What to do when a First Community CU account holder dies
Contact First Community CU — 7-step process, 5 required documents, and joint accounts transfer immediately. pod accounts are typically processed within 2-4 weeks. estate accounts requiring probate documentation may take 30-90 days.
Phone1-855-328-2441
Mailing Address
First Community Credit Union, 200 N Adams St, Coquille, OR 97423
Main Office (Coquille)
Toll-Free
WebsiteLearn more →
Phone1-855-328-2441
Mailing Address
First Community Credit Union, 200 N Adams St, Coquille, OR 97423
Main Office (Coquille)
Toll-Free
WebsiteLearn more →
Death Claims
Phone(855) 328-2441
Mailing Address
First Community Credit Union, 200 N Adams St, Coquille, OR 97423
Verified Mar 2026
When a First Community CU member passes away, the Death Claims handles the transition of accounts to beneficiaries or the estate. Accounts with Payable on Death designations or trust ownership transfer outside of probate, while solely-owned accounts may require Letters Testamentary or Letters of Administration from the probate court.
The claim process begins with a phone call to (855) 328-2441. Have the account holder's full name, account numbers, and a certified death certificate available when making initial contact.
Death claim process
Here is the step-by-step death claim process at First Community CU:
Filing a claim
1Contact First Community at (855) 328-2441 or visit any branch to report the death of a member
2Provide a certified copy of the death certificate
3First Community reviews the account type and ownership structure to determine the distribution path
4For joint accounts with right of survivorship: the surviving joint owner continues to use the account normally
5For single-owner accounts with POD: account is closed and funds are disbursed directly to the named beneficiaries
6For single-owner accounts without POD: funds are distributed to the estate; executor provides Letters Testamentary or Letters of Administration
7For IRA accounts: beneficiary provides certified death certificate and completes IRA distribution paperwork
Required Documents
- Certified copy of the death certificate
- Government-issued photo ID for each beneficiary or claimant
- Letters Testamentary or Letters of Administration (when account has no POD designation and no joint owner)
- Small Estate Affidavit (if estate qualifies under Oregon law, ORS 114.515)
- Trust documents and trustee identification (when trust is named as beneficiary)
No dedicated death claim or estate services page was found on the official website as of 2026-03-01. The main phone line at (855) 328-2441 is the primary contact for reporting a death. Under Oregon law (ORS 708A.430 and ORS 114), POD beneficiary designations on deposit accounts pass funds directly to surviving beneficiaries on the death of the owner(s), bypassing probate.
Processing timelines at First Community CU: Joint accounts transfer immediately. POD accounts are typically processed within 2-4 weeks. Estate accounts requiring probate documentation may take 30-90 days.. Incomplete documentation is the most common cause of delays—submitting all required documents with the initial claim helps avoid additional processing time.
First Community CU requires several documents to process a claim, including Certified copy of the death certificate, Government-issued photo ID for each beneficiary or claimant, and Letters Testamentary or Letters of Administration (when account has no POD designation and no joint owner), and additional documentation depending on the account type. Certified copies are typically needed—photocopies are generally not accepted for death certificates or court documents.
Frequently asked questions
Visit any First Community branch, call (855) 328-2441, or request a beneficiary form by mail. Online beneficiary designation is not currently available. For deposit accounts, complete a POD (Payable on Death) beneficiary designation form. For IRA accounts, a separate IRA beneficiary designation form is required. Under Oregon law, POD designations cause funds to pass directly to surviving beneficiaries, bypassing probate.
The outcome depends on account ownership. Joint accounts pass to the surviving joint owner. Single-owner accounts with a POD designation are closed and funds are disbursed directly to the named beneficiaries under Oregon law. Single-owner accounts without a POD are distributed to the estate through probate. NCUA share insurance continues to cover joint and POD funds for up to six months after the date of death.
Contact First Community at (855) 328-2441 or visit any branch. You will need a certified death certificate and government-issued photo ID. For POD accounts, beneficiaries can claim funds directly. For joint accounts, the surviving owner provides the death certificate. For accounts without POD or joint ownership, Letters Testamentary or Letters of Administration from the probate court are required. Oregon small estate affidavits (ORS 114.515) may apply for qualifying estates.
First Community CU's Death Claims can be reached by phone at (855) 328-2441 for questions throughout the claims process.
If the deceased held multiple First Community CU accounts, each may require a separate claim or have different documentation requirements. The Death Claims can confirm which accounts require individual attention and which can be processed together.
Phone1-855-328-2441
Mailing Address
First Community Credit Union, 200 N Adams St, Coquille, OR 97423
Main Office (Coquille)
Toll-Free
WebsiteLearn more →
Phone1-855-328-2441
Mailing Address
First Community Credit Union, 200 N Adams St, Coquille, OR 97423
Main Office (Coquille)
Toll-Free
WebsiteLearn more →
Death Claims
Phone(855) 328-2441
Mailing Address
First Community Credit Union, 200 N Adams St, Coquille, OR 97423
Verified Mar 2026
Tools for settling a First Community CU estate
Calculators and checklists to help navigate estate settlement after a First Community CU account holder passes away.
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Do I Need Probate?
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