top of page



Welcome to CO-OP Shared Branch through the CAFCU
You can now access your CAFCU account at more than 5,400 branch locations around the nation!

We know how important it is for you to be able to take care of your financial business when you want, even if our branch isn’t nearby or open for business. Shared branching is ideal for members who travel on business or pleasure, have children away at college, or relocate out of state. For any situation, it is easy and convenient. That’s why the CAFCU is now part of “shared branching” - through our partnership with other credit unions; you can conduct transactions in participants’ branches just as if you were at the CAFCU.


A variety of services are available*
Deposits and withdrawals
Transfers between accounts
Account/loan inquiries
Loan payments
Statement prints
Extended hours of access
*Additional rules may apply for you to transact business on your account.

All participating credit unions display the CO-OP Shared Branch logo. Just make sure to look for the CO-OP Shared Branch logo like the one above.

You can find a nearby branch in several ways:
Call: 1-888-SITE-CO-OP (888-748-3266) to find a location by telephone
Visit to search for locations wherever you may be


May I decline participation in the CO-OP Shared Branch Network?
Yes, you may opt out of the shared branch access by contacting the CAFCU directly by telephone, by message through our Virtual Branch system, or by filling out this form and mailing it directly to us.

How do I access my account?
You must be prepared to provide three things when you visit a CO-OP Shared Branch location:
The name of your credit union: California Adventist Federal Credit Union

Your Account Number - if unsure please verify before you go
A current, unexpired, VALID Government-issued picture identification with signature*
State-issued driver's license or identification card (temporary extensions are not accepted)
U.S. Passport
City, State, County or Federal ID card or badge (may require additional form of identification)
U.S. Armed Forces Identification Card or the new Smart Identification card without signature
Resident Alien Card issued by the INS
Have these items available to present to the teller. All transactions require identification.** The participating credit union will ask for valid identification because the CO-OP Shared Branch network cares about protecting your identity and account information.

If you have questions regarding your account or transactions that were performed through the CO-OP Shared Branch network, please contact CAFCU directly.

*Some foreign identification may be accepted based on CO-OP Shared Branch policies.
**Identification information for the person completing the transaction may be noted on the receipt.

How are holds and deposited funds handled?
The funds you deposit at the CO-OP Shared Branch locations may not be available for immediate withdrawal from your credit union account. In addition, holds placed at a CO-OP Shared Branch location may be extended by CAFCU if the availability of the funds cannot be verified.
Can I place stop payments?
Stop Payments – CCU

The CO-OP Shared Branch location CANNOT accept a stop payment request on your checking account. You must contact Collegedale Credit Union.
Stop Payments – Shared Branch Location Checks

If you need to place a stop payment on a check you obtained from the CO-OP Shared Branch location, such as a cashier's check, money order or official check, you must contact the CO-OP Shared Branch location where you obtained the check. There will be a waiting period not to exceed 90 days before funds can be released. You may be required to complete an indemnity agreement. Fees may apply.

What services are available?
Unless a check is drawn on the Shared Branch location, it cannot be cashed outright. Checks must be deposited and then withdrawn, subject to the funds availability policies mentioned above.

Cash Deposits
Cash deposits must be made in US dollars.
Check Deposits
Payroll Check - If you deposit a payroll check, make sure you have your payroll check stub with you to verify your deposit
All checks must be in U.S. dollars and payable through the U.S. Federal Reserve Bank
All checks must be properly endorsed when presented for deposit

The CO-OP Shared Branch location reserves the right to refuse acceptance of any item presented for deposit or payment.

Joint Party Checks: For any check made payable to two or more parties where only one party is the owner of the account, all must be present, all must endorse the check and all must have proper, valid identification.


Cash withdrawals may be limited to $500 per day.
Loan Payments and Loan Advances
Loan payments can be made by cash or check; however, there may be restrictions placed on your loan account by CAFCU for access through the CO-OP Shared Branch network.
Loan advances can be made by cash or check; however, the cash limit may be set at $500 per day or by your Line of Credit limit set by CAFCU – whichever is less.
VISA Cash Advances
You may request a cash advance on your VISA account if the service is available. Please have your VISA plastic card with you when you visit the CO-OP Shared Branch location. The card company(s) the location supports should be posted on the door.
Can I transact on a minor account?
No. All minor (under legal age) accounts are inaccessible due to security concerns.

Additional Services Available
Transfers between Sub-Accounts
Transfers can be processed within your own credit union account.
Transfers into different accounts are allowed as long as you are an owner. The transfers will be handled as a deposit/payment or as a withdrawal/loan advance.
Statement Prints
Referred to as transaction history. The last ten transactions will be printed including your balance. This service may not be available at all locations.

Did you know that your transaction history is available 24/7 through our Virtual Branch Home Banking, Mobile Banking, or Audio Response? Sign up for these services today!

bottom of page