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iAdvertiser Disclosure
Advertiser Disclosure
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 American Southwest Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 19, 2026
American Southwest Credit Union's money market rates are at 0.15%. MonitorBankRates evaluates the financial stability of American Southwest Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.41%. Rates were last updated on 04/19/2026. American Southwest Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at American Southwest Credit Union? Share your experience about American Southwest Credit Union by leaving a review below, or read customer reviews before you decide to use American Southwest Credit Union. American Southwest Credit Union
ASCU Main Branch 3090 E Fry Blvd
https://www.ascu.org Sierra Vista, AZ 85635 
American Southwest Credit Union Money Market Rates
American Southwest Credit Union Checking Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for American Southwest Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather American Southwest Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with American Southwest Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
American Southwest Credit Union
Website
https://www.ascu.org
Address
3090 E Fry Blvd,
Sierra Vista, AZ 85635
Phone
520-459-1860
Fax
520-458-4249
President
Mary Hyder
CEO
Jay Williamson
Full-Time Employees
69
Part-Time Employees
9
Branch Locations
7
ATM Locations
7
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
7.41%
Return on Assets (ROA)
0.9742%
Return on Equity (ROE)
8.9264%
Non-Performing Loans Ratio (NPL)
1.47%
Total Assets
413,296,818
Total Amount of Shares and Deposits
366,314,642
Total Shares and Deposits < 1 Year
352,311,273
Total Shares and Deposits 1 3 Years
10,634,369
Total Shares and Deposits > 3 Years
3,369,000
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
38,452,207
Total Uninsured Shares and Deposits > $250K (F+J)
38,452,207
Total Insured Shares and Deposits > $250K (item 17 less item K)
327,862,435
Total Interest Expense (Sum of items 6 8)
2,937,886
Share Certificates
2,201
Number of Accounts for Share Drafts
18,164
IRA KEOGH Accounts
434
Number of Accounts for Regular Shares
34,245
All other shares
3,301
Money Market Shares
791
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
33,031,387
Total Liabilities
368,404,682
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About American Southwest Credit UnionIs American Southwest Credit Union a safe place to deposit money?Yes, American Southwest Credit Union is considered a safe financial institution. With a Texas Ratio of 7.4133624626802%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does American Southwest Credit Union operate?American Southwest Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join American Southwest Credit Union?Yes, to access services at American Southwest Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, American Southwest Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, American Southwest Credit Union provides members with tools to manage their accounts and build a solid financial history. Does American Southwest Credit Union offer online and mobile banking?Most modern institutions like American Southwest Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.ascu.org. Current American Southwest Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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