(800) 245-0433 PO Box 60651, Montclair, CA 91763

CO-OP Network Shared Branching

Shared Branching 

Retain your increasingly busy current members, and attract new ones, by offering the convenience of widespread branch access and greater person-to-person contact. Extend your reach with shared branching to give your members what they demand. And expand your opportunities to deepen relationships by providing additional products that add new channels for profitability while reinforcing your value as a primary financial institution.

Credit unions often underestimate the cost of inconveniencing their members. Although new channels such as online and mobile are important, the thousands of branches maintained by big national banks offer serious competition for the allegiance of the countless consumers who prize having many convenient places to interact in person with their financial institutions. Through the cooperative power of CO-OP Shared Branching, you can leverage the strength of the fourth largest branch network in the country to retain these most active and profitable members.

More than 1,800 institutions now participate in CO-OP Shared Branching, representing thousands of locations in 50 states. Leverage the economic advantages of this cooperation as part of your branch delivery strategy and you can offer the convenience of an expanded service area, plus service continuity that builds member relationships and bolsters disaster recovery.

CO-OP Shared Branching provides:

CO-OP Shared Branching capabilities include:


New Auto Loans

as low as

2.99%APR*


Used Auto Loans

as low as

3.25%APR*


Church Loans

as low as

4.25%APR*


VISA® Classic

as low as

15.40%APR*


VISA® Platinum

as low as

10.60%APR*


Regular/Special Share

Dividend Rate

0.10%APY*


Youth Share Account

Dividend Rate

0.15%APY*


Christmas Club

Dividend Rate

0.15%APY*

* APR = Annual Percentage Rate. APY = Annual Percentage Yield. All rates are subject to change without notice. See applicable disclosures on rates page.