How to name beneficiaries and fund a trust at Golden 1
Covers 14 deposit, and 5 retirement accounts — beneficiaries must be updated in-branch
Member Service Contact Center
Phone1-877-465-3361
Fax1-916-732-2894
Mailing Address
Golden 1 Credit Union, P.O. Box 15966, Sacramento, CA 95852
International
WebsiteLearn more→
Deposit Account Servicing - Member Beneficiary Support
Phone1-877-465-3361
Mailing Address
Golden 1 Credit Union, Deposit Account Servicing, P.O. Box 15966, Sacramento, CA 95852, Attn: Member Beneficiary Support
WebsiteLearn more→
Deposit Account Servicing - Member Beneficiary Support
Phone1-877-465-3361
Toll-Free1-877-465-3361
Mailing Address
Golden 1 Credit Union, Deposit Account Servicing, P.O. Box 15966, Sacramento, CA 95852, Attn: Member Beneficiary Support
WebsiteNotify online→
Verified Apr 2026
The goal with your Golden 1 accounts is to make sure every account has a transfer mechanism in place—either a POD beneficiary designation or trust ownership. Because Golden 1 is a membership-based institution, trust retitling must maintain the membership eligibility requirement. Accounts without either one will require probate, which means court involvement and delays for your family.
Golden 1 has 19 product types, and the estate transfer rules differ across them. Some support Payable on Death (POD) designations, some can be retitled into a trust, and others will require probate if nothing is set up. Each is covered below.
Free CheckingEasy CheckingPremium CheckingMarketRate CheckingStudent CheckingGolden Prestige CheckingRegular SavingsHigh-Yield SavingsGrowth SavingsMoney Market SavingsYouth SavingsFlex SavingsSanta Saver SavingsTerm Savings Certificate
1
Visit any Golden 1 branch location.
2
Bring required documents:
- Valid government-issued photo ID for all account owners
- Beneficiary Designation Form (pre-filled or request one at the branch)
3
Complete and sign the form at the branch.
4
Branch staff will process the beneficiary update.
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- POD (Payable on Death) designations available for all deposit accounts.
- IRA accounts have separate beneficiary designations on the IRA application.
- Trusts can be named as POD beneficiaries on deposit accounts.
- All account owners must sign the Beneficiary Designation Form.
- Valid government-issued photo ID required for all account owners.
- Completing the form cancels and revokes all previous beneficiary designations for the account.
- If multiple beneficiaries are named, they share equally unless different percentages are specified (must total 100%).
- Cannot update beneficiaries through online or mobile banking.
Member Service Contact Center
Phone1-877-465-3361
Fax1-916-732-2894
Mailing Address
Golden 1 Credit Union, P.O. Box 15966, Sacramento, CA 95852
International
WebsiteLearn more→
Deposit Account Servicing - Member Beneficiary Support
Phone1-877-465-3361
Mailing Address
Golden 1 Credit Union, Deposit Account Servicing, P.O. Box 15966, Sacramento, CA 95852, Attn: Member Beneficiary Support
WebsiteLearn more→
Deposit Account Servicing - Member Beneficiary Support
Phone1-877-465-3361
Toll-Free1-877-465-3361
Mailing Address
Golden 1 Credit Union, Deposit Account Servicing, P.O. Box 15966, Sacramento, CA 95852, Attn: Member Beneficiary Support
WebsiteNotify online→
Verified Apr 2026
Estate planning articles
Learn how to protect your Golden 1 accounts and other assets with trusts, beneficiary designations, and estate planning documents.
