How to name beneficiaries and fund a trust at America First
Covers 14 deposit, 6 retirement, and 1 investment accounts — beneficiaries must be updated in-branch
Phone1-800-999-3961
Fax1-801-215-7332
Mailing Address
America First Credit Union, P.O. Box 9199, Ogden, UT 84409
WebsiteLearn more→
Trust Services (Members Trust Company)
Phone1-801-827-7379
Trust & Estate Consultations
WebsiteLearn more→
Death Claims / Estate Settlement
Phone1-800-999-3961
Mailing Address
America First Credit Union, P.O. Box 9199, Ogden, UT 84409
Verified Apr 2026
The goal with your America First accounts is to make sure every account has a transfer mechanism in place—either a POD beneficiary designation or trust ownership. Because America First is a membership-based institution, trust retitling must maintain the membership eligibility requirement. Accounts without either one will require probate, which means court involvement and delays for your family.
Across 21 product types, America First accounts vary in how they transfer at death. The sections below walk through Payable on Death (POD) designations, trust funding options, and which products support each method.
Classic CheckingPremium CheckingMoney Market CheckingYouth CheckingShare SavingsMoney Market SavingsStudent SavingsYouth SavingsHealth Savings Account (HSA)Regular Certificate (CD)Bump-Rate CertificateFlexible CertificateLadder CertificateDedicated Savings
1
Visit any America First branch
2
Request AFCU Form #40 (POD Designation) for deposit accounts, or Form #211 to name a trust as POD beneficiary
3
Provide government-issued photo ID
4
Complete form with beneficiary details:
- Enter primary and contingent beneficiaries (name, address, SSN, date of birth, relationship)
- For trusts as beneficiary: provide trust name, date established, and EIN
5
Sign the form -- signature must be witnessed by a credit union employee or notarized
6
Submit completed form to branch representative
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- Only the primary member signs to add or change a POD beneficiary
- Signatures must be notarized unless witnessed by a credit union employee
- POD form (AFCU Form #40) does not apply to IRA, HSA, Coverdell Education Savings, certificate accounts, or Trust Accounts -- these use separate beneficiary designations
- Certificate accounts have their own POD beneficiary designation; in the absence of one, the share savings POD designation governs
- To designate a trust as POD beneficiary, use AFCU Form #211 instead of Form #40
- IRA beneficiaries must be designated on separate AFCU Form #424
- Trusts can be named as POD beneficiaries with trust name, date, and EIN
- Additional NCUA insurance coverage available with multiple POD beneficiaries (up to $250,000 per beneficiary)
Phone1-800-999-3961
Fax1-801-215-7332
Mailing Address
America First Credit Union, P.O. Box 9199, Ogden, UT 84409
WebsiteLearn more→
Trust Services (Members Trust Company)
Phone1-801-827-7379
Trust & Estate Consultations
WebsiteLearn more→
Death Claims / Estate Settlement
Phone1-800-999-3961
Mailing Address
America First Credit Union, P.O. Box 9199, Ogden, UT 84409
Verified Apr 2026
Estate planning articles
Learn how to protect your America First accounts and other assets with trusts, beneficiary designations, and estate planning documents.
