Chat: The fastest way to connect Mon-Fri 8AM – 5PM. Login to online banking from your computer or smart phone. Or click the “Let’s Talk” chat bubble on this website.

Secure Messaging: The best way to send us a message, even on the weekend. Secure Messaging is checked 2-4 times per day on M-F. You can even send a PDF, jpg, or Excel document through secure messaging. Login to online or mobile banking and click the white envelope icon.

Call Center: (520)459-1860 or 1-800-752-6394 M-Th 8 AM – 5 PM and Fri 8 AM – 6 PM

24/7 Automated Teller: (520) 459-1860 or Toll-Free: 1-800-752-6394

Nationwide Branch Access: Visit over 5,300 credit union branches across the United States at participating Co-Op Shared Branches.

Surcharge-free ATMs at any of our branch ATMs + Surcharge-free ATMs when you use AllPoint Network ATMs. Look for the AllPoint Logo at Walgreens, CircleK, CVS, Target, and other popular locations.

Routing Number

3221-7458-8