Estate planning at Congressional FCU
How to protect 15 Congressional FCU accounts — manage beneficiaries in-branch, fund a trust in-branch, and file death claims
Member Services
Phone(703) 934-8300
Toll-Free(800) 491-2328
Fax(703) 934-8307
Mailing Address
Congressional Federal Credit Union, PO Box 2408, Merrifield, VA 22116-2408
WebsiteLearn more →
Member Services
Phone(703) 934-8300
Toll-Free(800) 491-2328
Fax(703) 934-8307
Mailing Address
Congressional Federal Credit Union, PO Box 2408, Merrifield, VA 22116-2408
WebsiteLearn more →
Member Services - Death Claims
Phone(703) 934-8300
Toll-Free(800) 491-2328
Fax(703) 934-8307
Mailing Address
Congressional Federal Credit Union, PO Box 2408, Merrifield, VA 22116-2408
Verified Feb 2026
Congressional FCU is a credit union offering 15 accounts that interact with estate planning in different ways. As a membership-based credit union, Congressional FCU membership open to employees and members of eligible organizations, associations, and clubs on Capitol Hill and in the DC metro area. Includes current and retired members of Congress, congressional staff, and employees of partner organizations. Family members of existing members are also eligible. $5 minimum savings balance required to establish and maintain membership. 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 Congressional FCU can be managed in branch and by mail, typically taking 15-30 minutes. Trust funding is also available, allowing families to retitle accounts into the name of a revocable living trust.
Congressional FCU 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 Congressional FCU.
View details →When someone dies
Death claim process
8-step process, 4 required documents, and contact information for survivors.
View details →Congressional FCU 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
Download the Designate a POD Beneficiary form from the Forms & Applications page on congressionalfcu.org or request one at any branch. Complete the form with each beneficiary's full legal name, Social Security number, date of birth, and relationship. Designate primary and contingent beneficiaries with percentage allocations. All account owners must sign the form. Submit by mail or at a branch. The POD form is for personal deposit accounts only and should not be used for IRA accounts.
Yes. You can name your revocable living trust as a POD beneficiary on deposit accounts including savings, checking, money market, and share certificates. This provides a simplified alternative to retitling accounts to trust ownership. Contact Congressional FCU at (703) 934-8300 or (800) 491-2328, or visit a branch for guidance on listing the trust correctly on the beneficiary form.
Complete the IRA Designation of a Beneficiary form, available on the Forms & Applications page at congressionalfcu.org or at any branch. The IRA beneficiary form is separate from the POD form used for deposit accounts. IRA beneficiary designations supersede instructions in a will or trust. Submit the completed form at a branch or by mail to the Merrifield, VA mailing address.
Membership is open to employees and members of eligible organizations, associations, and clubs on Capitol Hill and in the DC metro area. This includes current and retired members of Congress, congressional staff, and employees of partner organizations. Family members of existing members are also eligible. A $5 minimum savings deposit is required to establish and maintain membership. Visit congressionalfcu.org or call (800) 491-2328 for the full list of eligible organizations.
Visit a Congressional FCU branch with the Certificate of Trust or relevant pages of the trust document and valid government-issued photo ID for all trustees. Complete a trust account application and the credit union will retitle accounts to trust ownership. Alternatively, you can name your trust as POD beneficiary on personal deposit accounts as a simpler approach. Call (703) 934-8300 or (800) 491-2328 to discuss which option is appropriate.
Congressional FCU offers five checking account options: Classic Checking (no monthly fee, basic features), Heritage Checking ($6/month waivable, identity monitoring and free cashier's checks), Capitol Checking ($10/month waivable, premium benefits with $1,000 minimum), Independence Checking (no fee, free checks), and Freedom Checking (no fee, basic features). All include a contactless Visa debit card, anywhere banking, and e-statements. All checking accounts support POD beneficiary designations and can be retitled to a trust.
Yes. Congressional Financial Network provides investment advisory and securities services including mutual funds, IRAs, fixed and variable annuities, long-term care insurance, and life insurance. Registered Representatives offer securities through Securities America, Inc., and Investment Advisor Representatives offer financial advice through USAdvisors Wealth Management LLC. These services are available at the Longworth, Ford, Rayburn, and Oakton branches. Contact (703) 934-8300 and ask for the Financial Consultant.
Member Services
Phone(703) 934-8300
Toll-Free(800) 491-2328
Fax(703) 934-8307
Mailing Address
Congressional Federal Credit Union, PO Box 2408, Merrifield, VA 22116-2408
WebsiteLearn more →
Member Services
Phone(703) 934-8300
Toll-Free(800) 491-2328
Fax(703) 934-8307
Mailing Address
Congressional Federal Credit Union, PO Box 2408, Merrifield, VA 22116-2408
WebsiteLearn more →
Member Services - Death Claims
Phone(703) 934-8300
Toll-Free(800) 491-2328
Fax(703) 934-8307
Mailing Address
Congressional Federal Credit Union, PO Box 2408, Merrifield, VA 22116-2408
Verified Feb 2026
Estate planning resources for Congressional FCU customers
Tools and documents to help protect your Congressional FCU accounts.
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