MemberSource Credit Union members have a wide variety of options to access MSCU branches, Shared Branches and Surcharge-Free ATMs. Surcharge-Free ATMs mean the ATM owner’s fee will not apply. MemberSource fees for using a non-MSCU ATM will still apply. MSCU members may use any MSCU-owned ATM at no charge. Please follow the directions below to help find a location nearest you.