How to name beneficiaries and fund a trust at APGFCU
Covers 12 deposit, 5 retirement, and 6 lending accounts — beneficiaries must be updated in-branch
Member Service Center
Phone1-410-272-4000
Toll-Free1-800-225-2555
Emailinfo@apgfcu.com
Mailing Address
APG Federal Credit Union, P.O. Box 1176, Aberdeen, MD 21001-6176
WebsiteLearn more→
Member Service Center
Phone1-410-272-4000
Toll-Free1-800-225-2555
Emailinfo@apgfcu.com
Mailing Address
APG Federal Credit Union, P.O. Box 1176, Aberdeen, MD 21001-6176
WebsiteLearn more→
Support Services
Phone1-410-272-4000
Toll-Free1-800-225-2555
Emailinfo@apgfcu.com
Mailing Address
APGFCU, ATTN: Support Services, P.O. Box 1176, Aberdeen, MD 21001-6176
WebsiteNotify online→
Verified Jul 2026
Preparing your APGFCU accounts for estate transfer involves two key steps: designating beneficiaries on each account and, where appropriate, retitling accounts into a trust. Because APGFCU is a membership-based institution, trust retitling must maintain the membership eligibility requirement. Accounts with Payable on Death designations or trust ownership bypass probate entirely.
With 23 product types, APGFCU offers a range of transfer options. Some accounts support Payable on Death (POD) designations, others can be retitled into a trust, and some require probate if no beneficiary is designated. The sections below break down each step.
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1
Visit any APGFCU branch location
2
Request to add or update a Payable on Death (POD) beneficiary
3
Complete the POD designation:
- Sign a new membership application designating the POD for each non-IRA account type
- Provide beneficiary details including full name and relationship
- All account owners must authorize the beneficiary designation
4
Receive confirmation of the updated POD designation
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- POD beneficiary designations are available for checking, savings, money market, and certificate accounts
- A POD (beneficiary) can be changed by signing a new membership application designating the name of the POD for each non-IRA account type
- Ownership and beneficiaries cannot be changed after the primary member has passed
- IRAs require separate beneficiary designation forms through the IRA Service Center
- IRA beneficiary change forms must be printed, signed, and uploaded via the IRA Secure Form
- Trusts can be named as beneficiaries on eligible accounts
- No downloadable POD beneficiary form is publicly available; changes require a branch visit
Sources
Data sourced from APGFCU primary sources (26 pages reviewed). How we research.
Download these APGFCU instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against APGFCU primary sources. Bring it to the branch or keep it beside the phone.
Member Service Center
Phone1-410-272-4000
Toll-Free1-800-225-2555
Emailinfo@apgfcu.com
Mailing Address
APG Federal Credit Union, P.O. Box 1176, Aberdeen, MD 21001-6176
WebsiteLearn more→
Member Service Center
Phone1-410-272-4000
Toll-Free1-800-225-2555
Emailinfo@apgfcu.com
Mailing Address
APG Federal Credit Union, P.O. Box 1176, Aberdeen, MD 21001-6176
WebsiteLearn more→
Support Services
Phone1-410-272-4000
Toll-Free1-800-225-2555
Emailinfo@apgfcu.com
Mailing Address
APGFCU, ATTN: Support Services, P.O. Box 1176, Aberdeen, MD 21001-6176
WebsiteNotify online→
Verified Jul 2026
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Learn how to protect your APGFCU accounts and other assets with trusts, beneficiary designations, and estate planning documents.
