What happens to your First Federal CU accounts when you die
No beneficiary or trust option on any account, so they pass through the estate
First Federal CU does not currently support beneficiary designations, transfer-on-death registrations, or trust account titling on any account type. All First Federal CU accounts pass through the estate at death and may require probate.
When an account holder dies, the executor or administrator will need to contact First Federal CU with a death certificate and legal authority documents to claim account balances. The process and required documents are covered on the death claim page.
First Federal CU does not currently support beneficiary designations (POD or TOD) on any account type. All accounts transfer through the estate at death and may require probate.
Why trust accounts are not available
First Federal CU does not support retitling accounts into a trust, naming a trust as beneficiary, or any other probate-avoidance mechanism. Account balances transfer through the estate at death.
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Charity Checking
Every debit card transaction of $10 or greater made with a PIN at a point-of-sale terminal earns a reward for the cardholder, and a local charity selected each calendar quarter receives matching rewards from qualifying activity across all Charity Checking accounts. Charity Rewards accumulate in place of dividends and are paid annually on or before November 30th. $50 opening deposit. No minimum balance. No monthly service charge. Free Visa debit card with chip technology; free online banking, bill pay and mobile deposit; over 30,000 free nationwide ATMs. Overdraft Reserve limit of $500 (subject to approval).
Share Savings Account
Opening a share savings account is how membership is established ("Becoming a member is as easy as opening a share savings account for as little as five dollars"). $5 minimum deposit to open; minimum $5 balance required. No annual fee. Earns 0.05% APY on all balances (rates effective September 21, 2026). Federally insured by NCUA.
Fed Up Money Market
Minimum opening deposit of $10,000. If the Federal Reserve changes the Fed Funds Overnight Rate 1/4%, the Fed Up Money Market rate on qualifying balances changes at least .10%. Variable rate compounded monthly; the portion of a daily balance above $500,000 earns .10% APY. Compounded rates paid on the entire account balance. No monthly maintenance fee. Immediate access to funds. Federally insured by NCUA. First Federal also offers a tiered Personal Money Market account.
Certificate
Minimum opening deposit of $1,000. Terms available from 90 days to 5 years; the member chooses the term and how the funds are used once the certificate reaches maturity. NCUA-insured up to applicable limits. The limited-time 100-day Century Certificate special (7.30% APY as of September 21, 2026; $5,000 balance; new money only) permits no deposits or withdrawals during the term, forfeits all dividends on early withdrawal, and renews automatically at maturity to a 3-month certificate.
IRA Savings
$100 minimum deposit to open an IRA Savings account; earns 0.05% APY ($100 average daily balance; rates effective September 21, 2026). First Federal describes its IRAs as offering contributions that are tax-deductible depending on income level, with withdrawals able to begin at age 59 1/2.
Sources
(2)·
Data sourced from First Federal CU primary sources (13 pages reviewed). How we research.
First Federal CU estate support
First Federal Credit Union Contact Center
Phone
Lost or Stolen ATM/Debit Card, After Hours
Card Assistance Center (credit card disputes)
Mailing address
Website
Estate requests go through general customer service.
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