Estate planning and settlement at Achieva CU

How your Achieva CU accounts transfer at death depends on how each one is set up. As a membership-based credit union, Achieva CU headquartered in Dunedin, FL, with member mail to P.O. Box 1500, Dunedin, FL 34697. 26 branches across 22 Florida counties: Broward, Charlotte, Citrus, Collier, DeSoto, Glades, Hardee, Hendry, Hernando, Highlands, Hillsborough, Lee, Manatee, Miami-Dade, Monroe, Okeechobee, Palm Beach, Pasco, Polk, Pinellas, Sarasota and Sumter. The published field of membership is the 15 core counties (Charlotte, Collier, DeSoto, Glades, Hardee, Hendry, Hernando, Highlands, Hillsborough, Lee, Manatee, Monroe, Pasco, Pinellas and Sarasota) plus anyone related to a current Achieva member, and it expressly includes trusts, associations, organizations and legal entities that live or work in those counties — which is how a revocable trust or an estate qualifies to hold an account here. Individuals outside the field of membership may join by contributing to the Achieva Foundation (this does not change residency restrictions on loan applicants). $15 one-time membership fee deducted from the initial deposit. Because settlement documents are handled through Florida branches, the Member Service Center at 800.593.2274, or P.O. Box 1500, an out-of-state executor works this account by phone and mail. Routing number: 263182312. With 28 account types, the transfer rules vary—getting the right designations in place now prevents delays and court involvement later.

Beneficiary changes at Achieva CU can be made in branch and by phone. Accounts can also be retitled into a trust to keep them out of probate entirely.