How to name beneficiaries and fund a trust at Hawaii State FCU
Covers 8 deposit, 2 retirement, and 2 lending accounts — beneficiaries must be updated in-branch
Member Service Call Center
Phone(808) 587-2700
Toll-Free1 (888) 586-1056
Mailing Address
Hawaii State FCU, P.O. Box 3072, Honolulu, HI 96802
WebsiteLearn more→
Member Services - Estate and Trust Accounts
Phone(808) 587-2700
Toll-Free1 (888) 586-1056
WebsiteLearn more→
Phone(808) 587-2700
Toll-Free1 (888) 586-1056
Mailing Address
Hawaii State FCU, P.O. Box 3072, Honolulu, HI 96802
WebsiteNotify online→
Verified Apr 2026
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 12 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.
HiFlex CheckingSimple CheckingDividend CheckingRelationship CheckingShare Savings AccountRelationship MAXAlways SavingTerm Share Certificate
1
Visit any Hawaii State FCU branch with a valid government-issued photo ID
2
Request to add or update POD (Payable on Death) beneficiary designations on your share (savings), share draft (checking), or term share accounts
3
Provide beneficiary information:
- For deposit accounts: request POD (Payable on Death) designation with beneficiary full legal name, date of birth, Social Security number, and relationship
- For IRA accounts: complete the IRA Beneficiary Designation form with primary and contingent beneficiary sections
4
Review and sign the updated account documentation
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- Trust beneficiary designations may require a copy of the Certification of Trust
- IRA beneficiary changes for married account holders may require spousal consent
Member Service Call Center
Phone(808) 587-2700
Toll-Free1 (888) 586-1056
Mailing Address
Hawaii State FCU, P.O. Box 3072, Honolulu, HI 96802
WebsiteLearn more→
Member Services - Estate and Trust Accounts
Phone(808) 587-2700
Toll-Free1 (888) 586-1056
WebsiteLearn more→
Phone(808) 587-2700
Toll-Free1 (888) 586-1056
Mailing Address
Hawaii State FCU, P.O. Box 3072, Honolulu, HI 96802
WebsiteNotify online→
Verified Apr 2026
Estate planning articles
Learn how to protect your Hawaii State FCU accounts and other assets with trusts, beneficiary designations, and estate planning documents.
