Credit Union Members Get Enhanced Navigation Around CO-OP Networks With More ATMs than Any Bank and 5,600 Branch Locations

RANCHO CUCAMONGA, Calif. – The new CO-OP Locator app from CO-OP Financial Services makes it easy for smartphone users to locate any of nearly 30,000 surcharge-free CO-OP ATMs and 5,600 locations in the CO-OP Shared Branch network.


The downloadable locator app for Android and Apple iOS devices is available to the 60 million members of credit unions participating in CO-OP ATM and CO-OP Shared Branch. Todd Clark, President/CEO of CO-OP, believes the app’s new enhanced version will be particularly useful among Millennial credit union members.


“Research indicates the reputation of digital natives as being unconcerned with branches may be overstated,” said Clark. “In CO-OP’s recent survey of credit union members, Millennials rated accessibility to branches and ATMs significantly higher than other age groups.”


Credit union leaders can download the research Clark references at Jobs to be Done: A Roadmap to Consumer-Centric Innovation.


Enhanced features of the new CO-OP Locator app include the following:


  • Customized, intuitive interface – After selecting their credit union upon installation of the app, users see results specific to their membership. Because the app automatically geolocates the user, it displays results based on both location and membership, so users do not have to initiate a search.


  • Notifications – Users can opt to be alerted when locations are added, removed or changed.  


  • Ride-share integration – Users that select “Get directions” may use the program’s maps feature for turn-by-turn directions or request a ride-share or Uber/Lyft pick-up. Pickup and destination information are automatically entered into chosen ride-sharing apps.

“Consumers are benchmarking the experience provided by their credit union against all the digital experiences they are having throughout their day,” said Clark. “They expect intuitive, even predictive, digital experiences that make their lives simple. CO-OP is on a journey to help more credit unions exceed the expectations of digital consumers. Sometimes this will be through technology iteration, as with the enhanced CO-OP Locator app; other times it will be consultative thought leadership on ways to reimagine the credit union value proposition in today’s digital ecosystem. In this way, we are co-creating the future of the credit union movement with our 3,500 client institutions.”


CO-OP ATM is the nation’s largest network of surcharge-free ATMs for credit union members, and larger than any commercial bank network. CO-OP Shared Branching incorporates the third largest branch network in the country, enabling members of participating credit unions to conduct transactions at these locations as if they were visiting their own home branch.


The new CO-OP Locator is available for download now on Google Play and iTunes stores.


About CO-OP Financial Services

CO-OP Financial Services is a payments and financial technology company whose mission is ensuring the success of the credit union movement by serving 3,500 credit unions and 60 million members. CO-OP payments solutions, engagement services and strategic counsel help credit unions optimize member experiences to consistently provide seamless, personalized multi-channel offerings, while delivering secure, sophisticated fraud mitigation service. For more information, visit