Shared branching

Access to thousands of credit union branches

STCU members have access to more than 5,000 participating shared branching locations nationwide.

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

Make a deposit
Withdraw funds
Make a loan payment
Transfer money
Get a statement printout
And more!

Each transaction is recorded on your STCU statement, and most shared branching transactions are free to members.*

How it works:

  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: Include the full name "STCU" on your check, deposit slip, or other forms and instructions left in a Quick Drop at any shared branching location. This ensures prompt and accurate recording of your transaction. Note: Not all credit unions permit Quick Drop transactions.)

Shared branching participants

The Inland Northwest credit unions listed below participate in shared branching:

Cheney Federal
Spokane Federal
Spokane Media
STCU (click for branch locations)

Join the movement

Shared branching locations are owned and operated by local credit unions that participate in the national CO-OP Network. Your membership and account remains at STCU, but the Co-Op network provides secure access to your accounts at remote shared branching locations to conduct business wherever you go. Search for shared branching locations nationwide

Mobile search

Download the STCU mobile app and locate shared branching locations from your device round-the-clock. You can also download Co-Op Network's shared branching locator app for iPhones or Android phones.


*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 processing your transaction. Some credit unions do not permit shared branching from their drive-through lanes.