With CO-OP Shared Branching you can access your Toro Credit Union accounts nationwide at affiliated credit union branches in over 5,600 locations around the country FREE of charge.

• Deposit cash
• Withdraw cash – limits vary by location
• Transfer between accounts
• Deposit checks
• Purchase official checks and money orders

Please contact the credit union to request shared branch access and take the following with you to the nearest CO-OP Shared Branch:

1. Government-issued ID such as driver’s license
2. Your member number
3. Credit Union Name (Toro Employees Federal Credit Union)

Many Locations in or near Minneapolis-St. Paul metro, Beatrice, El Cajon, El Paso, Iron Mountain, Plymouth, Riverside, Sanford and Tomah.

ID Requirements for Shared Branch Transactions Starting May 1, 2025, Toro Credit Union members using a Shared Branch location with an out-of-state ID must complete identity verification through the new IDCheck system before conducting a transaction. IDCheck is a secure digital tool designed to enhance fraud prevention by verifying members’ identities. To use it, you will need to scan a QR code at the Shared Branch location or visit verify.coop.org, select Toro EFCU, enter your account details, upload a photo of your ID, and take a selfie. A one-time passcode will then be provided to show the teller. Watch this video to learn more.

To locate a participating credit union, enter a zip code.