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 Jul 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 Drive, Raleigh, NC 27609. Operates 23 branch locations across central North Carolina including the Research Triangle (Raleigh, Durham, Chapel Hill), Cary, Apex, Carrboro, Garner, Holly Springs, Henderson, and Rocky Mount. Branch locator at https://www.coastal24.com/about/about-coastal/locations. 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.
Beneficiary changes at Coastal CU can be made in branch, by mail, and by phone. Accounts can also be retitled into a trust to keep them out of probate entirely.
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
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 (locator at https://www.coastal24.com/about/about-coastal/locations) 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 to Coastal Credit Union, PO Box 58429, Raleigh, NC 27658.
Yes, through two separate channels. For managing trust assets, Coastal Wealth Management provides trust services through Members Trust Company alongside financial planning and investment advisory; securities and advisory services are offered through LPL Financial (member FINRA/SIPC), and investment accounts can be opened in or retitled to a trust through this channel. Separately, for creating the documents themselves, Coastal partners with Trust & Will (https://www.coastal24.com/products/planning-services/trust-and-will) to offer members a discount on online wills and trusts. Note that Trust & Will and Members Trust Company are independent companies, not affiliated with Coastal.
Sources
Data sourced from Coastal CU primary sources (24 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 Jul 2026
Estate planning articles
Learn how to protect your Coastal CU accounts and other assets with trusts, beneficiary designations, and estate planning documents.
