Shared branching

Access to thousands of credit union branches nationwide

As a member of STCU, you have access to thousands of shared branching locations nationwide, including some of the most popular and easy-to-access credit unions of the Inland Northwest.

A shared branching location is a credit union office that agrees to handle financial transactions for members of other participating credit unions. That means you can complete most transactions at a shared branching location just as if you were visiting your favorite STCU branch location.

Try it! Shared branching is free to STCU members. Some locations are even open on Saturday.*

Mobile search

Download the STCU mobile app and locate shared branching locations on the go. Or visit the convenient STCU mobile site  locations page to search by address, city, or zip code.

How to use shared branching:

  1. Visit the shared branching location of your choice.
  2. Present your account number to the teller.
  3. Show a piece of U.S. government-issued picture ID.
  4. Complete your transaction.

Quick Drop instructions

When making a transaction through a shared branching Quick Drop box, please include the full name of "Spokane Teachers Credit Union" on your check, deposit slip, or other forms and instructions. This will ensure prompt and accurate recording of your transaction. Check ahead: Some credit unions do not permit Quick Drop transactions.

Each transaction you make will be automatically recorded on your STCU account statement, using the same technology that keeps track of your ATM transactions.

All the Inland Northwest credit unions listed below participate in shared branching. Simply bring your account number and government-issued ID to visit any participating location free of charge.*

Shared branching participants





Spokane Federal

STCU (click for branch locations)


United Health Services

Locate shared branching nationwide

Download shared branching locator app for iPhone
Download shared branching locator app for Android phones

How the network works

Shared branching locations are owned and operated by local credit unions that have joined the CO-OP shared branching network. As a member of the network, each credit union agrees to handle financial transactions for members of other participating credit unions at no charge.*

Your membership and account remains at STCU when you use a shared branch, but the network lets you access your accounts and conduct business at hundreds of shared branching locations.

*Fees and drive-through lanes

Normal fees for certain products and services may apply at non-STCU branches. Please ask first about any potential fees before your transaction is processed at any shared branching location.

To maintain the best security practices, some credit unions do not permit shared branching transactions from their drive-through lanes. Please check ahead, if possible, for the branch lobby hours.

Supported transactions

  • Make a deposit
  • Withdraw funds
  • Get cash
  • Make a loan payment
  • Transfer money
  • Get a statement printout
  • Pick up traveler's checks
  • Purchase money orders