Estate planning at Granite State CU
How to protect 11 Granite State CU accounts — manage beneficiaries in-branch, fund a trust in-branch, and file death claims
Member Services
Phone1-800-645-4728
Emailmembers@gscu.org
Mailing Address
P.O. Box 6420, Manchester, NH 03108-6420
Lost/Stolen Card (after hours)
WebsiteLearn more→
Member Services
Phone1-800-645-4728
Emailmembers@gscu.org
Mailing Address
P.O. Box 6420, Manchester, NH 03108-6420
Lost/Stolen Card (after hours)
WebsiteLearn more→
Member Services (Death Claims)
Phone1-800-645-4728
Toll-Free1-800-645-4728
Emailmembers@gscu.org
Mailing Address
P.O. Box 6420, Manchester, NH 03108-6420
Verified Apr 2026
How your Granite State CU accounts transfer at death depends on how each one is set up. As a membership-based credit union, Granite State CU membership open to anyone who lives or works in New Hampshire. Also eligible: those who live or work in Maine counties of Oxford or York; Massachusetts counties of Essex, Franklin, Middlesex, or Worcester; or Vermont counties of Caledonia, Essex, Orange, Windham, or Windsor. Eight full-service branches: Manchester, Concord, Nashua, Derry, Rochester, Tilton, Candia, and Amherst (Raymond branch expected early 2027). Access to 30,000+ ATMs and 6,000+ CO-OP Shared Branch locations nationwide. With 11 account types, the transfer rules vary—getting the right designations in place now prevents delays and court involvement later.
Account holders can update their beneficiary designations at Granite State CU in branch, by mail, and by phone. Accounts can also be retitled into a trust to keep them out of probate entirely.
Granite State CU has documented procedures for both preparing accounts during your lifetime and handling claims when an account holder passes away.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 11 account types at Granite State CU.
View details →When someone dies
Death claim process
5-step process, 5 required documents, and contact information for survivors.
View details →Granite State CU is not available nationwide. Estate planning procedures may vary by state, so confirm that your location is served before making account changes.
Frequently asked questions
Membership is open to anyone who lives or works in New Hampshire. Residents of bordering counties are also eligible: Oxford or York counties in Maine; Essex, Franklin, Middlesex, or Worcester counties in Massachusetts; or Caledonia, Essex, Orange, Windham, or Windsor counties in Vermont. A $10 minimum deposit is required to open a savings account and establish membership. GSCU has eight full-service branches across NH and access to 30,000+ ATMs and 6,000+ CO-OP Shared Branches nationwide.
There is no limit on the number of beneficiaries you can add to a GSCU account. However, during online account opening, only two beneficiaries can be added; additional beneficiaries must be added by visiting a branch, calling (800) 645-4728, or emailing members@gscu.org. Funds are split as evenly as possible among all named beneficiaries unless specific percentages are designated. All account holders must sign to add or update beneficiaries.
Visit any GSCU branch with a copy of the trust document (showing trust name, establishing signatures, and trustee designations), an SSN or EIN for the trust, and government-issued ID for each trustee. A Certificate of Trust is accepted in lieu of the full trust document. Trust accounts are available for savings, checking, money market, and certificate account types. GSCU does not act as trustee and does not monitor or enforce trust terms. Contact (800) 645-4728 for details.
The Money Market Account requires a $2,500 minimum deposit to open and offers tiered dividend rates that increase with higher balances. The Easy Money Market Account requires a $10,000 minimum deposit and offers a single dividend rate regardless of balance. Both accounts must be opened in person at a GSCU branch, are federally insured up to $250,000 by NCUA, and support POD beneficiary designations.
Yes, GSCU offers IRA Savings accounts with tax-deferred growth and easy account access, available as Traditional or Roth IRAs. IRA accounts are separately insured up to $250,000 by NCUA. IRAs use a separate beneficiary designation form; POD designations do not apply to IRA accounts. Contact (800) 645-4728 or visit a branch to open an IRA.
Sources
Data sourced from Granite State CU primary sources (15 pages reviewed). How we research.
Member Services
Phone1-800-645-4728
Emailmembers@gscu.org
Mailing Address
P.O. Box 6420, Manchester, NH 03108-6420
Lost/Stolen Card (after hours)
WebsiteLearn more→
Member Services
Phone1-800-645-4728
Emailmembers@gscu.org
Mailing Address
P.O. Box 6420, Manchester, NH 03108-6420
Lost/Stolen Card (after hours)
WebsiteLearn more→
Member Services (Death Claims)
Phone1-800-645-4728
Toll-Free1-800-645-4728
Emailmembers@gscu.org
Mailing Address
P.O. Box 6420, Manchester, NH 03108-6420
Verified Apr 2026
Estate planning articles
Learn how to protect your Granite State CU accounts and other assets with trusts, beneficiary designations, and estate planning documents.
