CO-OP Shared Branches and ATMs

Input your address below to locate an HTFFFCU branch, Shared Branch and/or free ATM near you! Scroll down below for more information about credit union hoursholiday hours or to learn more about CO-OP Shared Branches and ATM Network.

Network of ATMs

As a member of the Allpoint and CULIANCE ATM Network, your credit union offers you access to over 1,100 surcharge free ATMs in the Houston area.

Allpoint's and CULIANCE’s surcharge free ATMs are located across the country in local, regional and national retail merchants such as Target, Walgreen's, CVS, Kroger, Shop Rite, Costco, and many, many more! They can also be found in local and regional financial institutions, and they include drive-thru ATMs.

Use your card at any ATM displaying the Allpoint, CULIANCE or CUHERE logo to access your account 24 hours a day. You can enjoy an unlimited number of surcharge-free transactions!

Notice to Allpoint users: If the surcharge screen appears during your Allpoint ATM transaction press “yes” to accept the surcharge and proceed with your withdrawal. You will not be charged or we will refund your money.

CO-OP Shared Branches

Being part of the CO-OP Shared Branch Network allows members of participating credit unions to do their banking at any credit union in the network.

This means that if you are not located near one of our three locations or you are out of town on vacation or business you can conduct your credit union business at a participating credit union or self service location near you. With 5,671 physical locations, CO-OP has recently become the second largest network of financial institutions in the country.

What is Shared Branching?

Shared Branching is a network of credit unions that will allow “Guest Members” from any participating credit union to conduct transactions at a participating credit union. Credit unions are sharing their branches so that members will have access to over 5,100 locations nationwide.

Shared Branching FAQs

Other Important Information:

  • If you have a password on your account, the Shared Branch may not have access to that information and therefore may not ask for you to provide it.

  • If you have any alerts on your account such as Update Address, See Collections or Garnishments, you may not be able to do any transactions at the Shared Branches until those have been take care of with us.

  • A cash back transaction of $500 or more may require a thumb print.

  • Transactions made after 7 p.m. will be posted on the next business day.

  • No third party check will be accepted.

  • A separate deposit slip for Shared Branching will be available at the participating credit unions in the network.