How to name beneficiaries and fund a trust at Delta Community CU
Covers 7 deposit, and 4 retirement accounts — beneficiaries must be updated in-branch
Phone1-404-715-4725
Toll-Free1-800-544-3328
Mailing Address
Delta Community Credit Union, 1030 Delta Blvd, Atlanta, GA 30354
Trust & Estate Specialists (404-677-4100, option 1 for trust account questions; option 2 for deceased trust/estate accounts)
IRA Team (404-677-4600, option 1 for beneficiary/DocuSign; option 2 for deceased-member IRA matters)
WebsiteLearn more→
Delta Community Retirement & Investment Services (DCRIS)
Phone1-404-677-4890
Trust & Estate Specialists (DeptTrust@DeltaCommunityCU.com)
IRA Team (DeptIRA@DeltaCommunityCU.com)
WebsiteLearn more→
Account Transition Department
Phone1-404-677-4659
Fax1-470-351-6550
Mailing Address
Delta Community Credit Union, Attn: Account Transition Services, P.O. Box 20541, Atlanta, GA 30320-2541
Verified Jul 2026
Preparing your Delta Community CU accounts for estate transfer involves two key steps: designating beneficiaries on each account and, where appropriate, retitling accounts into a trust. Because Delta Community CU is a membership-based institution, trust retitling must maintain the membership eligibility requirement. Accounts with Payable on Death designations or trust ownership bypass probate entirely.
Delta Community CU has 11 product types, and the estate transfer rules differ across them. Some support Payable on Death (POD) designations, some can be retitled into a trust, and others will require probate if nothing is set up. Each is covered below.
Personal Savings AccountAdditional Savings AccountFree CheckingInterest CheckingSpendSafe CheckingPersonal Money Market AccountCertificate of Deposit
1
Visit any Delta Community branch location (Monday-Friday 8:30 AM - 4:30 PM)
2
Request the appropriate beneficiary designation form:
- Designation of Savings, Checking, and/or CD Beneficiary form (for deposit accounts)
- IRA Change of Beneficiary form (for IRAs)
3
Provide each beneficiary's required information:
- Full legal name, Social Security number, date of birth, and desired percentage
- For a trust beneficiary: the trust name including the date established and the trust Tax ID Number
4
The primary member and all joint owners must sign the form
5
Submit the signed form to the branch representative
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- The beneficiary cannot be a joint owner of the same account
- If more than one beneficiary is named on a deposit account, all surviving beneficiaries receive equal shares
- IRA beneficiary designations supersede instructions in a will or trust
- Trusts may be named as POD beneficiary; trust name must include the date the trust was established
- Non-person entities (trusts, charities) require a Tax ID Number
- Neglecting to name an IRA beneficiary may result in assets passing through probate and mandatory distribution within five years
- Separate forms are used for deposit accounts versus IRA accounts
- POD designations on business accounts are only allowed on Sole Proprietorships; not available for Partnerships, LLCs, or Corporations
- HSA and Coverdell ESA accounts have their own separate beneficiary designation forms available at deltacommunitycu.com/home/forms.html
Sources
Data sourced from Delta Community CU primary sources (21 pages reviewed). How we research.
Download these Delta Community CU instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against Delta Community CU primary sources. Bring it to the branch or keep it beside the phone.
Phone1-404-715-4725
Toll-Free1-800-544-3328
Mailing Address
Delta Community Credit Union, 1030 Delta Blvd, Atlanta, GA 30354
Trust & Estate Specialists (404-677-4100, option 1 for trust account questions; option 2 for deceased trust/estate accounts)
IRA Team (404-677-4600, option 1 for beneficiary/DocuSign; option 2 for deceased-member IRA matters)
WebsiteLearn more→
Delta Community Retirement & Investment Services (DCRIS)
Phone1-404-677-4890
Trust & Estate Specialists (DeptTrust@DeltaCommunityCU.com)
IRA Team (DeptIRA@DeltaCommunityCU.com)
WebsiteLearn more→
Account Transition Department
Phone1-404-677-4659
Fax1-470-351-6550
Mailing Address
Delta Community Credit Union, Attn: Account Transition Services, P.O. Box 20541, Atlanta, GA 30320-2541
Verified Jul 2026
Estate planning articles
Learn how to protect your Delta Community CU accounts and other assets with trusts, beneficiary designations, and estate planning documents.
