How to name beneficiaries and fund a trust at Idaho Central CU
Covers 18 deposit, and 3 retirement accounts — beneficiaries can be managed online
Member Services
P.O. Box 2469, Pocatello, ID 83206-2469
ICCU Wealth Management (Planning & Investing) — investment services through Osaic Institutions, Inc.
1111 S Silverstone Way, 5th Floor, Meridian, ID 83642
Death claims run through Member Services — ICCU has no separate estate department or claims portal
Idaho Central Credit Union, P.O. Box 2469, Pocatello, ID 83206-2469
There are two ways to keep your Idaho Central CU accounts out of probate: adding Payable on Death designations and retitling accounts into a trust. Because Idaho Central CU is a membership-based institution, trust retitling must maintain the membership eligibility requirement. Both methods ensure your accounts transfer directly to the people you choose, without court involvement.
Idaho Central CU has 21 product types, and the estate transfer rules differ across them. Some support Payable on Death (POD) designations, some can be retitled into a trust, and others will require probate if nothing is set up. Each is covered below.
- Full legal name
- Date of birth
- Relationship to account holder
- Current address and phone number
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- POD designation available for all personal deposit accounts (checking, savings, money market, certificates); not available on loans or business accounts
- A new POD form revokes all prior POD designations — always re-list every intended beneficiary when making changes
- IRA beneficiaries require a separate designation form independent of deposit account PODs
- For jointly owned accounts, the POD only takes effect after the last surviving joint owner dies
- Additional NCUA insurance coverage available with multiple POD beneficiaries (up to $250,000 per qualifying beneficiary)
Sources
Data sourced from Idaho Central CU primary sources (26 pages reviewed). How we research.
Download these Idaho Central CU instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against Idaho Central CU primary sources. Bring it to the branch or keep it beside the phone.
Member Services
P.O. Box 2469, Pocatello, ID 83206-2469
ICCU Wealth Management (Planning & Investing) — investment services through Osaic Institutions, Inc.
1111 S Silverstone Way, 5th Floor, Meridian, ID 83642
Death claims run through Member Services — ICCU has no separate estate department or claims portal
Idaho Central Credit Union, P.O. Box 2469, Pocatello, ID 83206-2469
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