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
Grow Financial FCU, P.O. Box 89669, Tampa, FL 33689-0411
WebsiteLearn more→
Phone1-800-839-6328
Fax1-813-832-2080
Mailing Address
Grow Financial FCU, P.O. Box 89669, Tampa, FL 33689-0411
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 89669, Tampa, FL 33689-0411
Verified Apr 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.
At Grow Financial, beneficiary designations are managed 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
6-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.
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.
Yes. Deposit accounts at Grow Financial -- including checking, savings, money market, and certificate accounts -- can be retitled into a revocable living trust. You will need to visit a store location or submit documentation by mail. Bring a copy of your trust document or Certificate of Trust, government-issued photo ID for all trustees, and the trust EIN or trustee SSN. IRA and HSA accounts cannot be retitled to a trust, though a trust can be named as beneficiary on those accounts.
Yes. Grow Financial offers investment services through LPL Financial, a registered investment advisor and broker-dealer. Services include managed investment accounts, 401(k) rollovers, and IRA accounts. These accounts are not NCUA-insured, not credit union-guaranteed, and may lose value. Investment accounts held through LPL Financial have their own beneficiary and trust retitling processes separate from Grow Financial deposit accounts.
The Member Contact Center is available at 800-839-6328 Monday through Friday from 7am to 7pm and Saturday through Sunday from 9am to 6pm. Business Services can be reached at 800-839-6328 ext. 2240, Monday through Friday 7am to 6pm and Saturday 9am to 1pm. You can also use live chat and phone assistance through the Grow Financial website.
Sources
Data sourced from Grow Financial primary sources (18 pages reviewed). How we research.
Phone1-800-839-6328
Fax1-813-832-2080
Mailing Address
Grow Financial FCU, P.O. Box 89669, Tampa, FL 33689-0411
WebsiteLearn more→
Phone1-800-839-6328
Fax1-813-832-2080
Mailing Address
Grow Financial FCU, P.O. Box 89669, Tampa, FL 33689-0411
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 89669, Tampa, FL 33689-0411
Verified Apr 2026
Estate planning articles
Learn how to protect your Grow Financial accounts and other assets with trusts, beneficiary designations, and estate planning documents.
