|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 American Southwest Credit Union Rates & Review November 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 and Verified: October 30, 2026
American Southwest Credit Union's 13 Month New Money TSC rates are at 4.25%, 12 Month TSC or IRA TSC rates are at 3.45%, Term CD (Non-Relationship Pricing) - 12 Month TSC or IRA TSC rates are at 3.45%, 48 Month TSC or IRA TSC rates are at 3.40%, Term CD (Non-Relationship Pricing) - 48 Month TSC or IRA TSC rates are at 3.40%. American Southwest Credit Union's money market rates are at 3.00%. American Southwest Credit Union's RV, Boat and Powersport Loan Rates are as low as 7.74%. American Southwest Credit Union's CD rates are 14% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 3.90%. Rates last updated and verified on 10/30/2026. 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  Customer Reviews
Be the first to review
Write a Review
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. American Southwest Credit Union CD Rates
American Southwest Credit Union Savings Rates
American Southwest Credit Union Money Market Rates
American Southwest Credit Union Checking Rates
American Southwest Credit Union Business Checking Rates
American Southwest Credit Union Auto Loan Rates
American Southwest Credit Union RV, Boat and Powersport Loan Rates
Financial Health HistoryAmerican Southwest Credit Union’s Texas Ratio stayed near 3.52% in Q3 2023 to 3.90% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by
MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
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
79
Part-Time Employees
8
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+ (98/100)
Texas Ratio
3.90%
Return on Assets (ROA)
0.7815%
Return on Equity (ROE)
6.9108%
Non-Performing Loans Ratio (NPL)
0.88%
Total Assets
439,977,000
Total Amount of Shares and Deposits
388,655,783
Total Shares and Deposits < 1 Year
370,667,783
Total Shares and Deposits 1 3 Years
15,413,000
Total Shares and Deposits > 3 Years
2,575,000
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
43,336,574
Total Uninsured Shares and Deposits > $250K (F+J)
43,336,574
Total Insured Shares and Deposits > $250K (item 17 less item K)
345,319,209
Total Interest Expense (Sum of items 6 8)
1,987,458
Share Certificates
1,845
Number of Accounts for Share Drafts
18,517
IRA KEOGH Accounts
449
Number of Accounts for Regular Shares
34,674
All other shares
3,370
Money Market Shares
813
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
39,579,550
Total Liabilities
390,857,108
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for American Southwest Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for American Southwest Credit Union
Frequently Asked Questions About American Southwest Credit UnionDoes American Southwest Credit Union offer CDs?Yes. American Southwest Credit Union current CD rates include its 13 Month New Money TSC CD at 4.25% APY, its 12 Month TSC or IRA TSC CD at 3.45% APY and its Term CD (Non-Relationship Pricing) - 12 Month TSC or IRA TSC at 3.45% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from American Southwest Credit Union NCUA insured?Yes. American Southwest Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at American Southwest Credit Union?The highest American Southwest Credit Union CD rate is its 13 Month New Money TSC CD at 4.25% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does American Southwest Credit Union offer?American Southwest Credit Union CD rates are 3.45% APY for a 12 month CD, 4.25% APY for a 13 month CD, 3.10% APY for an 18 month CD, 3.15% APY for a 2 year CD, 3.40% APY for a 4 year CD and 3.20% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with American Southwest Credit Union for its full lineup. What is the highest money market rate at American Southwest Credit Union?The highest American Southwest Credit Union money market rate is its MAX Money Market at 3.00% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest auto loan rate at American Southwest Credit Union?The lowest American Southwest Credit Union auto loan rate is its Boat, Camper, RV Loans and Trucks over 1.5 Tons at 7.74% APR, verified by MonitorBankRates as of October 30, 2026. 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. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do American Southwest Credit Union rates compare?American Southwest Credit Union's CD rates are 14% higher than the MonitorBankRates national average, and it has an A+ health rating. American Southwest Credit Union's top rates are its 13 Month New Money TSC CD at 4.25% APY, its MAX Money Market at 3.00% APY and its Boat, Camper, RV Loans and Trucks over 1.5 Tons at 7.74% APR, verified by MonitorBankRates on October 30, 2026. Current American Southwest Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Space Age Credit Union
Coosa Valley Credit Union
XCEL Federal Credit Union
Alternatives Federal Credit Union
Members Credit Union
Brown Forman Employees Credit Union
Alliant Credit Union
L and N Federal Credit Union
Corning Glass Works Harrodsburg Federal Credit Union
FirstEnergy Family Credit Union
International UAW Credit Union
Toledo Metro Credit Union
Skyline Financial Federal Credit Union
Guadalupe Credit Union
ST Martin De Porres Parish Credit Union
Red Wing Credit Union
Sunmark Credit Union
Riverside Community Credit Union
Southwest Airlines Federal Credit Union
North Towns Credit Union
TVA Mid-South Federal Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Rate Assistant
MonitorBankRates.com · Live Data
Try asking