Your branch is bigger than you think.
Shared Branching and Nationwide ATM Access
Waypoint belongs to a network of credit unions that serve each other’s members. Walk into a participating branch anywhere in the country and handle your business there.
How Shared Branching Works
Credit unions are cooperatives, and cooperation is the point. Waypoint is part of the CO-OP shared branch and ATM network, so a participating credit union will serve you as one of their own members. Your money stays in your Waypoint account the whole time. They are simply the counter you are standing at.
What You Should Know
10 Branches and 2 Off-Site ATMs
Waypoint has 10 branches and 2 off-site ATMs.
Fee-Free ATMs
More than 30,000 fee-free ATMs nationwide, in all fifty states and beyond.
Bring Two Things
Have your Waypoint account number and a government-issued photo ID ready.
What You Can Do
Deposits and withdrawals, with a $500 cash withdrawal limit.
Out-of-Network ATM Fees
First five per month free, then $1.00 each.
Not Every Credit Union
Only participating credit unions take part. Check the locator before you make the trip.
Common Questions
There is no fee for shared branching. Deposits and withdrawals are permitted, with a $500 cash withdrawal limit at this institution. Shared branching transactions are subject to the policies and limits of the financial institution where your account is held.
No. Shared branches handle transactions on accounts you already have. Opening an account, applying for a loan, or changing account ownership is done with Waypoint directly, online or at a Waypoint branch.
Use the network locator linked on this page. It maps both shared branches and fee-free ATMs, and it works on a phone while you are out. You can also call the network locator line.
They will see what they need to complete your transaction and verify who you are. Your account remains a Waypoint account and your relationship stays with us.
Find a Branch or ATM Near You
Travelling, moving, or just far from your usual branch? Search the network and see how much closer your money is than you thought.
Important Disclosures
You are leaving the Waypoint Credit Union website and going to a page outside our organization. Waypoint does not accept responsibility for the information, accuracy, or completeness of the site you are about to view. The privacy statement of that site may differ from ours. Please review it when you arrive.
Your savings are federally insured to at least $250,000 by the National Credit Union Administration, a U.S. Government Agency, and backed by the full faith and credit of the United States Government.