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Delta County Federal Credit Union maintains two 24-hour ATMs in Delta County – one at the Delta office and another at the Hotchkiss office. Our modern touch screen, chip-enabled ATMs are located outdoors, just to the left of our entrance doors.  They are located in well lit areas and are ADA compliant, offering features to assist those with vision or hearing impairments. In addition, the ATM located at Cedaredge Food Town, will accept DCFCU cards without charging a service charge.

Members may conduct up to five transactions, and withdraw a total of $500, in any 24 hour period, based on the balance in the account associated with the ATM or Visa Debit Card being used. The Credit Union grants up to six fee-free ATM cash withdrawals per month, regardless of whether the ATM is Credit Union operated or not. After six ATM cash withdrawals per month the Credit Union charges a fee of $1 per transaction. Keep in mind that most ATM owners impose a surcharge fee for use by the general public. Surcharge fees are tacked on to the amount of the cash withdrawal and typically range from $3-$5. The Credit Union will not reimburse surcharge usage fees imposed by ATM owners. Co-Op ATM Network

When traveling outside of Delta County, look for credit union ATMs participating in the Co-op Network.  ATMs participating in this network will waive surcharge fees for DCFCU members. To search participating ATMs, simply click the Co-op logo on this page, follow the link, and enter your search criteria.  Also be aware that our Mobile Banking app has a "Fee-free ATM Locator" feature - great for when you are on the road! In addition to surcharge-free cash withdrawals, members may also make deposits at any Co-op network ATM that accepts deposits. Participating depository ATMs can also be located using the aforementioned Mobile Banking app locator feature.

The Credit Union charges a surcharge fee of $2.50 for use of Credit Union ATMs by non-members, or for use by members using a card not issued by Delta County Federal Credit Union.

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