Credit union · NCUA insured
American Southwest Credit Union Savings Rates
American Southwest Credit Union’s best savings rate is 0.15% APY on $10,000, with its FLEX Money Market Account. Rates checked October 22, 2026.
How American Southwest Credit Union’s savings 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
0.15%APY
- Requires
- None
- Minimum
- $2,000
- Earns on $10,000 a year
- $15
FLEX Money Market Account
Top rate
Vantage West Credit Union
4.00%APY
- Requires
- Another account
- Minimum
- $10,000
- Earns on $10,000 a year
- $400
2nd-highest rate
WaFd Bank
3.82%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $382
American Southwest Credit Union savings score
68
Savings score
Higher than 21% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0001.75%
- QualifiedQualified0.15%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
MAX Money Market Account
0.25%APY
No monthly account fees. Minimum $100,000 opening balance (no minimum after opening). Penalties may apply for early withdrawal.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000Applies if balance falls below $100,000 ($99,999.99 max tier). Term: Daily. Compounding Period: Quarterly. | 0.25% | $25 | Applies if balance falls below $100,000 ($99,999.99 max tier). Term: Daily. Compounding Period: Quarterly. |
| $100,000 and upTerm: Daily. Compounding Period: Quarterly. | 1.75% | — | Term: Daily. Compounding Period: Quarterly. |
| $250,000 and upTerm: Daily. Compounding Period: Quarterly. | 2.25% | — | Term: Daily. Compounding Period: Quarterly. |
| $500,000 and upTerm: Daily. Compounding Period: Quarterly. | 2.50% | — | Term: Daily. Compounding Period: Quarterly. |
| $1,000,000 and upTerm: Daily. Compounding Period: Quarterly. | 3.00% | — | Term: Daily. Compounding Period: Quarterly. |
Sources (2)
All captured Oct 22, 2026
FLEX Money Market Account
0.15%APY
No monthly account fees. Minimum $2,000 opening balance (no minimum after opening). Dividends are calculated using the daily balance method and paid quarterly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,000 and upCompounding period is quarterly. Term: Quarterly. | 0.15% | $15 | Compounding period is quarterly. Term: Quarterly. |
| $20,000 and upCompounding period is quarterly. Term: Quarterly. | 1.00% | — | Compounding period is quarterly. Term: Quarterly. |
| $50,000 and upCompounding period is quarterly. Term: Quarterly. | 1.25% | — | Compounding period is quarterly. Term: Quarterly. |
| $100,000 and upCompounding period is quarterly. Term: Quarterly. | 1.50% | — | Compounding period is quarterly. Term: Quarterly. |
Sources (2)
All captured Oct 22, 2026
Regular Shares
0.05%APY
One share = $5. Minimum balance to maintain account is $5.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMinimum balance to earn dividends is $50. Compounding period is quarterly. Dividends calculated using daily balance method.$50 and up | 0.05% | $5 | Minimum balance to earn dividends is $50. Compounding period is quarterly. Dividends calculated using daily balance method. |
Sources (2)
All captured Sep 16, 2026
Special-purpose accounts
IRA Share Account
0.20%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upEffective July 1, 2026$50 and up | 0.20% | $20 | Effective July 1, 2026 |
Sources (2)
All captured Sep 16, 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.