What to do when a First Federal CU account holder dies
Contact First Federal CU — 4-step process, 4 required documents, and varies based on account type and documentation; pod claims typically faster than probate
First Federal Credit Union Contact Center
Phone(319) 743-7806
Mailing Address
First Federal Credit Union, 1035 N Center Point Rd, Hiawatha, IA 52233
After Hours Lost/Stolen Card
WebsiteLearn more→
First Federal Credit Union Contact Center
Phone(319) 743-7806
Mailing Address
First Federal Credit Union, 1035 N Center Point Rd, Hiawatha, IA 52233
After Hours Lost/Stolen Card
WebsiteLearn more→
Member Services
Phone(319) 743-7806
Mailing Address
First Federal Credit Union, 1035 N Center Point Rd, Hiawatha, IA 52233
Verified Mar 2026
When a First Federal CU member passes away, the Member Services 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 first step is contacting First Federal CU at (319) 743-7806 with the account holder's full name, account numbers, and a certified death certificate in hand.
Death claim process
To file a claim after an account holder's death, here is what First Federal CU requires:
Filing a claim
1
Notify First Federal Credit Union of the account holder's death:
- Call (319) 743-7806 or visit a branch location
- Provide the deceased member's full legal name and account number
2
Provide a certified death certificate
3
Choose the appropriate settlement path based on account type:
- For POD accounts: beneficiary provides death certificate and valid government-issued ID to claim funds
- For joint accounts with survivorship: ownership passes automatically to surviving owner(s)
- For non-POD individual accounts: executor provides Letters Testamentary or Letters of Administration
- For IRA accounts: beneficiary provides death certificate and completes distribution paperwork
4
Complete any required claim forms provided by the credit union
Required Documents
- Certified death certificate
- Government-issued photo ID for beneficiary or authorized representative
- Letters Testamentary or Letters of Administration (for probate estates)
- Small Estate Affidavit (if applicable under Iowa Code Chapter 633A)
Under Iowa Code Chapter 633A, small estates may qualify for simplified administration. Early withdrawal penalties on certificates may be waived upon death of account holder. Contact the credit union at (319) 743-7806 for assistance with death claims.
Processing timelines at First Federal CU: Varies based on account type and documentation; POD claims typically faster than probate. Incomplete documentation is the most common cause of delays—submitting all required documents with the initial claim helps avoid additional processing time.
To process a claim, First Federal CU needs Certified death certificate, Government-issued photo ID for beneficiary or authorized representative, Letters Testamentary or Letters of Administration (for probate estates), and Small Estate Affidavit (if applicable under Iowa Code Chapter 633A). Death certificates and court documents must be certified copies—photocopies are not accepted.
First Federal CU's Member Services can be reached by phone at (319) 743-7806 for questions throughout the claims process.
If the deceased held multiple First Federal CU accounts, each may require a separate claim or have different documentation requirements. The Member Services can confirm which accounts require individual attention and which can be processed together.
First Federal Credit Union Contact Center
Phone(319) 743-7806
Mailing Address
First Federal Credit Union, 1035 N Center Point Rd, Hiawatha, IA 52233
After Hours Lost/Stolen Card
WebsiteLearn more→
First Federal Credit Union Contact Center
Phone(319) 743-7806
Mailing Address
First Federal Credit Union, 1035 N Center Point Rd, Hiawatha, IA 52233
After Hours Lost/Stolen Card
WebsiteLearn more→
Member Services
Phone(319) 743-7806
Mailing Address
First Federal Credit Union, 1035 N Center Point Rd, Hiawatha, IA 52233
Verified Mar 2026
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