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 May 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
New Hampshire repealed its small-estate statute (RSA 553:31) effective January 1, 2006, so there is no NH "small estate affidavit" in the traditional sense. Instead, qualifying estates use the Waiver of Administration under RSA 553:32, which is a simplified probate proceeding the NH Circuit Court Probate Division administers. GSCU honors a court order approving the waiver in lieu of full Letters Testamentary. Common qualifying scenarios include a surviving spouse named as sole beneficiary, all beneficiaries serving as co-administrators, or a trust named as sole beneficiary. See the NH Judicial Branch pamphlet at https://www.courts.nh.gov/sites/g/files/ehbemt471/files/documents/2021-07/pamphlet-e-waiverofadministrationinfo.pdf.
Visit any GSCU branch with a copy of the trust document pages showing the 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 Term-Share Certificate account types. GSCU does not act as trustee, does not monitor or enforce trust terms, and does not accept trust applications through its online platform - the application must be completed in branch. Call (800) 645-4728 first to confirm what documents to bring.
Sources
Data sourced from Granite State CU primary sources (14 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 May 2026
Estate planning articles
Learn how to protect your Granite State CU accounts and other assets with trusts, beneficiary designations, and estate planning documents.
