Estate planning at Citadel
How to protect 9 Citadel accounts — manage beneficiaries in-branch, fund a trust in-branch, and file death claims
Phone1-800-666-0191
Mailing Address
520 Eagleview Blvd., Exton, PA 19341
Collections Department
WebsiteLearn more→
Phone1-800-666-0191
Mailing Address
520 Eagleview Blvd., Exton, PA 19341
Collections Department
WebsiteLearn more→
Death Claims
Phone1-800-666-0191
Toll-Free1-800-666-0191
Mailing Address
Citadel Credit Union, 520 Eagleview Blvd., Exton, PA 19341
WebsiteNotify online→
Verified Apr 2026
Citadel is a credit union offering 9 accounts that interact with estate planning in different ways. As a membership-based credit union, Citadel headquartered at 520 Eagleview Blvd., Exton, PA 19341. 25 branch locations across the Greater Philadelphia area, with additional Philadelphia branches planned. Completed charter conversion to Federal Multiple Common Bond in March 2026, expanding membership to PA, DE, NJ, NY, MD, OH, and WV (combined population of 60+ million). Members qualify by living in specified Underserved Areas, through select employee groups, or association partnerships. Relatives of eligible individuals also qualify. $5 savings account required to join. Understanding how each account transfers at death—and which ones a trust can hold—helps families avoid probate delays and unintended outcomes.
Account holders can update their beneficiary designations at Citadel in branch. Accounts can also be retitled into a trust to keep them out of probate entirely.
There are two sides to estate planning at Citadel: setting things up while you're alive, and the process survivors follow after a death.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 9 account types at Citadel.
View details →When someone dies
Death claim process
8-step process, 6 required documents, and contact information for survivors.
View details →Citadel is not available nationwide. Estate planning procedures may vary by state, so confirm that your location is served before making account changes.
Frequently asked questions
Citadel Wealth Management provides personalized financial planning including retirement planning, estate planning, wealth transfer strategies, college savings, 401(k)/457 rollovers, and insurance. Services are offered through CUSO Financial Services, L.P. (CFS), via Cetera Investment Services, LLC (Member FINRA/SIPC). CFP professionals and CPAs are on the team. Citadel members also receive an exclusive 20% discount on estate plans from Trust & Will.
Citadel initiates paperwork and forwards it to Ascensus, the third-party IRA administrator, which handles all documentation for the named beneficiaries. If no beneficiaries are named on the IRA, the funds go to the decedent's estate. Verification of beneficiary information may be requested.
Visit a Citadel branch with the complete trust document or a Certificate of Trust, government-issued photo ID for all trustees, and the trust's EIN from the IRS. The Settlor must be a Citadel member. Complete a trust account application and Citadel will retitle the account(s) to trust ownership. All Trust Accounts are required to name a beneficiary.
Sources
Data sourced from Citadel primary sources (22 pages reviewed). How we research.
Phone1-800-666-0191
Mailing Address
520 Eagleview Blvd., Exton, PA 19341
Collections Department
WebsiteLearn more→
Phone1-800-666-0191
Mailing Address
520 Eagleview Blvd., Exton, PA 19341
Collections Department
WebsiteLearn more→
Death Claims
Phone1-800-666-0191
Toll-Free1-800-666-0191
Mailing Address
Citadel Credit Union, 520 Eagleview Blvd., Exton, PA 19341
WebsiteNotify online→
Verified Apr 2026
Estate planning articles
Learn how to protect your Citadel accounts and other assets with trusts, beneficiary designations, and estate planning documents.
