Shared Branch & ATM Access


Branch Solutions

CO-OP Shared Branch Network
We’ve teamed up with over 5,600 credit union branches across the nation through the CO-OP Shared Branching Network to offer you ease and convenience. 

Shared Branch Transactions
Loan Payments

How Does It Work?
Find a location near you by using our Branch & ATM Locator.  When visiting, let the representative know that you want to perform a Shared Branch transaction.

Be sure to have your member number and a valid U.S. government issued photo ID with you.



ATM Solutions

CO-OP ATM Network
Enjoy access at over 30,000 surcharge-free ATMs nationwide through the CO-OP Network. Use the Branch & ATM Locator to find an ATM near you.

Stewart's Shops

We have teamed up with Stewart’s Shops to offer our members surcharge free ATM access at all of their locations.  Visit your local Stewart's today and use the ATM with ease while stopping for gas or while picking up snacks.




Branch & ATM Locator

Please note that our downtown Saratoga Springs Branch ATM located at 23 Division Street, Saratoga Springs, NY will be closing effective June 30, 2022. The branch lobby will remain open and available to members during normal business hours.


What is a surcharge fee?
A surcharge is a fee that may be assessed by an ATM owner for using the machine.  Our members can use ATMs within the CO-OP Network and avoid these fees.

In addition to the fees charged on some accounts by Saratoga's Community FCU, ATM owners may charge additional fees known as surcharges to use their ATMs. These vary by institution. Our credit union has entered into an agreement with Stewart's Shops and the CO-OP Network to allow members to access participating ATMs, Kiosks and cash dispensing terminals without paying surcharges. Credit union fees for exceeding the maximum amount of transactions as stated in our fee schedule and your account agreement will still apply.  ATM transactions include balance inquiries, deposits, withdrawals and transfers.  Free checking (Link) members receive 2 free transactions per month (including balance inquiries, transfers and withdrawals) then $2.00 per transaction thereafter; LinkFlex members receive 4 free transactions per month (including balance inquiries, transfers and withdrawals) then $2.00 per transaction.  Please refer to our Fee Schedule for details.