Estate planning and settlement at Charter Oak FCU
Name beneficiaries in branch, fund a trust in branch, and report a death at 1-800-962-3237
Charter Oak FCU is a credit union offering 24 accounts that interact with estate planning in different ways. As a membership-based credit union, Charter Oak FCU headquartered at 1055 Hartford Turnpike, Waterford, CT 06385 (NCUA records: Waterford, New London County, "Southeastern CT"). Branch and ATM list verified 2026-09-11: Waterford Branch & Headquarters (1055 Hartford Turnpike), Waterford (3 Boston Post Road), Groton (32 Chicago Avenue), Norwich (1 Connecticut Avenue), Mystic (4 Hendel Drive), Niantic (335 Main Street), Pawcatuck (20 Liberty Street), Montville/Uncasville (601 Norwich-New London Turnpike, Rt. 32), Dayville (589 Hartford Pike), Putnam (7 Providence Pike), Willimantic (893 Main Street), and limited-access locations at Electric Boat New London (50 Pequot Avenue), Killingly High School (226 Putnam Pike, Dayville), Fitch High School (101 Groton Long Point Road, Groton) and Mohegan Sun Eagleview Employee Center (Uncasville). Standard branch lobby hours are Mon-Fri 9 am - 5 pm and Sat 9 am - 12 noon; the limited-access school, Electric Boat and Mohegan Sun locations open only on posted days, so an executor should use Waterford, Norwich, Groton or Mystic rather than a limited-access site. Membership is open to anyone who lives, works, goes to school, worships, volunteers, or donates in New London or Windham County. Members can also transact at CO-OP shared branches and surcharge-free ATMs nationwide. Understanding how each account transfers at death—and which ones a trust can hold—helps families avoid probate delays and unintended outcomes.
Beneficiary changes at Charter Oak FCU can be made in branch, by phone, and by mail. Accounts can also be retitled into a trust to keep them out of probate entirely.
There are two sides to estate planning at Charter Oak FCU: 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 24 account types at Charter Oak FCU.
Preparing your estate →Death claim process
Report the death to Charter Oak FCU's Contact Center at 1-800-962-3237. The page lists the steps and the documents to send.
When someone dies →Charter Oak FCU operates in select states, so estate planning procedures may vary by location. Confirm availability in your state before initiating trust funding or account changes.
Sources
Data sourced from Charter Oak FCU primary sources (19 pages reviewed). How we research.
Charter Oak FCU customer support
Contact Center
Phone
Toll-free
Visa Credit Card 24-Hour Service (Elan Cardmember Service)
Visa Credit Card Technical Support
Charter Oak Retirement and Investment Services
Hours
Mailing address
Website
Estate planning articles
Learn how to protect your Charter Oak FCU accounts and other assets with trusts, beneficiary designations, and estate planning documents.
Forms for Planning Your Estate
Free forms for planning your estate: will, living trust, pour-over will, powers of attorney and TOD deed. Prepare each form for your state and download the PDF.
Last Will and Testament
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Add, revoke or replace provisions of your will and republish the rest, signed as your state requires for a will.
HIPAA Release
Name who may receive your medical records, in the authorization federal law requires, with your state's rules for sensitive records. 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.
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