Estate planning at Coastal CU
How to protect 15 Coastal CU accounts — manage beneficiaries in-branch, fund a trust in-branch, and file claims through Coastal CU's Coastal Wealth Management
Phone919-420-8000
Toll-Free1-800-868-4262
Mailing Address
Coastal Credit Union, PO Box 97009, Raleigh, NC 27624
WebsiteLearn more →
Member Services - Death Claims
Phone919-420-8000
Toll-Free1-800-868-4262
Mailing Address
Coastal Credit Union, PO Box 97009, Raleigh, NC 27624
Verified Mar 2026
Coastal CU is a credit union offering 15 accounts that interact with estate planning in different ways. As a membership-based credit union, Coastal CU headquartered at 1000 Saint Albans Dr., Raleigh, NC. Operates 22 branch locations across central North Carolina including the Research Triangle (Raleigh, Durham, Chapel Hill), Cary, Apex, Carrboro, Garner, Holly Springs, Henderson, and Rocky Mount. Membership is open to employees of 1,800+ select employee groups, their immediate family members, and household members. Members can access accounts through 5,600+ shared branches nationwide via the CO-OP Shared Branch network and 30,000+ surcharge-free ATMs. Understanding how each account transfers at death—and which ones a trust can hold—helps families avoid probate delays and unintended outcomes.
Beneficiary designations at Coastal CU can be managed in branch, by mail, and by phone, typically taking 15-30 minutes. Trust funding is also available, allowing families to retitle accounts into the name of a revocable living trust.
Coastal CU provides specific procedures for both proactive estate planning and filing claims after a death.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 15 account types at Coastal CU.
View details →When someone dies
Death claim process
Contact Coastal CU's Coastal Wealth Management to file a claim. 10-step process, 6 required documents, and contact information for survivors.
View details →For questions about any of these procedures, contact Coastal CU's Coastal Wealth Management at 1-800-868-4262.
Coastal CU operates in select states, so estate planning procedures may vary by location. Confirm availability in your state before initiating trust funding or account changes.
Frequently asked questions
Yes. A trust can be named as a POD beneficiary on Coastal deposit accounts. Provide the trust name, trust date, and trust EIN when completing the beneficiary designation form. For investment accounts held through Coastal Wealth Management, contact your LPL Financial advisor about naming a trust as a TOD beneficiary. A trust may also be named as a beneficiary on IRA accounts.
Contact Coastal at (800) 868-4262 or visit a branch. Bring your complete trust document or a Certificate of Trust, government-issued photo ID for all trustees, and the trust EIN. Coastal will complete a trust account application and retitle your accounts to trust ownership. Eligible deposit accounts include checking, savings, money market, and share certificates. IRAs cannot be retitled to a trust but can name a trust as beneficiary.
IRA beneficiary designations are completed on a separate beneficiary form at the time of account opening. To update your IRA beneficiary, visit a Coastal branch or call (800) 868-4262 to request a new IRA beneficiary designation form. A trust may be named as an IRA beneficiary. Spousal and non-spousal beneficiaries have different distribution options under the SECURE Act.
Coastal Wealth Management provides financial and retirement planning, investment advisory, insurance, and trust services. Securities and advisory services are offered through LPL Financial (member FINRA/SIPC). Trust services are available through Members Trust Company. A complimentary retirement planning session with a financial advisor is available to all members regardless of net worth or assets.
Coastal membership is open to employees of 1,800+ select employee groups (businesses, organizations, and associations that partner with Coastal), their immediate family members (spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsibling, and adoptive relationships), and household members. Membership is free; a $25 deposit into a Primary Savings Account is required to join.
Go Green Checking earns up to 5.00% APY on balances up to $10,000 with qualifying debit card transactions each month. Balances above $10,000 earn 0.05% APY. The account has no monthly service fees and no minimum balance requirement. The Go Green Bundle pairs this checking account with a Money Market Account for an exclusive higher rate on savings. The Early Pay feature provides access to direct deposits up to two days early.
Phone919-420-8000
Toll-Free1-800-868-4262
Mailing Address
Coastal Credit Union, PO Box 97009, Raleigh, NC 27624
WebsiteLearn more →
Member Services - Death Claims
Phone919-420-8000
Toll-Free1-800-868-4262
Mailing Address
Coastal Credit Union, PO Box 97009, Raleigh, NC 27624
Verified Mar 2026
Estate planning resources for Coastal CU customers
Tools and documents to help protect your Coastal CU accounts.
Do I Need a Revocable Trust?
Answer questions about your estate size, real estate, family situation, and privacy preferences to see how a revocable trust compares to a will alone.
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Are My Beneficiary Designations Protected?
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What Does Estate Planning Actually Cost?
See the true cost of estate planning. Compare SimplyTrust, Trust & Will, LegalZoom, and attorneys including life events like marriage, divorce, and having children.
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