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Shared Branching

More Branches than Bank of America or Wells Fargo Bank?  
You betcha...We are Convenient!!

South Bay Credit Union has joined together with hundreds of credit unions nationally and internationally in a cooperative effort to bring you a new choice in financial convenience, the CU Service Centers Network.  You can now perform many South Bay Credit Union banking transactions at 6,800 credit union branches and self service locations including cash withdrawals, cash and check deposits, get a printout of recent account history and at many locations, purchase money orders/cashiers checks or teller checks.   Use our convenient locator tool to find a participating branch near you, be sure to check the services that branch offers and head on down.  On vacation or relocating?  No problem, find a CO-OP Service Center location near you for one time or to use over and over. 

How Do I Access My Account at a Shared Branch Location?

You need three (3) things when you visit a partner credit union CU Service Center location:  (1) the name of your credit union "South Bay Credit Union" (2) your account number from the membership card or account statement, not a debit card and (3) a current, unexpired, valid Government Issued picture ID with signature.  We may know you but our partner credit union doesn't and they usually have limited information to look you up.  We want to keep your account safe so we keep the info minimal. 

What Can I Do at a Shared Branch Location?

All shared branches accept cash or check deposits, account withdrawals up to $500 per day, loan payments, and loan advances.  These transactions are free for you.  Other services that are available at most locations include either VISA or MasterCard Cash Advances, transfers between sub-accounts, recent account transaction print-outs, teller check/money order withdrawals, and fax services.  Some locations even sell travelers checks and provide notary services.   The partner credit union may charge a fee for some of these services.  Please check with the partner credit union for details.   

How Do I Find a Shared Branch Location?

Look for the CU Service Center logo at any credit union branch.  Or you can access the locator for nearby locations.  We have a Shared Branching locator on our home page too...just plug in your address or zip code and we'll tell you the nearest location.  Many 7-11 stores have the Vcom Kiosk center that can be used for deposits and withdrawals 247.  And, if you have a smart phone, you can download theiPhone or Android APP for mobile access.  Lastly, please add the phone locator to your contact list 888-CU-SWIRL just in case you want to call for a nearby location. 


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APR=Annual Percentage Rate. Sample auto loan of at 48 months, for well qualified borrowers. Sample 0.00% APR credit card balance
transfers for 6 months. Purchases and cash advances are subject to standard rates. All loans subject to borrower and property qualifications. Not all applicants
may be approved. Loan and deposit rates are subject to change without notice. Conditions, restrictions, and terms may apply.

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