Extended Offer: Get up to 3.82% *APY

Term Share Certificates - Let your money work for you! APY-*Annual % Yield

Holiday Skip a Payment

Need a Payment Break This Season?

We're One of the BEST

Voted One of the Best Credit Unions to work for in the USA!

Bad Credit?

Need a car but struggling with your credit? We may be able to help.

Coming 2023!

It's official! We will be opening a branch in Thatcher AZ!

BOOM! Our App gets 4.5-5 Stars!

Check us out in Google Play & Apple App Store.

Cochise Ed Foundation

Cochise County Superintendent of Schools Jacqui Clay & Foundation Member Eric Petermann receive donation


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

Thank You Army!

Branch Manager Fe presents donation to the Army Emergency Relief Fund.

East AZ College Foundation

CEO Jay Williamson & VP of Lending Ron Curtis present donation check.

The Co-Op You Can Bank On!

We are here to serve you, our member owners!

We Care!

We love the communities we serve!

Why Finance with ASCU?

We are not a bank. We are a not for profit Co-Op.

PreQualify your AUTO LOAN

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

Join Our Team

Be part of a great workplace!

American Southwest Credit Union

The Co-Op You Can Bank On

Our Members Love Us! Read What Members Are Saying.


Need a little help this holiday season?  Check out our Holiday Skip a Payment option for your loan.

Holiday Skip a Payment.


You might be surprised at just how much money you can save with a great loan rate from ASCU!

Apply Now for Auto Loan

Struggling with Bad Credit? 

We may be able to help. Apply online with our simple online application.

Buying from a private seller? 

Contact us and see how easy it is!

Quickly and securely make a loan payment online from a checking or savings account or by credit card.

ASCU debit card with our hassle free and fee-free accounts helps make shopping a breeze.

Need a hassle-free spending account?

Your contactless debit card includes an Online debit and spending account for





Connects to Apple, Google and Samsung Pay wallets so your digital payments are secure.

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, Graham, Greenlee, or Santa Cruz. Also eligible for membership are persons or organizations sponsored by members of ASCU.  See additional membership details at Membership

Online/Mobile Banking Help

Our platforms are clean, organized & easy to use.  Need a little help? Visit our tutorials page or stop by one of our branches.  Or you can email us at talktous@ascu.org  *Do not include your account number in emails.

We are here to help you!



Apply for an Auto Loan

Make buying your next auto easier!  Get pre-qualified for your auto loan before you step onto the lot! With a pre-qualified auto loan from American Southwest Credit Union, you can avoid the hassle of going through dealer financing, saving you a lot of time and money.

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

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.

Free Yourself from ATM fees

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!  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

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!   4.8 – 5 Star Ratings!



Apple App Store     Android / Google Play Store


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/

Upcoming Events

Christmas Light Parade
Saturday, December 3, 2022

Event Calendar

2022 ASCU Awarded "Best Credit Unions to Work for" by American Banker

In August 2022 we were published in American Banker as one of the Best Credit Unions to work for in the USA!

Over the last two years we have implemented a multitude of improvements to our working environment and employee benefits.  We are so proud of the progress we’ve made and excited to be recognized as one of the best credit unions to work for in the USA.

But we’re not done!  We continue to improve our services and perks for our employees. We’re excited for what the future will bring!

Holiday Closures 2022: December 25th & 26th. Holiday Closures 2023: January 1st, January 16th, February 20th, May 29th, June 19th, July 4th, September 4th, October 9th, November 11* November 23rd 24th & 25th, December 25th