The Benefits of Credit Union Shared Branching
- Options Credit Union
- Aug 28
- 2 min read
At Options Credit Union, we believe convenience should always be part of your membership. That’s why we participate in the Credit Union Shared Branching Network—a nationwide system that allows you to access your accounts at thousands of credit union branches across the country. Whether you’re traveling, moving, or just need a branch closer to work, shared branching makes managing your finances easier than ever.
What is Shared Branching?
Shared branching is a network of participating credit unions that give members access to their accounts at any of the locations in the system. You’re not limited to your “home” credit union’s branches—you can walk into thousands of other credit unions and be treated just like you’re at home.
Benefits of Shared Branching
1. Nationwide Access
With more than 5,000 participating credit unions and branch locations, you’re never far from friendly service. This is especially helpful for members who travel often, snowbirds who live part of the year in another state, or students attending college out of town.
2. In-Person Service Wherever You Are
Sometimes you just need a face-to-face transaction. Shared branching lets you work with a real teller even when you’re nowhere near your credit union’s main branch.
3. Everyday Transactions Made Easy
At a shared branch location, you can:
Make deposits and withdrawals
Transfer funds between accounts
Make loan payments
Check balances and more!
4. Peace of Mind While Traveling
Life doesn’t pause when you’re away from home. Shared branching ensures you can still access your funds, cover an unexpected expense, or handle financial business no matter where you are.
5. A Member-First Network
Shared branching is unique to credit unions—it’s something banks simply don’t offer. It’s another way we work together as not-for-profit cooperatives to give members more value, convenience, and service.
When Shared Branching Comes in Handy
On vacation: Need cash while traveling? Stop by the nearest shared branch.
College students: Manage accounts while away at school without opening a new bank account.
Moving or commuting: If your new home or job is closer to another participating credit union, you can still take care of business in person.
Unexpected situations: From natural disasters to personal emergencies, having access to thousands of branches nationwide gives you added financial security.
Your Credit Union, Everywhere You Go
Shared branching is just one of the ways Options Credit Union puts your needs first. We’re committed to giving you the tools, access, and convenience you deserve—without sacrificing the personalized service that makes us different.
Ready to find a shared branch near you? Visit co-opcreditunions.org/locator or use the CO-OP Shared Branch mobile app.
