CO-OP Shared Branching / Find a Credit Union Shared Branch

CO-OP credit union shared branch helps members access essential in-person banking services wherever they go. It includes thousands of participating branches nationwide and spans credit unions of all sizes.

Find Shared Branch

A CO-OP credit union shared branch is where members from one credit union can perform banking transactions at another credit union. You can access thousands of branches all across the United States.

What is a Credit Union Shared Branch?

If your credit union participates in the shared branch network, you can visit participating CO-OP locations nationwide. Hundreds of credit unions participate in the CO-OP shared branching network, which has more than 5,000 branch locations—more than the location’s national big banks.

What is the CO-OP Shared Branch Network?

CO-OP Shared Branch Network is a collaborative initiative among credit unions. It allows members to access in-person banking services at thousands of participating branches nationwide. Shared branching enables credit union members to conduct various transactions, including deposits, withdrawals, transfers, and more, regardless of their home credit union.

Credit unions choose to participate in the Shared Branch Network. Think of it as the credit union cooperative spirit at work.

How Shared Branching Works

Shared branching allows credit union members to access in-person banking services at any participating branch within the CO-OP Shared Branch Network. By presenting their credit union account information and valid identification, members can conduct various transactions as if they were at their home credit union branch.

Who Can Use Shared Branches?

CO-OP Shared Branch Network is available to members of participating credit unions. Whether traveling, relocating, or simply seeking greater banking flexibility, shared branching offers a convenient solution for credit union members to access essential banking services nationwide.

How to Use a CO-OP Shared Branch Location

Ask your credit union about shared branching. Your credit union must participate in the program to access CO-OP shared branching locations near you.

What do you need to bring to the credit union shared branch?

  1. A valid government-issued ID, such as a driver’s license or passport.
  2. The name of your credit union and your membership number or account number.

With shared branching, you can:

  • Get a copy of your account history
  • Make deposits
  • Withdraw money
  • Make loan payments
  • Transfer funds
  • Cash checks

Some locations offer additional services, including the purchase of money orders, cashier’s checks, or notaries.

With shared branching, you cannot:

  • Open additional accounts
  • Request support to service your accounts
  • Dispute transactions
  • Report your debit or credit card lost
  • Request for fee reversals
  • Apply for a loan

Shared branching locations cannot help you with servicing your accounts. You must contact your credit union for any of your non-transactional needs.


While shared branching typically does not incur additional fees for credit union members, it’s essential to be mindful of any fees associated with specific transactions, such as non-sufficient funds (NSF) fees or account maintenance fees, which may vary depending on the member’s home credit union.

Where is CO-OP Shared Branch Available?

CO-OP Network boasts thousands of participating branches nationwide, spanning credit unions of all sizes. With extensive coverage across the United States, shared branching offers unparalleled accessibility for credit union members seeking in-person banking services.

How to Find a Credit Union Shared Branch Location

  • Visit your credit union’s website or mobile app and search for branch locations. It will populate shared branching near you.
  • Locate a CO-OP shared branch near you by visiting sharedbranching.org.

Want to find a credit union near you? Visit the marketplace.

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