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Understanding Your Account Consumer Disclosure 2023.07.17

Remote Deposit Terms & Conditions

Mobile Banking End User License Agreement (EULA) 

Understanding Your Business Account


Fees & Charges


Credit Card Disclosures

Credit Card Agreement

Credit Card Rewards Login

Student Reloadable Visa Terms & Conditions

Gift Card Terms & Conditions

International Prepaid Card


Home Loan Toolkit from the CFPB

What You Should Know About Home Equity Lines of Credit from the CFPB


Consumer Privacy Policy

American Southwest Credit Union reserves the right, at any time and without notice, to add to, change, update or modify the Privacy Policy, simply by posting such change, update or modification on our website.  Any such change, update or modification will be effective immediately upon posting on this website.

We only use your Personal Information for certain purposes allowed by law.


Keeping financial and personal information secure is one of our most important responsibilities. ASCU is committed to protecting the information of our members and other visitors who use our website. We value your trust and handle all personal information with care. As with all information we collect through other means, we use the information you provide online to respond to your needs, service your accounts, and provide you with information about other services.

To ensure information remains confidential, ASCU uses encryption technology such as Secure Socket Layer (SSL) to protect information you enter and submit from our website.

Regular Internet email is not secure. You should never provide information that is sensitive or confidential such as your social security number, account number or PIN numbers. We also ask that you do not send personal or account Information through regular email.

Cookies are pieces of information stored directly on the device you are using. Cookies we use do not contain or capture unencrypted Personal Information. Cookies allow us to collect information such as browser type, time spent on the site, pages visited, language preferences, and your relationship with us. We use the information for security purposes, to facilitate navigation, to display information more effectively, to personalize/tailor your experience while engaging with us, and to recognize your device to allow your use of our online products and services. We collect statistical information about the usage of the site in order to continually improve the design and functionality, to monitor responses to our advertisements and content, to understand how account holders and visitors use the site and to assist us with resolving questions regarding the site. We also utilize cookies for advertising purposes. Tracking technologies also used are beacons, tags, pixels, and scripts to collect and track information and to improve and analyze our website.

To provide you with easy access to information, ASCU may provide links to other websites such as insurance companies, government agencies, etc. These links are provided as a convenience to our members. We do not guarantee or endorse any of the content in these links, and ASCU does not represent either the third party or the member if the two enter into a transaction. The privacy and security policies on these linked websites may differ from those practiced by ASCU. We encourage you to read the privacy policies of all websites you visit, especially before providing any personal non-public information.

Many websites and apps use Google services to improve their content. When they integrate Google services, these sites and apps share information with Google. We use Google Analytics to better understand how users are visiting and using our sites. Google Analytics collects information such as how often users visit this site, what pages they visit when they do so, and what other sites they used prior to coming to this site. Google Analytics collects the IP address assigned to you on the date you visit this site, rather than your name or other identifying information. We do not combine the information collected through the use of Google Analytics with personally identifiable information. Although Google Analytics plants a cookie on your web browser to identify you as a unique user the next time you visit this site, the cookie cannot be used by anyone but Google. You may review further information about how Google Analytics collects and processes data and how to control the information sent to Google at “How Google uses information from sites or apps that use our services” at google.com/policies/privacy/partners/.
ASCU Mobile App, if you the end user has expressly authorized it, will periodically collect, transmit, and use geolocation information for enabling features such as, but not limited to, card use and alerts to prevent fraudulent activates. Geolocation information can be monitored on a continuous basis in the background only while the feature(s) are being used or not at all, depending on the end user’s selection. The end user can change his/her/their location permissions at any time in their device settings.



We do not knowingly collect personal information from individuals under the age of 13 who use our website, social media sites, or email without obtaining consent from a parent or legal guardian.  To learn more about the Children’s Online Privacy Protection Act (COPPA), visit the National Credit Union Administration Regulatory Alert or the Federal Trade Commission’s website.


American Southwest Credit Union does not collect, or have access to, non-public personal information from any social media site it engages in.  Please be advised that your social media posts, reviews, and Facebook messenger communications are not secure against interception by unauthorized individuals.  Therefore, if you wish to communicate sensitive or personal information to us, please call us directly to discuss your account at (520) 459-1860.

If you have any questions regarding our privacy policy, please contact us at (520) 459-1860.


Recently, there have been multiple e-mail fraud attempts, known as “Phishing”, that were initiated via e-mail sent to both the general public and to some credit union members.  These e-mails appear to be from legitimate institutions.  This false e-mail may ask for the recipient to click on a link to verify their information.  If the recipient proceeds to do so, the link directs them to a false website and asks for their personal information such as account number and PIN, along with other personal information.

American Southwest Credit Union does not ask credit union members for such personal information via e-mail.  Anyone who receives an e-mail that purports to be from American Southwest Credit Union and asks for account information by clicking on a link should consider it to be a fraudulent attempt to obtain their personal account data for an illegal purpose and should not follow the instructions in the e-mail.

If you respond to such an e-mail and provide any confidential account information, please notify American Southwest Credit Union immediately of the scheme.  You should also change your account’s PIN, and take any additional action recommended by the Credit Union to protect your account.

Additionally, you can file formal complaints concerning suspected fraudulent e-mail, whether from American Southwest Credit Union or another institution, with the Internet Fraud Complaint Center (IFCC) at http://www.IC3.gov.  The IFCC is a partnership between the Federal Bureau of Investigation, and the National White Collar Crime Center.

If you have any questions regarding this alert, please contact us at (520) 459-1860.


When visiting our website, your personal computer may allow pop-up advertisements. These advertisements were most likely produced by other websites you visited or by third party software installed (intentionally or unintentionally) on your computer. American Southwest Credit Union does not produce pop-up advertisements on our retail website, online or mobile app.

For more information about the National Credit Union Administration, visit National Credit Union Administration (ncua.gov)