How to name beneficiaries and fund a trust at Ent CU
Beneficiaries are managed in branch or by phone. Trust paperwork is taken in branch or by phone
Ent CU merged into Wings CUMerged, effective January 2026
Ent Credit Union and Minnesota-based Wings Credit Union completed a merger of equals effective January 1, 2026. Wings members voted to adopt ENT'S charter, so Ent's charter (NCUA 68671, chartered 1957) survived and was renamed — the NCUA Locator now shows charter 68671 as "WINGS," Active, a Colorado state charter. Ent continues doing business as Ent Credit Union at its Colorado service centers while the brand transitions; ent.com page titles now read "Wings Credit Union, previously Ent," the Membership Service Agreement (Rev. 07/13/2026) defines "we, us, our and credit union" as Wings Credit Union throughout, and wingsco.com 301s to ent.com. Existing account numbers, checks, cards, POD/beneficiary designations, and trust account titling remain unchanged, and no service centers close as a result of the merger; full systems integration is expected to take until 2028. Share-insurance note published on every ent.com page: a member holding both legacy Ent and legacy Wings Financial share accounts will have those accounts treated as one account after June 30, 2026, insured to a maximum of $250,000 under NCUA share insurance — an executor totalling a decedent's balances across both legacy institutions should check the combined insured figure rather than assuming separate coverage.
There are two ways to keep your Ent CU accounts out of probate: adding Payable on Death designations and retitling accounts into a trust. Because Ent CU is a membership-based institution, trust retitling must maintain the membership eligibility requirement. Both methods ensure your accounts transfer directly to the people you choose, without court involvement.
Across 12 product types, Ent CU accounts vary in how they transfer at death. The sections below walk through Payable on Death (POD) designations, trust funding options, and which products support each method.
Required Documents
- Government-issued photo ID (at a service center). A driver's license, passport, state-issued ID or military ID
- Beneficiary's full legal name
- Beneficiary's Social Security number
- Beneficiary's date of birth
- Percentage allocation for each beneficiary
- Trust name, including the date established (when naming a trust)
- Trust Tax ID Number (EIN) (when naming a trust)
- Credit Union Affidavit of Trust or Certificate of Trust
- All trust amendments
- Valid government-issued photo ID for all trustees
Required Documents
- Credit Union Affidavit of Trust or Certificate of Trust. Ent takes either the Credit Union Affidavit of Trust or a similar Certificate of Trust
- All trust amendments
- Government-issued photo ID (for all trustees). A driver's license, passport, state-issued ID or military ID
- Signed form and documentation acceptable to Ent. Account changes must be evidenced by a signed form and appropriate documentation acceptable to Ent
Required Documents
- Government-issued photo ID (at a service center). A driver's license, passport, state-issued ID or military ID
- Beneficiary's full legal name
- Beneficiary's Social Security number
- Beneficiary's date of birth
- Percentage allocation for each beneficiary
- Trust name, including the date established (when naming a trust)
- Trust Tax ID Number (EIN) (when naming a trust)
- Credit Union Affidavit of Trust or Certificate of Trust
- All trust amendments
- Valid government-issued photo ID for all trustees
Required Documents
- Credit Union Affidavit of Trust or Certificate of Trust. Ent takes either the Credit Union Affidavit of Trust or a similar Certificate of Trust
- All trust amendments
- Government-issued photo ID (for all trustees). A driver's license, passport, state-issued ID or military ID
- Signed form and documentation acceptable to Ent. Account changes must be evidenced by a signed form and appropriate documentation acceptable to Ent
Required Documents
- Government-issued photo ID (at a service center). A driver's license, passport, state-issued ID or military ID
- Beneficiary's full legal name
- Beneficiary's Social Security number
- Beneficiary's date of birth
- Percentage allocation for each beneficiary
- Trust name, including the date established (when naming a trust)
- Trust Tax ID Number (EIN) (when naming a trust)
What Ent CU says about beneficiaries and trusts
Each section is Ent CU's own statement, with the document it comes from numbered under Sources.
Which accounts take a beneficiary1
- IRA
POD or trust beneficiaries do not apply to IRAs, which use a separate beneficiary designation process.1
Who can be named1
- A trust, payable-on-death accounts
Members may name a trust as the POD beneficiary on deposit accounts, as an alternative to retitling the accounts to the trust.1
How many beneficiaries, and how shares are split
What a designation takes to be effective
- All accounts
The request to add or change a beneficiary must come from the primary account holder. Joint owners are not required to sign.1
What Ent CU's agreement says about beneficiaries1
- Who can see the designation
Ent has no obligation to notify any beneficiary of the existence of any account or the vesting of the beneficiary's interest.1
Which accounts a trust can hold1
- IRA
An IRA is a distinct account type and cannot be converted under a trust.1
Trust account forms Ent CU issues1
- Trust account application
Provided at a branch.1
What Ent CU says about trust accounts2
- Whether a new account is opened
Ent reserves the right, in its sole discretion, to refuse any trust for membership or for new accounts opened under the name of the trust.1
- Review of the trust document
Ent reviews the trust documentation and may request additional pages or the full trust document at its discretion.1
Not in Ent CU's published guidance1
- A beneficiary form to download
Sources2
Sources
Data sourced from Ent CU primary sources (20 pages reviewed). How we research.
Download these Ent CU instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against Ent CU primary sources. Bring it to the branch or keep it beside the phone.
Ent CU estate support
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