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PaCUSC Products - PaCUSC Shared Branching

Access is everything.  Banking technology advances, but one thing remains the same:  regardless of demographics, your members and prospective members continue to place a high value on physical access to convenient branches.  You can provide that to them through PaCUSC Shared Branching.

Expanding your footprint to compete with the large branch systems of national and community-based banks doesn’t require a new investment in brick and mortar.  Shared branching offers your credit union the most cost-efficient way to extend your reach and provide the personal connection that sets the credit union movement apart.

With shared branching, members can:

  • Access their accounts in person through any one of the participating branches nearly anywhere—whether they’re on a short weekend getaway or a long-term visit to another state for the season.
  • Conduct real-time transactions during the most important times, whether across town or across the country.
  • Retain their membership with your credit union for life, even if they relocate to a new city.
  • Receive the assurance that your credit union will be there for them, even while in military service, including overseas deployments and transfers to other bases.
  • Rely on access to your credit union through participating branches during natural disasters or local outages.


As the nation’s third-largest financial institution branch network, and the only one with locations in all 50 states, shared branching combines vast geographical convenience with the key services your members expect from a big-bank branch system.

Make the most of your resources.

  • Shared branching frees your credit union from the expense of building and supporting brick and mortar branches, while providing a vital channel that deepens relationships, enhances revenue, and builds member loyalty.
  • You can generate income and show your cooperative spirit by adding your own branches to the network.
  • You gain a network of branches with the consistency members look for and depend on.
  • You can moderate the impact of changing economic conditions, because network costs are distributed across 1,700 participating institutions.
  • You can apply money you might have invested in new locations to expanding the variety and diversity of access points that connect members to your credit union.
  • You can benefit from the added value of CO-OP Shared Branching programs that include:
    • Marketing support
    • Secret Shopper program
    • Reporting
    • Locator services

Cooperation has driven the credit union movement since its inception. By joining us and leveraging that power from coast to coast, shared branching ensures that wherever your members need you, you can be there.

For more information on Shared Branching, contact or 1-800-932-0661.


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