How your Arkansas Federal accounts transfer at death depends on how each one is set up. As a membership-based credit union, Arkansas Federal open to all Arkansas residents. Also available to employees of 700+ partner employers and organizations. Membership through the American Consumer Council is available (one-time $10 fee covered by the credit union). Headquarters at 17500 Cantrell Road, Little Rock, AR 72223. 24+ branches statewide. Absorbed United Arkansas FCU on December 10, 2025; member account data migration ran February 27 through March 2, 2026. With 10 account types, the transfer rules vary—getting the right designations in place now prevents delays and court involvement later.

Account holders can update their beneficiary designations at Arkansas Federal in branch and by phone. Accounts can also be retitled into a trust to keep them out of probate entirely.

Arkansas Federal has documented procedures for both preparing accounts during your lifetime and handling claims when an account holder passes away.

Preparing your estate

Beneficiaries and trust funding

How to update beneficiaries in-branch, fund a trust in-branch, and review 10 account types at Arkansas Federal.

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When someone dies

Death claim process

5-step process, 6 required documents, and contact information for survivors.

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Because Arkansas Federal serves a limited number of states, procedures for trust funding and beneficiary changes may differ depending on your location. Verify availability before starting.

Frequently asked questions

Yes. Arkansas Federal accepts both revocable and irrevocable living trusts for deposit accounts including checking, savings, money market, and certificates. Trust accounts must be opened in person at a branch. You will need the full trust agreement or a Certificate of Trust, government-issued photo ID for all trustees, and the trust tax identification number (EIN) or SSN for revocable living trusts. IRA accounts cannot be retitled to a trust but can name a trust as beneficiary.

Yes, a trust can be named as beneficiary on a Traditional or Roth IRA at Arkansas Federal. IRAs themselves cannot be retitled to a trust. Naming a trust as IRA beneficiary can have significant tax implications for distribution timelines and required minimum distributions. Consult a tax advisor before designating a trust as your IRA beneficiary.