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Your Arizona Credit Union for Personal & Business Banking
Founded on principles of community and financial empowerment, American Southwest Credit Union operates as a not-for-profit financial cooperative owned by its members. We prioritize member needs over profit margins, offering competitive loan rates, savings products, and personalized financial services. Our commitment extends beyond banking through community initiatives like literacy programs and partnerships with local organizations. With branches across Arizona and access to 5,300 shared branches nationwide, we combine local expertise with nationwide convenience. Our digital banking platform provides 24/7 access to account management, remote check deposit, and financial education resources.Recognized as a Best Credit Union to Work For in 2024, our team brings decades of combined experience in cooperative financial services. We maintain NCUA federal insurance for member accounts up to $250,000 while offering innovative solutions like Zelle payments and sub-account savings tools. Our mission-driven approach focuses on improving members' financial well-being through responsible lending and educational programs. From auto loans to home equity lines of credit, we tailor solutions to meet diverse financial needs. This member-owned structure ensures profits return to members through better rates and enhanced services.
Services
Checking Accounts
Savings Accounts
Auto Loans
Mortgage Loans
Credit Cards
Digital Banking
Business Banking
Personal Loans
HELOCs
Financial Education
Highlights and features
- Member-owned cooperative structure prioritizing community over profits
- NCUA federal insurance covering accounts up to $250,000
- Award-winning digital banking platform with mobile check deposit
- 5,300 shared credit union branches nationwide for convenient access
- Financial literacy programs for all age groups
Associations and certifications
- National Credit Union Administration (NCUA)
What people say
Exceptional customer service
Competitive loan rates
User-friendly mobile app
Community involvement
Financial education resources
Services
Checking Accounts
We offer multiple checking account options including personal, business, and teen accounts with no monthly maintenance fees. Our accounts provide free online bill pay, mobile check deposit, and access to 55,000 surcharge-free ATMs nationwide. Members enjoy features like Round Up Savings integration and sub-account management tools.
Auto Loans
Our auto loan program serves members purchasing new or used vehicles with competitive rates and flexible terms. We offer financing for cars, trucks, motorcycles, and recreational vehicles. Special programs include bad credit assistance and pre-qualification options to help members find affordable payments.
Mortgage Loans
We provide comprehensive home financing solutions including conventional mortgages, VA loans, construction loans, and home equity lines of credit. Our local loan officers assist with purchase and refinance options while offering educational resources to help members understand the home buying process.
Digital Banking
Our digital platform enables 24/7 account access with features like mobile check deposit, bill payment, account aggregation, and real-time transaction alerts. Members can use video banking for face-to-face assistance and secure messaging for document sharing. The app supports budgeting tools and loan application processes.
Financial Education
We offer free financial literacy resources including budgeting worksheets, scam prevention guides, and educational videos for all age groups. Our Build A Budget tool helps members create personalized spending plans while workshops cover topics like credit score improvement and responsible borrowing.
Questions
What makes American Southwest Credit Union different from banks?
As a not-for-profit credit union, we return profits to members through better rates and lower fees. Owned by our members rather than shareholders, we focus on community financial health over corporate profits.
How can I access my accounts outside branch hours?
Our digital banking platform provides 24/7 access to account management, bill payment, and mobile check deposit. Use our mobile app or website to conduct transactions anytime from anywhere.
What loan options exist for members with poor credit?
We offer specialized auto loan programs for members with credit challenges. Our lending team works to find solutions that help rebuild credit while providing necessary financing for vehicles.
Are my deposits insured at American Southwest Credit Union?
Yes, all deposits are federally insured up to $250,000 by the National Credit Union Administration (NCUA), with additional coverage through our membership in the Allpoint ATM network.
How do I become a member?
Membership requires living, working, or worshiping in specific Arizona counties. A $10 deposit opens a membership, granting access to all financial products and services.
What digital banking features are available?
Our mobile app offers remote check deposit, bill payment, account aggregation, budgeting tools, and secure messaging. Video banking provides face-to-face assistance during business hours.
