Blog

July 29th, 2021

Financial Education Workshop

Our financial education program was kicked off this year with a workshop in Douglas AZ.  Special thanks to Angie Luna who works for the Youth Quest Program in Cochise County. Angie brought the students…

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July 29th, 2021

Donation to American Foundation for Suicide Prevention

Our local community is really working hard to bring awareness and compassion to those suffering.   Join the walk for awareness on October 23rd.  More information at: OutoftheDarknessWalk

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July 29th, 2021

Donation to NAMI SEAZ

Proud to donate to National Alliance on Mental Illness of Southeastern Arizona.  Don't forget to register for their event, the Sky Island Bike Tour on October 2nd. Show your support and ride!  https://www.skyislandtour.com/

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July 9th, 2021

Landlords: Squeezed between missed rent and bills?

For a clickable PDF with active links, click here: 2021.07.09 cfpb_landlords_rental_assistance_help                     For a clickable PDF with active links, click here:  2021.07.09 cfpb_landlords_rental_assistance_help

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July 8th, 2021

Scam Alert

SCAM ALERT: Recently, we have been made aware of postcards being mailed to our members referring to a recently closed mortgage you may have with ASCU. The postcard asks you to call a phone…

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June 14th, 2021

Miss Sierra Vista Scholarship Foundation

We value our youth at American Southwest Credit Union and this year, we've made a $1000 donation to the Miss Sierra Vista Scholarship Foundation.  These girls represent the community of Sierra Vista and develop…

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May 30th, 2021

Green Valley/Sahuarita Chamber of Commerce Dinner

Our ASCU team attended the Green Valley/Sahuarita Chamber of Commerce Dinner.  It was great to meet new people in the business community. We hope to attend next year!

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May 7th, 2021

Pitfalls and Perks of the Zero-Interest Credit Card Offers

Zero percent interest credit card offers are constantly being dropped in our mail boxes and email accounts.  But they are not always the best way to assist you with your finances.  People may think…

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May 4th, 2021

Yesenia’s Podcast

Our amazing Yesenia in Sahuarita takes the mic.  Inspiring, positive, and funny, she is an asset to ASCU.  Thanks Yesenia for sitting down to chat with us!  Don't leave before the out takes! [audio…

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March 25th, 2021

Green Valley Sahuarita Chamber of Commerce Podcast

Randy Graf from the Green Valley Sahuarita Chamber of Commerce talks about his time in the area and gives us an inside look into developing the GVS Chamber into an information resource and support…

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March 15th, 2021

Automated Fraud Alerts Are Here

Accelerated. Automated. Your Best Defense Against Fraud. At American Southwest Credit Union, 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…

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March 5th, 2021

PPP Loan Application Assistance March12th, March 13th & March 16th

LIVE at American Southwest Credit Union  Dates:  Friday March 12th, and Saturday March 13th @ SIERRA VISTA BRANCH Date: Tuesday March 16th @ GREEN VALLEY/SAHUARITA BRANCH *Friday March 12th Session Start times:  4PM and…

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March 1st, 2021

Dan’s Podcast

Dan is retiring!  10 years with ASCU and he shared a bit of his story with us.  Thanks Dan and we will miss you. [audio mp3="https://ascu.org/wp-content/uploads/2021/03/Dan-Final-Session-Mixdown.mp3"][/audio]  

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January 21st, 2021

Alex’s Podcast

Find out about Alex's awesome bosses, how her new position differs from her old position.  Learn what her interests are, how she maintains balance, and about one of her most worthy long term goals. …

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January 19th, 2021

Samara Vincent PODCAST

Compliance Officer, Samara Vincent of American Southwest Credit Union speaks about her goals and professional journey and gives a bit of advice to students struggling to balance family, work, and getting through college.  She…

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January 6th, 2021

Podcast: Getting to Know Jay Williamson

Getting to Know Jay Williamson, new President and CEO of American Southwest Credit Union.  Listen in between 9:00 AM on January 12th to March 5th.  Learn about Jay Williamson's professional journey, his philosophy, who…

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January 5th, 2021

Save Money by Shopping Smarter

Does Comparing Prices at the Grocery Store Make You Crazy? Make it easy with your smart phone! We all want to save money.  Some people want to put a little more into their Rainy…

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December 31st, 2020

Can Refinancing Your Car Help Your Overall Financial Health?

When someone is looking into refinancing a car, there is always a financial reason behind the decision.  They are usually looking for lower monthly payments to improve monthly cash flow, reduce interest rates to…

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December 21st, 2020

How Can a Home Equity Line of Credit (HELOC) Help You?

With more people working from home, families are struggling to find ways of upgrading their home offices or converting a garage or an unfinished basement into a useable space to get their work done.…

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December 11th, 2020

$10,000 Check to Cochise College Foundation

Cochise College is a great way to start a career or change careers.  Our donation of $10,000 this year is earmarked for non-traditional students who have been affected by the pandemic.  If you have…

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December 11th, 2020

$10,000 Donation to Chiricahua Community Health

ASCU proudly supports the communities where we serve.  During this pandemic, we wanted to assist with health related issues revolving around COVID-19.  Our donation will go to directly assist for testing, and distribution of…

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December 11th, 2020

$5,000 Donation to the Chaplain’s Tithes and Offerings Fund

This donation goes out the the Army Chaplain's Tithes and Offerings Fund, which provides food and clothing to those in our immediate area who are in need this holiday season.  Thanks for all you…

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December 11th, 2020

$5,000 Just Kids Donation

Just Kids, Inc. is a foundation of the Sierra Vista – San Pedro Kiwanis Club.  The foundation was established in 1993.The foundation’s goal is to enhance the lives of needy, at risk children in…

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December 10th, 2020

Donation to SAT

$10,000 to the Sheriff's Assist Team Here is a list of the accomplishments and areas of support given by SAT  88-Crime for Cochise County ACO Support  Assist Detention Personnel  Background Investigations  Cold Case Investigations…

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November 18th, 2020

$5,000 Donation Check Presentation for Salvation Army

It's the annual Red Kettle Kick Off and we are proud to be the first to put money into the kettle!  Watch the live presentation on the Salvation Army page!  

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November 7th, 2020

8th Annual Cochise County Sheriff’s Charity Ride

8th Annual Cochise County Sheriff’s Charity Ride ASCU is a proud title sponsor of the Charity Ride, our first responders, and our community. Did you miss one of the biggest annual events in Cochise…

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September 30th, 2020

Did you know you can pre-qualify for an auto loan?

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September 21st, 2020

ASCU 2020 Annual Meeting

2020 Annual Meeting Information Date:  September 19, 2020 View Livestream Video of Annual Meeting:  https://youtu.be/jl6K1PkLH8c BOARD REPORTS Chairman's Report During CY2019, ASCU continued to operate in a fiscally sound and conservative manner.  In spite…

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September 17th, 2020

Audio Blog: Relationships and Money

Episode 002  Relationships and Money Relationships: Building Growth & Stability w/ your Partner Through Financial Health & Communication Explore the importance of financial health in relationships for dating couples, newly engaged or already long-term…

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September 17th, 2020

Audio Blog: Financing Your Business Podcast

Podcast Episode 004 Financing Your Business Ready to start or expand your dream?  Explore lending options with Ron Curtis, our VP of Commercial Lending.  We can assist even the small self-employed entrepreneur!  Learn the…

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September 17th, 2020

Video Blog: Does a Credit Score Really Matter?

How much does a poor credit score really cost you.  Meet three people who ended up paying different prices for items based only on their credit scores. [video poster="https://ascu.org/wp-content/uploads/2020/08/poor-creditb.jpg" width="1920" height="1080" mp4="https://ascu.org/wp-content/uploads/2020/08/Cost-of-Poor-CreditFinished-1.mp4" autoplay="true"][/video]

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September 17th, 2020

Audio Blog: Getting the Best Deal on Your Next Auto

Episode 003  Financing Your Auto Find your best financing deal for your next auto.  Listen in for strategies to reduce your stress about car buying and give you some negotiating power.  Ready to check…

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September 10th, 2020

Newlyweds: Don’t Let Financial Stress Take The Cake

There are so many things to think about when you are in a serious relationship and thinking about marriage or moving in together.  No one would rate finances as the most exciting thing to…

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September 4th, 2020

Home Improvements with a HELOC

With more and more people working from home, people are looking to upgrade their offices or convert a garage or an unfinished basement into a useable space away from the family to get their…

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August 11th, 2020

Savings Scams

SouSou savings clubs are becoming more and more common in the United States. But beware! Many scammers are capitalizing on them to steal money, instead of using them for their original intent. What is…

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August 7th, 2020

Cost of Poor Credit

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August 3rd, 2020

Clay Money Toppers for Kids

Looking for a fun activity to help encourage your young children to save? Make clay money toppers with your kids for a fun and inexpensive activity.  Sculpey Bake & Bend or Craftsmart Oven Bake…

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July 31st, 2020

Do You Know about Phishing?

Fishing and Phishing are two very different things.  One is thought of as being a relaxing or fun past time and the other, phishing, is used to "fish" for your information so that a…

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SCAM ALERT: AUTO SALE AND REPAIR FRAUD
July 30th, 2020

Auto Repair Scams

Just what you don't need... an unexpected auto repair and an auto repair scam.  Sometimes people posing as mechanics seem knowledgeable and honest, but they really aren't.  Here are some tips from the Arizona…

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Moving Scams: GRAPHIC
July 30th, 2020

Moving Scams

Scams involving professional movers rarely enters our minds when we are preparing for a big move.  But they do happen.  Here are some tips from the Arizona Attorney General's Office to help you avoid…

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July 15th, 2020

Social Media Influencers: Laws to combat deceptive ads

If you're a social media influencer and accept material or monetary goods with the brand you are representing, you have a responsibility to tell your readers of this connection.  The Federal Trade Commission is…

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July 14th, 2020

Work at Home Scams

Work from home scams are on the rise.  Find out how to protect yourself! Remember you can report scams to www.ftc.gov/complaint

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July 2nd, 2020

Leaders and Managers: Are they the same?

As business owners, we tend to think that the roles and qualities of leaders and managers are the same, but they are very different.  By analyzing the qualities of each, we hope to bridge…

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June 16th, 2020

Message from the SBA

The SBA (Small Business Administration) is a great resource if you are thinking of starting a small business. Their website can be found at   https://www.sba.gov/  

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June 3rd, 2020

Preventing Financial Elder Abuse

Financial Scams cost victims almost 40 billion dollars a year.  Unfortunately many of the victims are the elderly and vulnerable adults of all ages.  According to the FTC, 20% of the elderly will fall…

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May 15th, 2020

Road Tripping on a Budget

Vacations might be tight this year. Maybe people are thinking about avoiding travel all together. But there’s nothing like a good road trip. In a time where we may not want to get on a plane, going…

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May 11th, 2020

COVID-19

Our lobbies (except the Ft. Huachuca Branch) are open for regular business hours! For a complete list of branch locations and hours, visit https://ascu.org/locations/  The Ft. Huachuca Branch has limited hours of 11 AM…

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April 28th, 2020

Take Control: Get the best deal on your auto

It’s that time.  We all hate it, but we have to do it.  Going to the car dealership is a stressful time.  It should be fun to shop for a new or newer car…

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April 28th, 2020

Participate in 2020 Census

It's easy to participate in the 2020 Census.  If you didn't get the papers in the mail, you can go online and do everything there. It only takes about 10 minutes to complete! Just…

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SCAM ALERT: LOTTERY SCAMS are prevalent
April 27th, 2020

Lottery & Sweepstakes Scams

Although getting mail in your physical mailbox is less common now, the chances of encountering a scam lottery or scam sweepstakes either in your US Mail box or in your digital mailbox is still…

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April 17th, 2020

Time Capsule for 2020

It's important to connect with friends and family in this strange time we call a “pandemic” . But how do we do that when everything costs money and we are supposed to be “distancing”?…

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April 16th, 2020

Do You Have What it Takes to be an Entrepreneur?

Many people dream of opening a business and thriving with employees to do a lot of the work while they relax and do administrative tasks.  (This is a bit misguided as an entrepreneur works…

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April 16th, 2020

Funding for your New Business

Finding funding for a business venture can be really hard.  Sometimes taking out a personal loan seems like the only option.  But taking out a personal loan to fund something that may or may…

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April 10th, 2020

Buying A Home In Today’s Economy

The only thing certain about today’s economy is that it is uncertain. No one can guarantee what the next few years will bring.  Fortunately, you don’t have to give up on the home of…

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April 10th, 2020

How Can You Get The Most Out Of Your Investment In Your Home?

I want to increase the value of my home this summer. What can I do? Regular home maintenance is essential to protecting your largest investment. Before you worry about luxury amenities like a swimming…

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April 10th, 2020

Choosing An Equity Loan In A Rising Rates Environment

Q: I'd like to take out a loan against my home's equity, but I've heard that interest rates are expected to climb soon. What are the differences between a home equity line of credit…

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April 10th, 2020

What You Need To Know About Chip-Enabled Cards

Are you a swiper or a dipper? Chances are, you have at least one EMV chip-enabled card in your wallet. EMV, which stands for Europay, Mastercard and Visa, and has been used for years…

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April 10th, 2020

Review And Adjust Your Investments Each Year

Your portfolio is diversified and you've developed an asset allocation strategy that you're comfortable with. All is well. Then, at the end of the year, you find that the weighting of each asset class…

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April 10th, 2020

Plan For The Payoff When You Plan Your Student Loans

Planning ahead for college is not just a matter of getting good grades and accumulating a list of extracurricular activities and awards. It’s also a process of understanding how to pay for tuition and…

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April 10th, 2020

Combat The Financial Mistakes Of Our 20s And 30s

Early in their careers, people tend to focus on the here and now while ignoring the future. As you climb the ladder of success, you might think raises and promotions will never end and…

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April 10th, 2020

Changes In The Vantage Score System

Q: I've heard that the Vantage Score system is getting an overhaul. What kind of changes are being made and how will this affect the way my score is calculated? A: The Vantage Score,…

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April 10th, 2020

Beware Of The Fake Tax Form Scam

Tax season means a paperwork blizzard. Often, someone loses a copy of an important document and needs it to be re-issued. Naturally, everyone's too busy to verify the authenticity of each request. That's what…

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April 10th, 2020

20 Ways To Celebrate Father’s Day — Without Breaking The Bank!

We all want to show our dads that we care on Father’s Day. Many people panic and run straight for the ties. But unless your father is a necktie aficionado and you can land…

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April 10th, 2020

8 Ways To Save On A Vacation

Just because you're going on vacation, that doesn't mean your budget has to take a hike. Use these tips to save big and still have a wonderful vacation! 1. Check AirBNB for cheap rentals…

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April 10th, 2020

4 Home Improvement Projects With High Long-Term Return

When you’re making improvements to your home, you’re not just making your life better in the short term.  You’re also making an investment in your future. Ideally, the increase in the value of your…

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April 10th, 2020

5 Common Tax Mistakes To Avoid

It's that time of year again! Get ready to break out the calculator and pencils; dig out the enormous pile of receipts, tax forms, and pay stubs, and get to work. Whether you choose…

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April 7th, 2020

Counting Back Change: Make your brain a cash register

Counting back change scares a lot of people.  Just remember that the total price of the sale  + the change you give your customer, should always equal the amount of cash they gave you…

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April 2nd, 2020

Reading Time

Bring back an old family tradition, the trip to the library, to save money and help your kids achieve. With time alone during COVID-19 Quarantine, I've been reflecting on memories. Although we can't go…

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April 2nd, 2020

Cooking for a Better Financial Future

Cook Your Way to Wealth As an American, I love to eat.  I love to go to restaurants and try new dishes with friends.  But the fact is, if you have limited funds, learning…

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April 2nd, 2020

Creating Good Savings Habits for our Little Ones

Reading is usually a part of an everyday routine with kids. But what about saving as an activity? Saving money is a habit.  And developing that habit at an early age is crucial.  Here's…

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Learn more about spotting scams and reporting scams at consumer.ftc.gov
March 24th, 2020

Scam Bingo!

The FTC is alerting all consumers that scams involving COVID-19 are on the rise.  They have created an interactive gave for people to do on Facebook.  Find the game and play at:  https://www.consumer.ftc.gov/blog/2020/03/now-more-ever-spot-scams-ftcscambingo

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March 23rd, 2020

Stuck at Home? Skills for the family to learn

While we are spending some unexpected time at home, it can be a time for the whole family to learn money saving skills and to have some extra time for family bonding.  I’ve put…

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March 23rd, 2020

Beware of COVID-19 Scams

American Southwest Credit Union wants to remind everyone to beware of scams involving COVID-19. Scammers are already out there trying to pass off fake assistance checks from the government.  During the process, these scammers…

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Cochise Cheap Eats
March 18th, 2020

Cochise Cheap Eats

When it comes to cheap eats, nothing beats eating at home.  But eating at home can add up if you indulge in gourmet cheeses and pre-seasoned meats.  Here are a few simple favorites to…

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March 17th, 2020

RV Life: Preparing Your Budget

Are you thinking of the RV Lifestyle when you retire? Or maybe an extended road trip? It can be a wonderful experience, but it can be more expensive than you think! It's important to be realistic…

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March 4th, 2020

College or Career for your Teen?

For those of us with teens preparing to graduate from high school, it might be difficult to accept that perhaps college is not in their future, even though we have saved for years to…

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March 3rd, 2020

Let’s Talk Tacos!

Street Tacos This recipe is a cheap and fun way to eat. Chop up toppings –a tomato, a small onion, and some cilantro. Spray a cast iron skillet with olive oil.  Plop 6” flour…

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March 2nd, 2020

Scam Series: The Lottery Scam

Lottery Scams bombard our mail, email, pop-up windows on our computers, and our internet searches.  Just when you think "they" (whoever "they" are) have given up, another one lands in your in-box.  The idea…

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February 17th, 2020

Audio Blog: Interview with Melany Edwards-Barton

Episode 001   Sierra Vista Chamber of Commerce: Can it help you? Behind the Scenes Podcast with Melany Edwards-Barton, CEO of the Sierra Vista Area Chamber of Commerce.  Are you a business owner looking for…

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February 10th, 2020

Thoughtful Living: One writer’s key to a happier life

I remember my mom asking me several years ago why I liked a minimalist lifestyle. She loves to surround herself with beautiful antiques and glassware, beautifully crafted baskets, interesting knickknacks, and wonderful quilts that…

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February 3rd, 2020

401k Programs for the Self Employed

Did you know that if you are self-employed you can set up a solo 401k program for yourself? Yes, that’s right!  You don’t have to be employed by an employer who has set up…

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February 1st, 2020

Zero-Dollar Budgeting

Many people have made a 2021 goal of trying to budget better and save for an emergency fund.  It's a difficult task for those of us who have a fear of not being able…

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January 23rd, 2020

Should I Buy a Car or Keep the Old One

Automobiles are a constant drain on our resources but most people consider an auto a necessity, unless you live in a large metro area with a lot of public transportation options.  As our cars…

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January 22nd, 2020

Small Business Development

Did you have an idea for a business but don’t know where to start?   Right in Cochise County we have a wealth of information and resources for the self-employed, small business owners, and entrepreneurs. …

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January 16th, 2020

Social Media Calendar Tips for the Small Business Owner

As a small business owner, I know it is overwhelming to do everything.  Advertising and marketing, accounting, product development, selling, taxes, payroll,employee training and HR issues, customer service, shop clean-up and maintenance, computer repairs…

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January 15th, 2020

Scammers

More and more scammers are out there with a story to trick you.  Be aware of the latest scams and what to do about them.  Check on the Arizona Attorney General's Office website for…

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January 15th, 2020

Curbing the Impulse Buy

Have you ever come home from a needed shopping excursion only to find that you didn’t come home with the things you set out to buy?  Or worse yet, you bought something that doesn’t…

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January 13th, 2020

Talking Finances with Teens

Have you ever wondered how to teach your kids financial responsibility?  How do we prepare our kids to save for the future and to budget, without scaring them with our own problems?  Financial independence…

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January 7th, 2020

Can a Budget App Help You?

Budgeting can be a challenge for a lot of us.  We, as Americans, don’t save nearly as much as we should and with all of the gadgets available that connect us to the world,…

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January 6th, 2020

OPT-OUT! Services to make your life easier!

Now you can OPT-OUT of many solicitations of mail, email and phone calls.  De-clutter your life using the links below. To cut down on credit card and insurance offers in your mailbox, go to …

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January 3rd, 2020

New Year Resolution

It is the new year and often times we make resolutions we think will improve our lives.  But only a fraction of people actually achieve the goals they set.  Why is it that so…

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December 26th, 2019

How Men and Women Manage Money Differently

Over the last century or so, society has made tremendous strides toward gender equality on every level — and this includes basic money management. Today’s culture has further narrowed the gap between the sexes,…

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December 24th, 2019

Home Loans

What is a home loan? A home loan, or a mortgage, enables you to purchase a home without having to foot all the cash out of your pocket when purchasing. You will, however, need…

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December 16th, 2019

Saving Money by Road Tripping

Vacations might be tight this year.  Maybe people are thinking about avoiding travel all together.  But there’s nothing like a good road trip with friends or family.  In a time where we may not…

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December 16th, 2019

Planning and Budgeting for Single Parents

Smart money management is always important, but it can take on more urgency for those who are without a partner. Whether you’re divorced, widowed, or single by choice, single parenting brings unique budgeting challenges.…

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December 15th, 2019

Credit Card Rates 2020

LoanLiner CC rates April 2020

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December 13th, 2019

Grandparent Scams – Slow Down, Stay Calm, and Ask Questions to Avoid Being a Victim

“Grandma? Is that you?” “What’s the matter, honey?” “Grandma, you gotta help me! They’re going to arrest me if I don’t pay the fine – and I lost my wallet! I don’t have a…

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December 10th, 2019

Job Interview Tips

Nothing beats the excitement and novelty of your very first real job. With your long-awaited degree in hand, the world is at your fingertips! You can do it all – and you will. But…

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December 3rd, 2019

Putting Your Affairs in Order

Q: I know it’s important to have my financial affairs in order, especially when approaching an advanced age, but it is all so overwhelming. How do I go about this task? A: No one…

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Sierra Vista Main Branch

Closed Saturday Aug. 7 and Saturday Aug. 14

 

The SV Main Branch will be closed Aug. 7 & Aug. 14 to finalize our backup generator installation.  ATM fees incurred in this area will be waived if you need to use an alternate ATM.  This closure includes the lobby, drive thru, ATMs, and call center.  More information at www.ascu.org/ascu-tech

 

SCAM ALERT

Have you received a postcard about your mortgage?  *These postcards ARE NOT from American Southwest Credit Union*. If you receive a postcard like this, please do not call the number.  It is a scam to fraudulently obtain personal information from you.

More information at www.ascu.org/scam-alert