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Joining a credit union is a great way to make sure that your money stays local and supports your community. Many people who are on the fence about moving to a credit union think that they’ll miss out on perks that larger financial institutions offer, including access to free ATMs.
But did you know that you, as a credit union member, have access to more ATMs than any other financial institution? You also have access to almost more shared branch locations than one of the largest banks in the United States. Whether you’re traveling across the area or making a trip across the country, you’re never far away from a free way to access your money.
Read more below on how you can benefit from fee-free ATMs and shared branches.
Think of credit unions as a team. Instead of competing against each other to see who can make the most money, we work together to provide you with more savings solutions.
One of the most notable accomplishments from this “teamwork” philosophy is the CO-OP Shared Branch Network. You can use your Arsenal (or other credit union) debit card at more than 30,000 fee-free ATMs across the country, with 250+ of those being local to the St. Louis area.
What are typical ATM fees at non-network ATMs?
According to CNBC, ATM fees range from $2.50 to $5.00. In 2023, the average ATM fee hit an all-time high of $4.73.
ATM fees are often broken up into two separate charges: The fee the ATM operator charges you for using the device and what the financial institution your debit card is issued through charges.
To avoid these fees, always make sure you’re using a CO-OP Network ATM.
Download the CO-OP ATM locator app to your Android or iPhone device.
Text your ZIP Code to 91989 to find a nearby ATM.
Call 888-748-3266 to find a location by phone.
What is a credit union shared branch?
As an Arsenal member, you have access to four convenient branches in the St. Louis metro area, plus an online + mobile banking system you can use anytime, anywhere. But what if you need to make a quick deposit or pay a loan when you’re not close to a branch?
You have access to the Credit Union Shared Branch Network. Make simple transactions at over 5,600 credit unions across the country.
How do I find a shared branch?
Finding a shared branch is just as easy as finding a free ATM. Just use this website to find a branch near you. If you need help finding a free ATM, shared credit union branch or anything else, start a live chat with us in the bottom-right corner of the screen.