Automated Teller Machines/Shared Branch Network Spectrum's network of ATMs extends to thousands of machines nationwide, and across the world. Spectrum members may use thousands of ATMs for cash withdrawals, through participating networks (Interlink, PLUS®, The Exchange, Credit Union Co-Op Network and the STAR® system) many with no-surcharge. In fact, 7-Eleven Store ATMs are part of the Co-Op Network and offer Spectrum members surcharge-free cash withdrawals at over 5,300 stores nationwide. Click here to find a 7-Eleven ATM near you. In addition to Spectrum proprietary ATMs listed below, Spectrum members may conduct in-person branch transactions at a participating Credit Union Service Center (click to find a location nearest you), or use a deposit taking ATM, or ATM for no-surcharge cash withdrawals, which is part of the Credit Union Co-Op Network (click for nearest location). Additionally, there may be a no-surcharge, or deposit-taking ATM near you. Aside from the many credit union network ATMs which usually offer no-surcharge service, Spectrum participates in the STAR® network which makes available no-surcharge ATMs for cash withdrawals as well as over 8,700 deposit-taking machines. Click here to find the nearest no-surcharge or deposit-taking ATM which is part of this network. PLEASE NOTE: These online directories are not maintained by Spectrum. These links are offered solely as a convenience to our members. Should you have any questions regarding them, please direct them to the appropriate website, as we have no control over their content. Spectrum's proprietary ATMs are located at San Francisco (CA), Houston (TX), and Frederick (MD) branch locations. Also, Spectrum has ATMs at the Charles Schwab & Co, Inc. call centers in Denver, Orlando, Phoenix and Austin. ATM Locations Charles Schwab Locations 211 Main Street San Francisco, CA 9601 East Panoramic Englewood, CO 3rd Floor break room 3133 East Camelback Phoenix, AZ 2423 East Lincoln Drive Phoenix, AZ 1st Floor next to the cafeteria 1958 Summit Park Drive Orlando, FL 1st Floor at the cafeteria entrance Additional Locations 45 Fremont Street San Francisco, CA 3000 Post Oak Blvd. Houston, TX 5275 Westview Drive Frederick, MD 1041A West Patrick Street Frederick, MD 5651 West Talavi Glendale, AZ Nationwide Shared Branch Network Spectrum participates in a nationwide shared branch network in cooperation with the Financial Service Centers Cooperative, Inc. This effectively extends our credit union branch locations to participating credit unions within this network. Using this network, Spectrum Federal Credit Union members may conduct in-person deposits, withdrawals, loan advances, account transfers and check cashing. Members need to remember to present their Spectrum FCU account number (also known as your member number) and bring a valid photo identification to show the teller, in order to access your account. Click on the following url: http://www.creditunion.net and select your state and enter a zip code for the nearest participating credit union location. The Financial Service Centers Cooperative, Inc. offers Spectrum FCU members: Nationwide Access * Monday through Saturday Convenience (depending on location) * Telephone Access to your Credit Union * Deposits * Withdraw Large Dollar Amounts (Some restrictions may apply, based on a location's cash availability.) * Make Loan Payments * Transfers from and to any Account * Print a Statement * Cash Checks * Purchase Money Orders & Travelers Checks Some fees may be assessed for specific transactions performed. Deposits of ten or less checks are free. Consult the credit union for a member fee schedule.