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The Benefits of Credit Union Shared Branching

Credit unions strive to be an integral part of the communities they serve, but many don’t have the franchise-like reach of big banks. How can you reach more customers without losing that small business, member-centric approach?

Let’s talk about the benefits of shared branching.

What is Shared Branching?

Tennessee League Shared Branching is a national network of credit unions in the US that share facilities and information in order to give members access to thousands of banking locations to perform transactions and receive financial education and assistance as if they were at their home credit union.

Shared branching allows credit union members to use branches of other credit unions to carry out their business.

Increased Location Access

Access to convenient branches is a high priority for consumers in all demographics. But branch economics are changing. It’s now more challenging than ever to provide local and nationwide branch access while still generating revenue and driving growth.

The Tennessee League Shared Branch network operated through CO-OP allows members of one credit union to perform a range of transactions at another credit union. Through the shared branch network, participating credit unions can serve members in diverse geographical locations, even when they move or travel.

Reduce Friction, Drive Growth

Tennessee League Shared Branch express terminals provide after-hours member access, reduce teller traffic, and can help you leverage your existing investment in ATMs.

Use the Tennessee League Shared Branch program to expand access, generate income, and drive growth for:

  • Convenience that appeals to both new and existing members
  • Member retention through nationwide reach, without a nationwide brick-and-mortar investment
  • Self-service savings through extensive Tennessee League Shared Branch express terminals
  • Income opportunities through increased member engagement as members use more services
  • Incremental Revenue from guest-member visits from your participation as an acquirer

The Tennessee League Shared Branching Program Offers Many Benefits

CO-OP Financial Services publishes this handy FAQ for shared branching which includes the following benefits for your credit union:

  • Deposits
  • Funds withdrawal 
  • Funds transfer between accounts
  • Balance inquiries
  • Processing loan payments and advances
  • Purchasing traveler’s checks, official checks, and money orders at select locations (availability of services and the fees associated with it may vary by location)

View the full list of CO-OP Shared Branching Frequently Asked Questions.

Join the Tennessee League Shared Branching Program Offered Through CO-OP

Few credit unions, regardless of size, have the resources necessary to open and operate enough of their own branch offices to adequately serve their current members and potential members.

The Shared Branching Program is designed to overcome this by developing a nationwide network of shared branches to provide service more efficiently to all credit union members. The shared branch locations are electronically linked, allowing members of participating credit unions to use any shared branch location in the network to conduct business as if they were at a branch of their own credit union.

Interested in learning more about the Tennessee League Shared Branching program? Contact David Griffiths ( or Criss Browning ( at the Tennessee League for more information.

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