FWIW, I've never had a fee to use the ATM physically at one of my (US) credit union branches. That's three separate credit unions in two states, starting around 20 years ago. Also, there are typically no fees at branches of other credit unions either (with some exceptions: A+ and UFCU in Austin always charge fees to me as a non-member, no idea if they charge their members too). Transactions at standalone ATMs (7-11s, etc.) typically cost, as do transactions at regular banks (not credit unions).