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We make it easy to access your accounts, no matter where you go.

 

In Person

With branches across multiple states, plus over 5,600 Shared Branches and 85,000+ surcharge-free ATMs nationwide, your money is always within reach. Use our easy, interactive branch locator to find your nearest branch or ATM and start banking wherever you are!

Digital

Beyond physical locations, you can also manage your accounts 24/7 with Digital Banking, giving you secure access to your finances anytime, anywhere. Plus, for a more personal touch, you can bank from the comfort of your own home with Video Banking, connecting face-to-face with a representative for assistance with your banking needs.

 

Click a state above to view branch locations.

Find a location near you location marker

  • Spectrum Credit Union's branch & ATM locations
  • Members can access their accounts at any Spectrum Credit Union or Chevron Federal Credit Union branch, 5,600+ CO-OP Shared Branches, and 85,000+ surcharge-free ATMs. Use the map below to find a branch or ATM near you.
Spectrum Credit Union Branch Icon
Spectrum Credit Union Branch
Spectrum Credit Union ATM Icon
Spectrum Credit Union ATM
Chevron Federal Credit Union Branch Icon
Chevron Federal Credit Union Branch
Chevron Federal Credit Union ATM Icon
Chevron Federal Credit Union ATM
CO-OP Shared Branch Icon
CO-OP Shared Branch
CO-OP Shared ATM Icon
CO-OP Shared ATM
AllPoint ATM Icon
AllPoint ATM

Shared Branching Frequently Asked Questions

Through Spectrum Credit Union's membership in the CO-OP Shared Branch network, members can perform financial transactions at 5,600+ credit union branches and self-service locations across the country as if they were in a Spectrum Credit Union branch.

Here are answers to some common questions about conducting transactions at CO-OP Shared Branches:

Blue checkmark How do I access my account at a Shared Branch?

All you need to provide is the following:

  • Name of your Credit Union
  • Your Spectrum Credit Union Account Number
  • A valid, unexpired government-issued picture identification with signature.
Blue checkmark Are there any limits on cash withdrawals?

Spectrum Credit Union members are allowed cash withdrawals up to $2,000 per day, per membership.

Note that CO-OP Shared Branches are allowed to limit cash withdrawals to $500 per day regardless of our limits. You may want to call ahead to find out if the branch you plan to go to has a higher cash withdrawal limit.

Blue checkmark How are deposited funds handled?

If you deposit cash, U.S. government checks, or U.S. Postal money orders, the deposited funds are available for immediate withdrawal. All other deposits are normally available for withdrawal within two business days.1

Blue checkmark What services are available?
  • Cash and Check Deposits – All checks must be U.S. dollars and payable through the U.S. Federal Reserve Bank. If you deposit a payroll check, make sure you have your payroll check stub with you to verify your deposit.
  • Withdrawals – Withdrawals (combination of cash, check or transfer to other financial institutions) are limited to your total amount of available funds authorized by Spectrum Credit Union with a cap of $2,000 per day, per membership.2
  • Loan Payments and Loan Advances – Loan Payments can be made by cash or check. 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 Spectrum Credit Union, whichever is less.
  • Transfers between Spectrum Credit Union Sub-Accounts ­– Most locations can process transfers between Spectrum Credit Union accounts. Transfers between Spectrum Credit Union accounts, transfers to other financial institutions, and withdrawals via cash or check are limited to a combined total of $2,000 per day, per membership.
  • Statement Prints – If available, the last ten transactions will be printed including your balance.
Blue checkmark Are there any fees?

Some locations may charge fees for certain transactions. Ask the location you visit for their policy.

To find your nearest CO-OP Shared Branch location, use the ATM/Shared Branch Locator above or give us a call at 800-782-8782. For those outside the U.S., call 510-251-6000.

* Chevron Federal Credit Union brand branch. Spectrum Credit Union members can access their accounts exactly as if they were at a Spectrum Credit Union branch. Please let branch staff know you are a member of Spectrum Credit Union.

1For more information, please refer to the Funds Availability Policy. 

2Daily withdrawal limits may vary by participating CO-OP credit union.

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From everyday finance to life’s big money moments, it’s better when you belong.