Estate planning at CommunityAmerica
How to protect 18 CommunityAmerica accounts — manage beneficiaries in-branch, fund a trust in-branch, and file death claims
CommunityAmerica Credit Union, 9777 Ridge Drive, Lenexa, KS 66219
CommunityAmerica Credit Union, 9777 Ridge Drive, Lenexa, KS 66219
Estate Representative / Account Settlement
CommunityAmerica Credit Union, 9777 Ridge Drive, Lenexa, KS 66219
CommunityAmerica is a credit union offering 18 accounts that interact with estate planning in different ways. As a membership-based credit union, CommunityAmerica headquartered in Lenexa, KS. Primary service area is the Kansas City metro (Jackson, Clay, Platte, Cass counties in MO; Johnson, Wyandotte, Douglas, Jefferson, Leavenworth, Miami, Shawnee counties in KS) and St. Louis. Following the November 2025 merger with UNIFY Financial, branches now also operate in Arkansas, California, Nevada, Tennessee, and Texas. Membership available through geographic eligibility, family membership, employer groups, or Friends of Hobbs nonprofit. 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 CommunityAmerica can be made in branch and by phone. Accounts can also be retitled into a trust to keep them out of probate entirely.
CommunityAmerica has documented procedures for both preparing accounts during your lifetime and handling claims when an account holder passes away.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 18 account types at CommunityAmerica.
View details →When someone dies
Death claim process
9-step process, 6 required documents, and contact information for survivors.
View details →CommunityAmerica 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
Visit a CommunityAmerica branch with your complete trust document or Certificate of Trust, government-issued photo ID for all trustees, and the trust EIN. Complete a trust account application and CommunityAmerica will retitle the accounts to trust ownership. IRAs cannot be retitled into a trust but a trust can be named as the IRA beneficiary. For trust-related investment accounts, contact CommunityAmerica Wealth Management (Copper Financial) at 800.892.7957.
CommunityAmerica offers trust services through Copper Financial Network, LLC, a wholly-owned subsidiary operating as a Trust Representative Office of National Advisors Trust Company (NATC) and National Advisors Trust of South Dakota, Inc. (NATSD), doing business as CommunityAmerica Trust Services. Supported trust types include revocable trusts, irrevocable trusts, charitable trusts, irrevocable life insurance trusts, special needs trusts, and institutional trusts, plus agent-for-trustee and custodial services. CommunityAmerica Wealth Management advisors (including Heath Burch and Scott Adams) provide estate and financial planning consultations. Contact a Wealth Advisor at 800.892.7957.
Yes. A trust can be named as the beneficiary on a Traditional IRA, Roth IRA, or Certificate IRA at CommunityAmerica. However, IRAs cannot be retitled directly into a trust. The beneficiary designation is completed on a separate IRA beneficiary form at the branch or by calling 800.892.7957. Naming a trust as IRA beneficiary may have tax implications; consult a tax professional before making this designation.
Sources
Data sourced from CommunityAmerica primary sources (16 pages reviewed). How we research.
CommunityAmerica Credit Union, 9777 Ridge Drive, Lenexa, KS 66219
CommunityAmerica Credit Union, 9777 Ridge Drive, Lenexa, KS 66219
Estate Representative / Account Settlement
CommunityAmerica Credit Union, 9777 Ridge Drive, Lenexa, KS 66219
Estate planning articles
Learn how to protect your CommunityAmerica accounts and other assets with trusts, beneficiary designations, and estate planning documents.
