Estate planning and settlement at First Community CU (ND)
Name beneficiaries in branch, fund a trust in branch, and report a death at 1-800-850-7676
First Community CU (ND) offers 15 accounts, each with its own rules for what happens when a member dies. As a membership-based credit union, First Community CU (ND) membership open to North Dakota residents who live within a 75-mile radius of Jamestown, Devils Lake, Page, or Portland; within a 50-mile radius of Valley City, Oakes, Napoleon, Steele, Bismarck, Wahpeton, or Wishek; within a 40-mile radius of Bisbee or Larimore; or in Marshall County, MN, and portions of Kittson County, MN (within a 75-mile radius of 2315 North Acres Dr., Crookston, MN). Immediate family of existing members also qualify. 27 locations throughout North Dakota and western Minnesota, including Minnesota branches in Crookston, East Grand Forks, and Moorhead. Estate consequences follow the deceased member's state of residence, not the branch: North Dakota levies no state estate or inheritance tax, while Minnesota imposes an estate tax on estates above its $3 million exemption (Minn. Stat. § 291.016). Some transfer automatically to a named beneficiary, others can be held in a trust, and a few may require probate if no plan is in place.
Beneficiary changes at First Community CU (ND) can be made in branch, by phone, and by mail. Accounts can also be retitled into a trust to keep them out of probate entirely.
First Community CU (ND) has documented procedures for both preparing accounts during your lifetime and handling claims when an account holder passes away.
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 15 account types at First Community CU (ND).
Preparing your estate →Death claim process
Report the death to First Community CU (ND)'s Member Services at 1-800-850-7676. The page lists the steps and the documents to send.
When someone dies →Because First Community CU (ND) serves a limited number of states, procedures for trust funding and beneficiary changes may differ depending on your location. Verify availability before starting.
Sources
Data sourced from First Community CU (ND) primary sources (15 pages reviewed). How we research.
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Estate planning articles
Learn how to protect your First Community CU (ND) accounts and other assets with trusts, beneficiary designations, and estate planning documents.
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