Estate planning and settlement at Arrowhead CU

How your Arrowhead CU accounts transfer at death depends on how each one is set up. As a membership-based credit union, Arrowhead CU membership is open three ways: through an eligible association (Community Impact Fund or Surfrider Foundation, with Arrowhead covering the association membership fee); through immediate family of an existing member (spouse or domestic partner, parent or stepparent, sibling or stepsibling, child or stepchild, grandparent, grandchild, and adoptive relationships, with proof of the family membership sometimes required); or through a select employer group, which includes people paid from Sacramento such as California National Guard and state employees, and San Bernardino County employers such as Stater Bros. Markets, San Bernardino Community Hospital, and San Bernardino County. A $4 non-refundable membership fee and a $1 Arrowhead Savings deposit establish the ownership share. About 20 branches across the Inland Empire, headquarters at 8686 Haven Ave, Rancho Cucamonga, CA 91730, mail to PO Box 4100, Rancho Cucamonga, CA 91729 (written notices to the Account Administration Department #72 use ZIP+4 91729-9998). Routing number 322282603. A 2025 conversion from a state to a federal charter widened the field of membership beyond its traditional communities. Heirs settling a former Bourns FCU or Valley Hills FCU account now deal with Arrowhead; both merged in during 2025. With 15 account types, the transfer rules vary—getting the right designations in place now prevents delays and court involvement later.

At Arrowhead CU, beneficiary designations are managed in branch, by phone, and by mail. Accounts can also be retitled into a trust to keep them out of probate entirely.