Personal Finance

What is CO-OP shared branching?

Date: 10/29/2019
By: Elevations Credit Union
Map with blue pins.

Credit unions have a unique core purpose: to serve all of our members in the best way possible. Membership and community is at our core, and one of the ways this cooperative approach is most apparent is through the nationwide network of CO-OP shared branches and ATMs. This network ensures you can do your banking with the help of another credit union, wherever you may be.

Your Elevations Credit Union membership enables you to complete a range of transactions at more than 5,600 credit union branches and nearly 30,000 fee-free ATMs in all 50 states through the CO-OP network.

What can I do at shared branches?

There are many services available to you when you visit a CO-OP shared branch, including:

  • Deposits 
  • Withdrawals up to $1,500 in
    cash* 
  • Loan payments 
  • Credit card cash advances 
  • Travelers checks and money
    orders** 
  • Notary services** 
  • Fee-free ATMs**

*Cash limit may vary by the credit union

**These services are not available at all locations. The first eight (8) CO-OP ATM transactions per month are surcharge-free. Please refer to our fee schedule for any additional fees. 

Where are the shared ATMs?

You can find CO-OP ATMs across the country in credit unions and national retailers.

There are ATMs at over 8,000 7-Elevens, 1,200 Circle Ks, 1,200 Publix locations, 540 Costcos, 250 Dunkin’ Donuts, 220 Rite Aids and 640 at other retail locations. In addition to these locations, there are six CO-OP ATMs at the Denver International Airport to make banking during your next trip easy.

The number of ATMs in the CO-OP network is unmatched by any other financial institution making it a powerful resource for our members. Check out this comparison from CO-OP to see how:

ATMs_CO-OP-1
Graph provided by CO-OP

Started in 1981, CO-OP is a way to connect credit unions and ensure a robust unified network for our members nationwide. To learn more about CO-OP and find branches and ATMs near you, visit their website or download the free iPhone and Android apps.

Shelley Ormsby chief lending officer for Elevations Credit Union
Team Elevations

Elevations Credit Union names Shelley Ormsby as chief lending officer

06/01/2026

Read more
Male Business owner of a restaurant
Business Banking

Is a business HELOC right for your business?

05/27/2026

If you’ve ever wished you had flexible access to funds without taking out a brand-new loan, you may have come across a business HELOC.
Read more
A mother and son watch airplanes prepare for takeoff while waiting in the airport
Personal Finance

Travel tips: How to protect your cash, cards, and accounts

04/29/2026

Here’s how to help protect your cards and accounts, monitor activity, and be financially prepared for the unexpected while you’re away.
Read more
SUBSCRIBE

Enjoying our blog?

Choose which topics you’d like to receive updates on and start enjoying everything from tips on managing your finances to stories from our community.

Your information

Indicates a required field