Credit union · NCUA insured
American Southwest Credit Union CD Rates
American Southwest Credit Union’s best CD rate is 4.25% APY on a 13-month share certificate (CD), with extra requirements. Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How American Southwest Credit Union’s CD rates compare
Compared with banks and credit unions near Sierra Vista, AZ, where American Southwest Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
American Southwest Credit Union
4.25%APY
- Term
- 13 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $461
Term Share Certificates
Top rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
3rd-highest rate
PNC
4.25%APY
- Term
- 13 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $461
American Southwest Credit Union CD score
73
CD score
Higher than 33% of U.S. banks and credit unions
- 3–8 months3–8 mo2.95%
- 16–30 months16–30 mo3.20%
- 31–60 months31–60 mo3.30%
- QualifiedQualified4.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where American Southwest Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Term Share Certificates
Up to 4.25%APY · 9 terms
Term Share Certificates offer terms from 6 months to 5 years (plus promotional specials). No monthly service charges. Dividends are calculated by the daily balance method, compounded and credited monthly. Penalty may apply for early withdrawal.
| Term | APY · $500 and up | APY · $1,000 and up | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 monthsNon-relationship pricing | 2.95% | — | — | 2.95% | $146 |
| 6 monthsRelationship pricing requires an active checking account with direct deposit or regular recurring deposit to checking | 3.00% | — | 3.05% | 3.00%3.05% from $10k | $149 |
| 12 monthsRelationship pricing requires an active checking account with direct deposit or regular recurring deposit to checking | 3.45% | — | 3.45% | 3.45%3.45% from $10k | $345 |
| 13 monthsSpecial rate; $1,000 minimum, no maximum. New money only; funds currently on deposit at American Southwest Credit Union are not eligible | — | 4.25% | — | 4.25% | $461 |
| 18 monthsNon-relationship pricing | 3.10% | — | — | 3.10% | $469 |
| 18 monthsRelationship pricing requires an active checking account with direct deposit or regular recurring deposit to checking | 3.15% | — | 3.20% | 3.15%3.20% from $10k | $476 |
| 24 monthsNon-relationship pricing | 3.15% | — | — | 3.15% | $640 |
| 24 monthsRelationship pricing requires an active checking account with direct deposit or regular recurring deposit to checking | 3.20% | — | 3.25% | 3.20%3.25% from $10k | $650 |
| 30 monthsNon-relationship pricing | 3.20% | — | — | 3.20% | $819 |
| 30 monthsRelationship pricing requires an active checking account with direct deposit or regular recurring deposit to checking | 3.25% | — | 3.30% | 3.25%3.30% from $10k | $832 |
| 36 monthsNon-relationship pricing | 3.25% | — | — | 3.25% | $1,007 |
| 36 monthsRelationship pricing requires an active checking account with direct deposit or regular recurring deposit to checking | 3.30% | — | 3.35% | 3.30%3.35% from $10k | $1,023 |
| 48 monthsNon-relationship pricing | 3.30% | — | — | 3.30% | $1,387 |
| 48 monthsRelationship pricing requires an active checking account with direct deposit or regular recurring deposit to checking | 3.35% | — | 3.40% | 3.35%3.40% from $10k | $1,409 |
| 60 monthsNon-relationship pricing | 3.20% | — | — | 3.20% | $1,706 |
| 60 monthsRelationship pricing requires an active checking account with direct deposit or regular recurring deposit to checking | 3.25% | — | 3.30% | 3.25%3.30% from $10k | $1,734 |
Sources (2)
All captured Oct 22, 2026
Special-purpose accounts
IRA Certificates
Up to 3.45%APY · 8 terms
IRA Certificates offer terms from 6 months to 5 years. No monthly service charges. Dividends are compounded and credited monthly. Penalty may apply for early withdrawal.
| Term | APY · $500 and up | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsNon-relationship pricing | 2.95% | — | 2.95% | $146 |
| 6 monthsRelationship pricing requires an active checking account with direct deposit or regular recurring deposit to checking | 3.00% | 3.05% | 3.00%3.05% from $10k | $149 |
| 12 monthsRelationship pricing requires an active checking account with direct deposit or regular recurring deposit to checking | 3.45% | 3.45% | 3.45%3.45% from $10k | $345 |
| 18 monthsNon-relationship pricing | 3.10% | — | 3.10% | $469 |
| 18 monthsRelationship pricing requires an active checking account with direct deposit or regular recurring deposit to checking | 3.15% | 3.20% | 3.15%3.20% from $10k | $476 |
| 24 monthsNon-relationship pricing | 3.15% | — | 3.15% | $640 |
| 24 monthsRelationship pricing requires an active checking account with direct deposit or regular recurring deposit to checking | 3.20% | 3.25% | 3.20%3.25% from $10k | $650 |
| 30 monthsNon-relationship pricing | 3.20% | — | 3.20% | $819 |
| 30 monthsRelationship pricing requires an active checking account with direct deposit or regular recurring deposit to checking | 3.25% | 3.30% | 3.25%3.30% from $10k | $832 |
| 36 monthsNon-relationship pricing | 3.25% | — | 3.25% | $1,007 |
| 36 monthsRelationship pricing requires an active checking account with direct deposit or regular recurring deposit to checking | 3.30% | 3.35% | 3.30%3.35% from $10k | $1,023 |
| 48 monthsNon-relationship pricing | 3.30% | — | 3.30% | $1,387 |
| 48 monthsRelationship pricing requires an active checking account with direct deposit or regular recurring deposit to checking | 3.35% | 3.40% | 3.35%3.40% from $10k | $1,409 |
| 60 monthsNon-relationship pricing | 3.20% | — | 3.20% | $1,706 |
| 60 monthsRelationship pricing requires an active checking account with direct deposit or regular recurring deposit to checking | 3.25% | 3.30% | 3.25%3.30% from $10k | $1,734 |
Sources (2)
All captured Oct 22, 2026
Who can join American Southwest Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or attend school in Cochise, Gila, Graham, Greenlee, Pima, Pinal, or Santa Cruz Counties, Arizona are eligible for membership.
Employers and groups
- Employees of American Southwest Credit Union are eligible for membership.
Family and household
- Immediate family members of eligible persons are eligible for membership.
- Spouses of persons who died while within the field of membership of American Southwest Credit Union are eligible for membership.
Other ways
- Businesses and other legal entities located within Cochise, Gila, Graham, Greenlee, Pima, Pinal, and Santa Cruz Counties, Arizona are eligible for membership.
- Members of record of the credit union as of May 14, 2024 are eligible for membership.
2 more ways to join
Other ways
- Organizations of eligible persons are eligible for membership.
- Persons or organizations sponsored by members of the credit union are eligible for membership.
Cost to join
- A one-time deposit of $10 is required to join.
Membership information collected October 4, 2026.