Estate planning and settlement at Granite State CU

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 gSCU states on https://www.gscu.org/accounts/open-an-account.html that anyone who lives or works in New Hampshire can become a member ($10 pledge deposit opens the savings account, and that $10 remains as the minimum balance). Eligibility for residents of bordering Maine, Massachusetts, and Vermont counties is not published on gscu.org; confirm with GSCU at 1-800-645-4728 before assuming out-of-state eligibility. Eight branches -- Amherst, Candia, Concord, Derry, Manchester, Nashua, Rochester, Tilton -- plus a Raymond branch listed as coming early 2027 (https://www.gscu.org/visit.html). Secure night drop boxes are available at the Amherst, Concord, Nashua, Rochester, and Tilton branches, which is the after-hours route for handing in paperwork. Per https://www.gscu.org/shared-branches-and-atms.html, all GSCU locations except the Rochester branch participate in the Co-Op Shared Branch Network, though a deceased-member claim is handled by GSCU itself, not at a shared branch. With 15 account types, the transfer rules vary—getting the right designations in place now prevents delays and court involvement later.

Beneficiary designations at Granite State CU can be managed online, in branch, by phone, and by mail, typically taking 15 to 30 minutes. Trust funding is also available, allowing families to retitle accounts into the name of a revocable living trust.