Estate planning at Grow Financial
How to protect 15 Grow Financial accounts — manage beneficiaries in-branch, fund a trust in-branch, and file death claims
Phone1-800-839-6328
Fax1-813-832-2080
Mailing Address
P.O. Box 89909, Tampa, FL 33689-0415
WebsiteLearn more →
Phone1-800-839-6328
Fax1-813-832-2080
Mailing Address
P.O. Box 89909, Tampa, FL 33689-0415
WebsiteLearn more →
Death Claims
Phone1-800-839-6328
Toll-Free1-800-839-6328
Fax(813) 832-2088
Mailing Address
Grow Financial FCU, P.O. Box 89909, Tampa, FL 33689-0415
Verified Feb 2026
Grow Financial is a credit union offering 15 accounts that interact with estate planning in different ways. As a membership-based credit union, Grow Financial serves West Central Florida (Hernando, Hillsborough, Manatee, Pasco, Pinellas, Polk counties) and South Carolina (Midlands and Low Country). Also open to active/retired military, employees of 1,500+ Select Employee Groups, and family/household of existing members. Originally military-focused (MacDill AFB), now open broadly. Membership requires opening a Basic Savings Account with a $1 minimum deposit. Understanding how each account transfers at death—and which ones a trust can hold—helps families avoid probate delays and unintended outcomes.
Grow Financial 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.
Grow Financial 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 15 account types at Grow Financial.
View details →When someone dies
Death claim process
9-step process, 6 required documents, and contact information for survivors.
View details →Grow Financial 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
Grow Financial does not currently offer online beneficiary management for deposit accounts. You must visit a store location, call 800-839-6328, or submit changes by mail. For investment accounts held through LPL Financial, contact your financial advisor about their online beneficiary management options.
Per the Universal Account Agreement, if all named POD beneficiaries predecease the account owner(s), the funds are paid to the estate of the last surviving account owner. This means the account would go through probate. It is important to keep beneficiary designations current to avoid this situation.
Grow Financial partners with Trust & Will to offer members a 25% discount on estate planning services. These include wills, trusts, powers of attorney, guardian designation, beneficiary designation, and healthcare directives. Most users complete their plan in less than 30 minutes. Grow Financial also offers investment services through LPL Financial, which includes estate planning guidance and consultations.
Visit a Grow Financial store location with your trust document or Certificate of Trust, government-issued ID for all trustees, and the trust EIN or trustee SSN. A representative will help complete the trust account application and retitle existing accounts. You can also initiate the process by mail after calling 800-839-6328 to request the required forms. For investment accounts held through LPL Financial, you must work with your LPL advisor to retitle those accounts separately.
IRAs (Traditional, Roth, and IRA Certificates) cannot be titled in the name of a trust. However, you can name a trust as the beneficiary of your IRA. Consult a tax advisor before doing this, as naming a trust as IRA beneficiary can have significant tax implications for distribution timelines.
Yes. While Grow Financial was founded in 1955 as MacDill Air Force Base Federal Credit Union, membership is now open to a broad range of people in West Central Florida and South Carolina, not just military personnel. The first step to joining is opening a Basic Savings Account with a minimum $1 deposit, which makes you a credit union member with access to all products and services.
Phone1-800-839-6328
Fax1-813-832-2080
Mailing Address
P.O. Box 89909, Tampa, FL 33689-0415
WebsiteLearn more →
Phone1-800-839-6328
Fax1-813-832-2080
Mailing Address
P.O. Box 89909, Tampa, FL 33689-0415
WebsiteLearn more →
Death Claims
Phone1-800-839-6328
Toll-Free1-800-839-6328
Fax(813) 832-2088
Mailing Address
Grow Financial FCU, P.O. Box 89909, Tampa, FL 33689-0415
Verified Feb 2026
Estate planning resources for Grow Financial customers
Tools and documents to help protect your Grow Financial accounts.
Do I Need a Revocable Trust?
Answer questions about your estate size, real estate, family situation, and privacy preferences to see how a revocable trust compares to a will alone.
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Are My Beneficiary Designations Protected?
See how your state handles beneficiary designations after divorce, inherited IRA creditor protection, and spousal consent requirements for retirement accounts.
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What Does Estate Planning Actually Cost?
See the true cost of estate planning. Compare SimplyTrust, Trust & Will, LegalZoom, and attorneys including life events like marriage, divorce, and having children.
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