Estate planning at GreenState CU
How to protect 11 GreenState CU accounts — manage beneficiaries in-branch, fund a trust in-branch, and file death claims
Member Services (Death Claims)
Phone1-800-397-3790
Toll-Free1-800-397-3790
Mailing Address
PO Box 800, North Liberty, IA 52317-0800
Verified Mar 2026
GreenState CU is a credit union offering 11 accounts that interact with estate planning in different ways. As a membership-based credit union, GreenState CU membership open to anyone who lives or works anywhere in Iowa, or in bordering counties in Illinois (Boone, Carroll, DuPage, Hancock, Henderson, Henry, Jo Daviess, Kane, Knox, McHenry, Mercer, Ogle, Rock Island, Stephenson, Warren, Whiteside, Will County north of I-80, Winnebago), Nebraska (Dakota, Thurston, Burt, Washington, Douglas, Sarpy, Cass, Otoe), South Dakota (Union, Lincoln, Minnehaha, Moody, Brookings), and Wisconsin counties bordering Iowa. University of Iowa students, alumni, and staff are also eligible, as are Iowa Consumer Council/American Consumer Council members and direct family of current members. Access to 30,000+ ATMs via CO-OP Network. Understanding how each account transfers at death—and which ones a trust can hold—helps families avoid probate delays and unintended outcomes.
GreenState CU handles beneficiary designations in branch, by mail, and by phone. Accounts can also be retitled into a trust to keep them out of probate entirely.
GreenState CU provides specific procedures for both proactive estate planning and filing claims after a death.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 11 account types at GreenState CU.
View details →When someone dies
Death claim process
9-step process, 5 required documents, and contact information for survivors.
View details →GreenState CU operates in select states, so estate planning procedures may vary by location. Confirm availability in your state before initiating trust funding or account changes.
Frequently asked questions
Yes. A trust can be named as a POD beneficiary on deposit accounts. You will need the full legal name of the trust and its tax identification number. Alternatively, you can retitle accounts directly into the name of the trust by providing trust documentation at a branch.
GreenState offers two levels of trust support: (1) standard trust-titled deposit accounts where you provide trust documentation and accounts are titled in the trust name, and (2) GreenState Trust Services (powered by Members Trust Company), which provides full-service trust administration, estate planning, and investment management. Members Trust Company is a federal thrift regulated by the OCC. Trust and investment products through Members Trust Company are not NCUA-insured and may lose value.
Visit any branch with trust document pages showing the trust name, establishing signatures, and trustee designations, along with the trust's SSN or EIN and government-issued ID for each trustee. A Certificate of Trust is also accepted. Accounts can be titled in the trust name for savings, checking, money market, and certificate account types. GreenState does not act as trustee on standard trust-titled deposit accounts.
IRA beneficiary designations use a separate form from POD designations on deposit accounts. Contact GreenState at (800) 397-3790 or visit any branch to complete an IRA beneficiary designation form. A trust can be named as the IRA beneficiary, but IRAs cannot be retitled into a trust. IRA correspondence can be mailed to GreenState Credit Union Attn: IRA Department, 2355 Landon Rd, North Liberty, IA 52317.
Membership is open to anyone who lives or works in Iowa, or in bordering counties in Illinois, Nebraska, South Dakota, or Wisconsin. University of Iowa students, alumni, and staff are also eligible. Direct family members of current GreenState members qualify, as do members of the Iowa Consumer Council or American Consumer Council. A $5 minimum deposit in a Share Savings account establishes membership.
GrowGreen Checking earns up to 4.00% APY on balances up to $19,999 when you meet monthly requirements including 15+ debit/credit card purchases of $15+, a $500+ ACH deposit or withdrawal, and a $1,000 minimum average daily balance. A lower tier of up to 3.00% APY is available with debit card activity alone. RewardsPlus Checking also earns a premium yield on balances up to $19,999 but requires 15+ GreenState credit card purchases of $10+ per month and a $250+ ACH deposit or withdrawal, and offers cashback points on credit card purchases. Both accounts have no monthly service fees.
Member Services (Death Claims)
Phone1-800-397-3790
Toll-Free1-800-397-3790
Mailing Address
PO Box 800, North Liberty, IA 52317-0800
Verified Mar 2026
Estate planning resources for GreenState CU customers
Tools and documents to help protect your GreenState CU accounts.
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