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Shared Branch & ATM Access

Branch Access: CO-OP Shared Branch Locations

CO-OP Shared Branch We’ve teamed up with over 5,000 credit unions through the CO-OP Shared Branching Network to offer you ease and convenience.  It’s as easy as stepping into a branch to perform deposits, withdrawals, transfers and loan payments.  All you need is your member number and a government issued photo ID.

How does it work?
First, find a location nearest you by using our Branch & ATM Locator.  Upon your visit, let the representative know that you want to perform a Shared Branch transaction and be sure to have your member number and a valid U.S. government issued photo ID with you.  It’s that easy!

ATM Access: Stewart's Shops & CO-OP ATM Networks

Stewart's Shops Stewart’s Shoppes is an icon in our region so to make your life a little easier we teamed up with Stewart’s to offer our members surcharge free ATM access at all of their locations.  Now you’ll be able to use the ATM with ease while you stop for gas or pick up snacks.
CO-OP ATM If you prefer drive-thru locations or are traveling out of the area enjoy access at over 30,000 surcharge-free ATMs nationwide through the CO-OP Network.  Simply look for the CO-OP ATM logo or use our Mobile App to find a location.

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.

Branch & ATM Locator