The Financial Flow

Thousands of New Surcharge-Free ATMs for Members

Written by Red Canoe Marketing | Sep 13, 2026, 7:00:00 AM

One of the most common myths about credit unions is that ATM access is limited compared to big banks.

At Red Canoe Credit Union, that's simply not the case. Thanks to our participation in the Velera ATM Network, members already have access to thousands of surcharge-free ATMs across the country. Now, that network has become even more convenient with the addition of nearly 2,000 new surcharge-free ATMs located inside Target stores nationwide.

Whether you're running errands, traveling for work, or shopping for your family's weekly essentials, getting cash is now easier than ever.

What Is the CO-OP ATM Network?

The Velera ATM Network is one of the largest surcharge-free ATM networks available to credit union members. Through this network, Red Canoe members can access more than 39,000 surcharge-free ATMs across the United States, giving you convenient access to your money wherever life takes you.

Instead of being limited to your local branch ATM, you can use participating Velera ATMs nationwide without paying a surcharge fee.

What's New?

Velera, formerly known as CO-OP Solutions, recently expanded the ATM Network by adding nearly 2,000 surcharge-free ATMs inside Target stores throughout the country.

That means even more locations where Red Canoe members can conveniently:

  • Withdraw cash
  • Access their funds while traveling
  • Avoid out-of-network ATM surcharges
  • Bank with confidence wherever they shop

For many members, Target is already a regular stop. Now it's also a place to access cash without paying extra fees.

Why This Matters

When comparing banks and credit unions, people often assume large national banks offer more convenience because of their ATM networks.

The reality is that credit unions work together through cooperative networks to give members broad access to financial services across the country. At Red Canoe, you get the personalized service and community focus of a credit union, while still enjoying access to thousands of convenient ATM locations nationwide.

It's one more way membership delivers value every day.

How to Find a Surcharge-Free ATM

Finding a participating ATM is easy. Use the CO-OP ATM Locator to find surcharge-free ATMs near your home, workplace, travel destination, or shopping center:

Find a Surcharge-Free ATM

Before your next road trip or shopping run, take a moment to see just how many convenient ATM locations are available to you.

The Bottom Line

Being a credit union member doesn't mean giving up convenience.

With more than 39,000 surcharge-free ATMs nationwide and nearly 2,000 new locations added in Target stores, Red Canoe members have more access to their money than ever before.

That's the power of credit union cooperation: local service backed by nationwide convenience.

FAQs

Do Red Canoe members have access to surcharge-free ATMs?

Yes. Red Canoe members can use thousands of surcharge-free ATMs through the Velera ATM Network.

Can I use an ATM at Target without paying a surcharge?

Many Target locations now feature CO-OP Network ATMs that are surcharge-free for participating credit union members.

How many surcharge-free ATMs can Red Canoe members access?

Red Canoe members have access to more than 39,000 surcharge-free ATMs nationwide through the Velera ATM Network.

How do I find a CO-OP ATM near me?

Use the ATM Locator to search for surcharge-free ATMs by ZIP code, city, or current location.