Estate planning and settlement at AmeriCU
Name beneficiaries in branch, fund a trust in branch, and report a death at 1-800-388-2000
How your AmeriCU accounts transfer at death depends on how each one is set up. As a membership-based credit union, AmeriCU headquartered at 1916 Black River Blvd., Rome, NY 13440. The Locations + ATMs page lists 25 financial center locations (24 physical centers plus the Virtual Financial Center) throughout Central and Northern New York; the About Us page describes the same network as "24 locations" and the Contact Us page still carries stale "19 Financial Centers" boilerplate. Mountain Valley Region centers (Peru, Keeseville, Wilmington, AuSable Forks) came in through the merger with Mountain Valley FCU completed December 1, 2025. Home equity products also available in Florida. Access to 30,000+ surcharge-free ATMs and 5,000+ shared branches nationwide via CO-OP shared branching, though twelve AmeriCU centers (Rome, Cazenovia, Onondaga Hill, Fayetteville, Fulton, Camillus, Armory Square, Cortland, Herkimer, Lowville, Cicero, North Utica) and all AmeriCU ITMs do NOT offer shared branching. With 21 account types, the transfer rules vary—getting the right designations in place now prevents delays and court involvement later.
AmeriCU handles beneficiary designations in branch and by phone. Accounts can also be retitled into a trust to keep them out of probate entirely.
There are two sides to estate planning at AmeriCU: setting things up while you're alive, and the process survivors follow after a death.
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 21 account types at AmeriCU.
Preparing your estate →Death claim process
Report the death to AmeriCU's Member Relationship Center at 1-800-388-2000. The page lists the steps and the documents to send.
When someone dies →AmeriCU is not available nationwide. Estate planning procedures may vary by state, so confirm that your location is served before making account changes.
Sources
Data sourced from AmeriCU primary sources (22 pages reviewed). How we research.
AmeriCU customer support
Member Relationship Center
Phone
SAM, the virtual chat assistant
AmeriCU Investments (LPL Financial) consultation line
Hours
Mailing address
Website
Estate planning articles
Learn how to protect your AmeriCU accounts and other assets with trusts, beneficiary designations, and estate planning documents.
Forms for Planning Your Estate
Free forms for planning your estate: a will, living trust, pour-over will, both powers of attorney, living will, and TOD deed.
Last Will and Testament
Name your heirs, guardians, and final wishes. Free for every state.
Transfer on Death Deed
Transfer real property to a beneficiary upon your death without probate. Available in 34 states and the District of Columbia.
Vehicle Transfer on Death
Name a beneficiary to inherit your vehicle at death without probate. Available in 26 states and the District of Columbia.
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