How to name beneficiaries and fund a trust at Hawaii State FCU
Covers 9 deposit, 2 retirement, and 2 lending accounts — beneficiaries must be updated in-branch
Member Service Call Center
Hawaii State FCU, P.O. Box 3072, Honolulu, HI 96802
Member Service Call Center (estate and trust accounts)
Hawaii State FCU, P.O. Box 3072, Honolulu, HI 96802
Member Service Call Center (deceased member accounts)
Hawaii State FCU, P.O. Box 3072, Honolulu, HI 96802
The goal with your Hawaii State FCU accounts is to make sure every account has a transfer mechanism in place—either a POD beneficiary designation or trust ownership. Because Hawaii State FCU is a membership-based institution, trust retitling must maintain the membership eligibility requirement. Accounts without either one will require probate, which means court involvement and delays for your family.
With 13 product types, Hawaii State FCU offers a range of transfer options. Some accounts support Payable on Death (POD) designations, others can be retitled into a trust, and some require probate if no beneficiary is designated. The sections below break down each step.
- Full legal name, date of birth, Social Security number, and relationship for each POD beneficiary
- For IRAs: a separate IRA beneficiary designation, because a POD designation on a deposit account does not apply to an IRA (Membership and Account Agreement, POD Account Designations)
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- Beneficiary changes cannot be made online or completed by phone alone: the Membership and Account Agreement requires a written designation signed by all then-living account owners on a form acceptable to Hawaii State FCU
- A POD designation does not apply to an IRA; IRAs need their own beneficiary designation
- If more than one POD beneficiary survives, the funds are split equally among them; if none survives the last owner, the funds go to the estate of the last living owner
- Naming a trust as beneficiary may require a Certification of Trust
- Notary service is available at Hawaii State FCU branches on a walk-in basis (free to members; a fee applies to non-members)
Sources
Data sourced from Hawaii State FCU primary sources (19 pages reviewed). How we research.
Download these Hawaii State FCU instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against Hawaii State FCU primary sources. Bring it to the branch or keep it beside the phone.
Member Service Call Center
Hawaii State FCU, P.O. Box 3072, Honolulu, HI 96802
Member Service Call Center (estate and trust accounts)
Hawaii State FCU, P.O. Box 3072, Honolulu, HI 96802
Member Service Call Center (deceased member accounts)
Hawaii State FCU, P.O. Box 3072, Honolulu, HI 96802
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