CU Anytime

What CU Anytime does

CU Anytime, LLC is a Credit Union Service Organization (CUSO) founded in 1997 and headquartered in Albuquerque, New Mexico. It operates a regional network of more than 360 ATMs and Interactive Teller Machines (ITMs) across New Mexico, El Paso TX, and Livermore CA, providing surcharge-free cash withdrawals, deposits, and account access to members of 23+ participating credit unions. The company is wholly owned by its participating credit unions and operates a wholly-owned transaction processing subsidiary, CU ATM Services, LLC, incorporated in New Mexico. The network is integrated with the national CO-OP ATM network, extending member access to over 37,000 surcharge-free ATMs nationwide at retailers including 7-Eleven, DK Stores, Speedway, and Stripes Convenience Stores.

The technology stack is built on standard ATM hardware with progressive feature enhancements: all machines are EMV-enabled for chip security, support contactless NFC tap transactions, and a growing subset of over 60 machines offer multiple-denomination dispensing ($5, $10, $20, $50 bill mix). End users can configure personalized preference records—Fast Cash presets, receipt and language settings—that persist across the network. A WordPress-hosted website provides an ATM locator with feature filters, and the CO-OP Mobile Application extends both branded and partner-machine discovery. Distribution is anchored in credit union branches, with material expansion into 132 Allsup's convenience store locations through a partnership with Payment Alliance International (PAI).

Revenue is generated transactionally: credit unions and financial institutions pay CU Anytime for ATM access services delivered to their members, with end users paying no surcharge. The operational record disclosed is 99%+ transaction accuracy, with Regulation E dispute resolution handled within 10–45 business days. No headcount, revenue figures, or external funding are disclosed; the cooperative CUSO structure explicitly reinvests proceeds into the network rather than distributing to shareholders. Growing activity in 2025—including eight new ATM/ITM locations, the first ITM deployment in Quemado, and new geographic reach into Denver City TX—indicates an active, expanding infrastructure footprint.

Name

CU Anytime

Legal name

CU Anytime, LLC

Website

https://cuanytime.org

Company type

Private

Founded year

1997

Operating status

Operating

Headcount range

1–10 employees

Short description

CU Anytime, founded in 1997, is a New Mexico-based Credit Union Service Organization that operates 360+ surcharge-free ATMs across New Mexico, El Paso TX, and Livermore CA for members of 23+ participating credit unions, with national reach via the CO-OP ATM network.

Ownership category

akta.pro rank

Product category

Credit Union ATM Network Services

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Finance Services (6199)

akta.pro primary industry

ATM Deployers & Managed ATM Services (IAD/ISO) (FSAMAOAC)

akta.pro secondary industry

ATM Switching, Routing & Network Services (FSAMAOAD)

Keywords

• Surcharge-free ATM network
• Credit union ATM services
• CUSO operations
• ATM transaction processing
• Shared branching ATM access

Headquarters

HQ city

Albuquerque

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Operations, Infrastructure, Technology or R&D, Supply Chain, Personnel, Marketing or Sales

Revenue model

1. ATM Transaction Processing: CU Anytime generates revenue by processing ATM transactions for members of its participating credit unions. The company acts as an intermediary, processing card data, transactions, and check deposits. Revenue comes from transaction fees paid by credit unions and financial institutions for ATM access services provided to their members.

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

CU Anytime, LLC operates a surcharge-free ATM and Interactive Teller Machine (ITM) network serving members of more than 23 participating credit unions in the Southwest United States. The fleet of over 360 machines delivers cash withdrawals, cash and check deposits, balance inquiries, and fund transfers, with EMV, contactless NFC tap support, multi-denomination dispensing, and personalized user preferences. Through participation in the CO-OP ATM network, member access extends to 37,000+ surcharge-free ATMs nationwide.

Product overview

CU Anytime is a Credit Union Service Organization (CUSO) founded in 1997 that operates a surcharge-free ATM network for credit union members across the Southwest. The core offering is the CU Anytime ATM Network, a platform of over 360 ATMs with features including cash withdrawals, deposits, check deposits, contactless tap access via NFC, and multiple denomination options. Supporting products include an ATM Locator (online and mobile), ATM Preference Settings for customizing the user experience, and access to Allsup's convenience store locations. The network integrates with the CO-OP ATM network, extending surcharge-free access to over 37,000 ATMs nationwide through the CO-OP Mobile Application. Deposits are accepted at participating machines for credit union accounts only, with funds availability governed by the member's credit union.

Differentiator

Problem solved

Functional benefit

Products and services

• CU Anytime ATM Network A cooperative surcharge-free ATM network of more than 360 machines deployed across New Mexico, El Paso TX, and Livermore CA, offering cash withdrawals, cash and check deposits, balance inquiries, and fund transfers to members of 23+ participating credit unions. Each machine is EMV-enabled with optional contactless NFC tap and multi-denomination dispensing at select locations.
• ATM Locator Online and mobile ATM locator tool that helps credit union members find CU Anytime and CO-OP ATMs across the country, with filters for 24-hour access, deposit capability, drive-up, multi-denomination machines, and Allsup's convenience store locations.
• CO-OP Mobile Application Mobile application (iPhone and Android) provided by the CO-OP network that locates CU Anytime ATMs and other CO-OP surcharge-free ATMs nationwide for members of participating credit unions.
• Allsup's ATM Locations Surcharge-free ATM service deployed at 132 Allsup's convenience store locations throughout New Mexico, exclusively available to members of CU Anytime participating credit unions, providing cash access where members shop and refuel.

Quantifiable outcome

• 99%+ transaction accuracy rate
• +3 more outcomes

Named customers11 records

Segments3 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature5 records

Partnerships

14 partnerships are on record, tiered core and minor.

• CO-OP ATM NetworkcoreTechnology or IntegrationCU Anytime and its participating credit unions are part of the national CO-OP ATM network. This partnership provides members of participating credit unions with surcharge-free access to over 37,000 ATM locations nationwide at 7-Eleven, DK Stores, Speedway, Stripes Convenience Stores, and credit union branches. The CO-OP Locator app and website enable members to find both CU Anytime and CO-OP ATMs.
• Payment Alliance International, Inc.coreChannel Partner/ Reseller/ DistributorPayment Alliance International (PAI) owns and operates Allsup's convenience store locations throughout New Mexico. CU Anytime has partnered with PAI to place surcharge-free ATMs at 132 Allsup's locations, enabling credit union members to access cash and conduct banking transactions while visiting Allsup's for food and other services.
• Allsup's Convenience StoresminorChannel Partner/ Reseller/ Distributor132 Allsup's convenience store locations throughout New Mexico now feature CU Anytime surcharge-free ATMs for members of participating credit unions. Allsup's is owned and operated by Payment Alliance International, Inc.
• Cannon Federal Credit UnioncoreChannel Partner/ Reseller/ DistributorParticipating credit union providing CU Anytime surcharge-free ATM access to its members. Located in Clovis, NM.
• Del Norte Credit UnioncoreChannel Partner/ Reseller/ DistributorParticipating credit union providing CU Anytime surcharge-free ATM access to its members. Located in Los Alamos, NM.
• Nusenda Credit UnioncoreChannel Partner/ Reseller/ DistributorParticipating credit union providing CU Anytime surcharge-free ATM access to its members. Located in Albuquerque, NM.
• First Financial Credit UnioncoreChannel Partner/ Reseller/ DistributorParticipating credit union providing CU Anytime surcharge-free ATM access to its members. Located in Albuquerque, NM.
• Kirtland Federal Credit UnioncoreChannel Partner/ Reseller/ DistributorParticipating credit union providing CU Anytime surcharge-free ATM access to its members. Located in Albuquerque, NM.
• Sandia Area Federal Credit UnioncoreChannel Partner/ Reseller/ DistributorParticipating credit union providing CU Anytime surcharge-free ATM access to its members. Located in Albuquerque, NM.
• SunwardcoreChannel Partner/ Reseller/ DistributorParticipating credit union providing CU Anytime surcharge-free ATM access to its members. Located in Albuquerque, NM.
• U.S. Eagle Federal Credit UnioncoreChannel Partner/ Reseller/ DistributorParticipating credit union providing CU Anytime surcharge-free ATM access to its members. Located in Albuquerque, NM.
• Estacado Federal Credit UnioncoreChannel Partner/ Reseller/ DistributorParticipating credit union providing CU Anytime surcharge-free ATM access to its members. Located in Hobbs, NM.
• Rio Grande Credit UnioncoreChannel Partner/ Reseller/ DistributorParticipating credit union providing CU Anytime surcharge-free ATM access to its members. Located in Albuquerque, NM.
• Guadalupe Credit UnioncoreChannel Partner/ Reseller/ DistributorParticipating credit union providing CU Anytime surcharge-free ATM access to its members. Located in Santa Fe, NM.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Allpoint Network: Operates one of the largest surcharge-free ATM networks in the U.S. with 40,000+ ATMs. Allpoint directly competes with CU Anytime's value proposition of providing credit union members with surcharge-free access, and is commonly offered as an alternative to regional CUSO ATM networks.
• Payment Alliance International: Direct channel partner that owns the Allsup's convenience stores hosting 132 CU Anytime ATMs. PAI also operates retail ATM programs nationwide for financial institutions, making it both a partner and a comparable ATM deployer serving credit unions and community banks.
• MoneyPass: A surcharge-free ATM network owned by Fiserv with tens of thousands of ATMs. MoneyPass provides credit unions an alternative nationwide surcharge-free access solution, competing with CU Anytime for credit union partnership dollars.
• CO-OP Financial Services (CO-OP): The national credit union service organization that operates the CO-OP ATM and shared branching network used by CU Anytime's participating credit unions. CO-OP provides the underlying infrastructure (including the 37,000+ ATM network) that CU Anytime leverages to extend member reach.

Broad incumbents

• NCR Atleos (formerly Cardtronics): The largest independent ATM operator in the U.S. with hundreds of thousands of ATMs globally, including Allpoint. NCR Atleos competes with CU Anytime for retail ATM placements and serves as the broad incumbent in the managed ATM services category.
• Wells Fargo: Operates one of the largest proprietary bank ATM networks in the U.S. While Wells Fargo is not a direct competitor in the credit-union-focused CUSO space, it competes for member transaction mindshare and sets the bar for ATM availability and functionality.

Emerging players

• Discover Cash at Checkout: Provides cash access at retail point-of-sale as an alternative to traditional ATMs. Represents an emerging channel that competes for cash withdrawal transactions, particularly relevant as consumer cash behavior evolves.

Others

• Green Dot Corporation: Operates a large retail-based financial services network including MoneyPak and cash access points at retailers. While not a direct ATM competitor, Green Dot is part of the broader ecosystem of alternative cash access points that compete with ATM-based distribution.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/cu-anytime-llc

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about CU Anytime