Credit union · NCUA insured
Cochise Credit Union
Top CarrotA $76.8M credit union headquartered in Willcox, AZ, with 5,840 members and 1 branch in Arizona. Best rates: CDs 4.10% and savings 1.66% APY.
Cochise Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 81% of U.S. banks and credit unions
#3 of 12 in Sierra Vista, AZ metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Cochise Credit Union
Cochise Credit Union was state chartered in 1958 in Willcox, Arizona, to serve the financial needs of Sulphur Springs Valley Electric Cooperative employees and their families.
Headquartered in Willcox, Arizona, the credit union operates a single branch serving more than 5,000 members.
- Headquarters
- 580 N Haskell Ave, Willcox, AZ 85643
- NCUA charter
- 60151
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals residing or working in zip codes 85643, 85644, 85625, 85605, 85606, and 85632 are eligible for membership.
Employers and groups
- Employees of Sulphur Springs Valley Electric Cooperative (SSVEC), Arizona Electric Power Cooperative (AEPCO), Sierra Southwest Cooperative Services, and Valley Telecom Group are eligible for membership.
Family and household
- Immediate family members of employees of Sulphur Springs Valley Electric Cooperative (SSVEC), Arizona Electric Power Cooperative (AEPCO), Sierra Southwest Cooperative Services, and Valley Telecom Group are eligible for membership.
- Immediate family members of individuals residing or working in zip codes 85643, 85644, 85625, 85605, 85606, and 85632 are eligible for membership.
Cost to join
- Open a Share Account with a deposit of $25 and maintain a balance of at least $25 at all times.
Branches
1 branch in Arizona
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Arizona
1 branch
- Cochise Credit UnionMain office580 N Haskell Ave, Willcox, AZ 85643Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 17.73% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.29% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 2.02% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $78 | $59 | — |
- CapitalNet worth ratio17.73%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.29%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets2.02%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$78Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Cochise Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.