Credit unions are cooperatives. Many credit unions like Centra work together through the CO-OP Network. This gives Members access to more than 30,000 free ATMs and more than 5,600 Shared Branches across the United States. These resources let Centra Members use the ATMs, visit the credit union locations, and do their banking nationwide, without getting hit with fees. The CO-OP Network is one of the largest in the United States and offers access to branch locations in all 50 states.