Shared Branching/CoOp ATM

Shared Branching Services let you conduct transactions at more than 5,000 participating locations across the country—it’s just like being at your own credit union. By using the CU Service Centers ® Network, your membership and accounts remain at MLCU, but you can access your accounts and conduct business with us through any of the convenient CU Services Centers ® locations. In this way, through a network of participating credit unions and retailers, access to your accounts and credit union services are made more convenient. Belong to another participating credit union? We offer Shared Branching at all of our locations: Clearlake, Lakeport, Ukiah, and Fort Bragg.   Locator apps available for iPhone and Android.

Our members can visit any of nearly 30,000 ATMs in the US and Canada that display the CO-OP logo, free of charge.  The CO-OP Network was created for the benefit of credit unions and their members, and is a cooperative organization that allows individual credit unions to share the kind of innovative tools and expertise that used to be offered only by large national banks. This means capabilities such as a 24/7 link to your account, mobile and online banking, and the largest credit union-only network of surcharge-free ATMs.  So whether you’re across town, or far from home for work or pleasure, you’re never far from your money.

  • Use surcharge-free ATMs at places like 7-Eleven®, Costco® and Walgreens
  • Make deposits at nearly 9,000 ATMs
  • Never pay a surcharge at participating locations when your ATM card has the CO‑OP logo on the back
  • Locate an ATM wherever you are—through any of our easy locator tools: download the mobile app, visit, or call  1-888-SITE-CO-OP.


By accessing the noted link you will be leaving our website and entering a partner site which is hosted by another party. Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of our website. We encourage you to read and evaluate the privacy and security policies of the site which you are entering, which may be different than those of ours.

Please note that Virtual Branch will not be available starting at 2:30pm on Thursday, 10/31. As part of our merger, we will be integrating the Mendo Lake Credit Union and Fort Bragg Community Federal Credit Union Virtual Branch systems. Staff will work as quickly as possible to complete the task, and we expect the system to be available the afternoon of Saturday, November 2nd.

To ensure that all members receive ample notice of this service interruption, this informational page will be displayed every time you log into Virtual Branch through the end of October. Thank you for your patience as we make this transition!

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