Pennsylvania Credit Union Association

Pennsylvania Credit Union Service Centers, Inc.

Pennsylvania Credit Union Service Centers, Inc. (PaCUSC) provides assistance to any Pennsylvania or Delaware credit union interested in joining the national shared branching network.

As part of the CO-OP Shared Branch network, credit unions from all over the country "share" branch facilities, giving members the ability to conduct personal teller transactions.  Members of participating credit unions have access to their credit union accounts at over 5,000 offices nationwide. Members access their account by providing government-issued photo identifcation, such as a driver's license or U.S. passport.  They will also need the name of the participating credit union, along with their account number.  Members can conduct a range of teller transactions, such as:
  • Deposits
  • Withdrawals
  • Loan Payments
  • Transfers
The national CO-OP Shared Branch network is administered by CO-OP Financial Services.  Credit unions that provide shared branching capability to their own members are considered “Issuers”. There is a fee to the credit union associated with member transactions at shared branches. Credit unions that provide shared branching to members of other credit unions through one or more of their existing branch offices are considered “Acquirers”. Those credit unions earn fee income in exchange for providing service to members from participating credit unions (Issuers). Credit unions can be an “Issuer” or both an “Issuer” and an “Acquirer”. A credit union can initially offer shared branching capability to their members as an “issuer” and decide to offer their branch offices to members of other credit unions as an “acquirer” at any point in the future. Some credit unions make the decision to become an issuer and acquirer at the same time. Becoming both an issuer and acquirer helps promote the cooperative nature of the national credit union movement, and helps to offset the cost associated in providing shared branching capability to your own members.

Credit unions that join shared branching are able to offer members much more than a national network of branches. Credit unions that join shared branching can also offer additional services using the shared branching connection, such as self-service kiosks or mobile banking services. Based on the shared branching infrastructure, CO-OP Mobile Banking requires no installation or licensing fee, only a developmental fee for download application options.

PaCUSC is a CUSO owned by Pennsylvania credit unions, the Pennsylvania Credit Union Association and Pacul Services, Inc., the service corporation of the Pennsylvania Credit Union Association.

Everence Federal Credit Union Uses CO OP Network and CO OP Shared Branching To Increase Accessibility and Accounts

Everence Federal Credit Union is a $125 million credit union headquartered in Lancaster, PA, with 12 branches and nine ATMs spread across five states.

Established in 2000 as Mennonite Financial Federal Credit Union, its initial charter served the Mennonite and Amish communities throughout the country. Now open to individuals and groups who “desire to integrate faith and values into their financial decisions,” Everence FCU’s 16,000 members are located in 49 states and 17 countries.

With guidance from the Pennsylvania Credit Union Association (PCUA), Everence FCU joined CO-OP Network in November 2006. Everence FCU’s experience with the CO-OP Network laid the groundwork to later join COOP Shared Branching in February 2008. “Shared branching allows our members to conduct transactions within a partner credit union’s branch, and  guarantees that they’ll receive the same level of service as if they were at one of our own,” according to CEO Kent Hartzler. “Because of shared branching, we can promote and offer our unique, values-related services to members in areas where we aren’t physically located, and we’ve experienced new membership growth in areas where we don’t have our own branches.  Our members benefit from having conveniently-located shared branches to visit to take advantage of these services. Shared branching is essentially an extension of our credit union.”

Prior to joining CO-OP Network and CO-OP Shared Branching, Everence FCU averaged 49 new members and 33 new checking accounts per month. Now, it averages 77 new members and 39 new checking accounts per month. Everence FCU has seen its membership grow by 60%; checking accounts have increased by 21% and its asset size grew by 53%

Click here for the full case study on Everence FCU - Bridging the Gap between Members and Access Points.

For more information on PaCUSC and Shared Branching,
contact or 800-932-0661.