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
Contact Center
Phone919-420-8000
Toll-Free1-800-868-4262
Mailing Address
Coastal Credit Union, PO Box 58429, Raleigh, NC 27658
WebsiteLearn more→
Member Services - Death Claims
Phone919-420-8000
Toll-Free1-800-868-4262
Mailing Address
Coastal Credit Union, PO Box 58429, Raleigh, NC 27658
Verified Apr 2026
How your Coastal CU accounts transfer at death depends on how each one is set up. 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. With 15 account types, the transfer rules vary—getting the right designations in place now prevents delays and court involvement later.
Coastal CU lets account holders update beneficiary designations 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.
There are two sides to estate planning at Coastal CU: 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 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. 5-step process, 6 required documents, and contact information for survivors.
View details →Coastal CU's Coastal Wealth Management can answer questions about beneficiaries, trusts, or death claims 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
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.
Yes. Coastal Credit Union allows deposit accounts (checking, savings, money market, and share certificates) to be opened in or retitled to the name of a revocable living trust. Visit a branch with your trust document or Certificate of Trust, trustee government-issued photo ID, and the trust EIN. All parties to the trust (settlors, beneficiaries, and trustees) must be within Coastal's field of membership. IRA accounts cannot be retitled to a trust but can name a trust as beneficiary.
Yes. A revocable living trust can be named as the beneficiary of a Traditional IRA, Roth IRA, SEP IRA, or IRA Certificate at Coastal Credit Union. The IRA remains in the individual owner's name and cannot be retitled to the trust. Beneficiary designations are completed at the time of account opening and can be updated by submitting a new IRA beneficiary form at a branch or by mail.
Sources
Data sourced from Coastal CU primary sources (19 pages reviewed). How we research.
Contact Center
Phone919-420-8000
Toll-Free1-800-868-4262
Mailing Address
Coastal Credit Union, PO Box 58429, Raleigh, NC 27658
WebsiteLearn more→
Member Services - Death Claims
Phone919-420-8000
Toll-Free1-800-868-4262
Mailing Address
Coastal Credit Union, PO Box 58429, Raleigh, NC 27658
Verified Apr 2026
Estate planning articles
Learn how to protect your Coastal CU accounts and other assets with trusts, beneficiary designations, and estate planning documents.
