Estate planning at IMCU
How to protect 13 IMCU accounts — manage beneficiaries in-branch, fund a trust in-branch, and file death claims
Member Services
Phone1-317-248-8556
Toll-Free1-800-556-9268
Emailmembers@imcu.com
Mailing Address
Indiana Members Credit Union, P.O. Box 47769, Indianapolis, IN 46247
QPhone (Phone Banking)
Fraud Department
Lost/Stolen Credit Card
WebsiteLearn more →
Member Services
Phone1-317-248-8556
Toll-Free1-800-556-9268
Emailmembers@imcu.com
Mailing Address
Indiana Members Credit Union, P.O. Box 47769, Indianapolis, IN 46247
QPhone (Phone Banking)
Fraud Department
Lost/Stolen Credit Card
WebsiteLearn more →
Death Claims (via Member Services)
Phone1-800-556-9268
Mailing Address
Indiana Members Credit Union, C/O Member Services, P.O. Box 47769, Indianapolis, Indiana 46247
Verified Mar 2026
IMCU is a credit union offering 13 accounts that interact with estate planning in different ways. As a membership-based credit union, IMCU headquartered in Indianapolis, Indiana. 32 full-service branches across Central and Southern Indiana. Membership open to individuals who live, work, worship, or attend school in 49 eligible Indiana counties and 21 eligible Kentucky counties. Understanding how each account transfers at death—and which ones a trust can hold—helps families avoid probate delays and unintended outcomes.
IMCU 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.
IMCU 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 13 account types at IMCU.
View details →When someone dies
Death claim process
7-step process, 5 required documents, and contact information for survivors.
View details →IMCU 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
Visit any IMCU branch, call 800-556-9268, or request a beneficiary form by mail. Online beneficiary designation is not currently available. You will need to provide beneficiary details including full name, date of birth, Social Security number, and relationship. POD designations are available for deposit accounts; IRA accounts use a separate beneficiary designation.
Yes. Visit any IMCU branch with your trust document (or Certificate of Trust), government-issued photo ID for all trustees, and the trust EIN or SSN. You will need to complete new account paperwork in the trust name. Existing accounts may need to be closed and reopened under the trust title. IRA accounts cannot be retitled to a trust but can name a trust as beneficiary.
IRAs cannot be retitled to a trust. However, you may name a trust as the beneficiary of your IRA at IMCU. Consult a tax advisor before doing so, as naming a trust as IRA beneficiary can have significant tax implications for distribution timelines and required minimum distributions.
IMCU membership is open to individuals who live, work, worship, or attend school in 49 eligible Indiana counties and 21 eligible Kentucky counties. Immediate family members of current IMCU members are also eligible. A $25 initial deposit is required to open a Membership Savings account. Visit imcu.com or call 800-556-9268 for the full list of eligible counties.
Member Services
Phone1-317-248-8556
Toll-Free1-800-556-9268
Emailmembers@imcu.com
Mailing Address
Indiana Members Credit Union, P.O. Box 47769, Indianapolis, IN 46247
QPhone (Phone Banking)
Fraud Department
Lost/Stolen Credit Card
WebsiteLearn more →
Member Services
Phone1-317-248-8556
Toll-Free1-800-556-9268
Emailmembers@imcu.com
Mailing Address
Indiana Members Credit Union, P.O. Box 47769, Indianapolis, IN 46247
QPhone (Phone Banking)
Fraud Department
Lost/Stolen Credit Card
WebsiteLearn more →
Death Claims (via Member Services)
Phone1-800-556-9268
Mailing Address
Indiana Members Credit Union, C/O Member Services, P.O. Box 47769, Indianapolis, Indiana 46247
Verified Mar 2026
Estate planning resources for IMCU customers
Tools and documents to help protect your IMCU 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.
Take the Quiz
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.
Check Now
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.
Compare Costs