Estate planning at IMCU
How to protect 13 IMCU accounts — manage beneficiaries in-branch, fund a trust in-branch, and file claims through IMCU's Indiana Members Investment Services (available through LPL Financial)
Member Services
Indiana Members Credit Union, P.O. Box 47769, Indianapolis, IN 46247
Indiana Members Investment Services (available through LPL Financial)
Member Services (IMCU has no separate death-claims department or claims portal)
Indiana Members Credit Union, C/O Member Services, P.O. Box 47769, Indianapolis, Indiana 46247
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. 33 full-service branches across Central and Southern Indiana (branch list at https://www.imcu.com/connect/locations). Anyone who lives or works in Central or Southern Indiana is eligible to join; the field of membership listed at https://www.imcu.com/connect/about-us covers 55 Indiana counties (Randolph County limited to Jackson and Wayne Townships) and 22 Kentucky counties. Understanding how each account transfers at death—and which ones a trust can hold—helps families avoid probate delays and unintended outcomes.
Beneficiary designations at IMCU can be managed in branch, by mail, and by phone, typically taking 15-30 minutes in branch; allow additional mail transit and processing time. Trust funding is also available, allowing families to retitle accounts into the name of a revocable living trust.
There are two sides to estate planning at IMCU: setting things up while you're alive, and the process survivors follow 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
Contact IMCU's Indiana Members Investment Services (available through LPL Financial) to file a claim. 5-step process, 7 required documents, and contact information for survivors.
View details →For questions about any of these procedures, contact IMCU's Indiana Members Investment Services (available through LPL Financial) at 1-317-610-3945.
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
Deposit accounts can be retitled into the name of a revocable living trust at IMCU, but membership eligibility still depends on at least one trustee meeting IMCU's field of membership requirements (living, working, worshipping, or attending school in an eligible Indiana or Kentucky county, or being an immediate family member of a current IMCU member). The trust itself does not qualify for membership independently. A trust EIN or the grantor's SSN (for revocable trusts) is required to open or retitle the account.
Sources
Data sourced from IMCU primary sources (15 pages reviewed). How we research.
Member Services
Indiana Members Credit Union, P.O. Box 47769, Indianapolis, IN 46247
Indiana Members Investment Services (available through LPL Financial)
Member Services (IMCU has no separate death-claims department or claims portal)
Indiana Members Credit Union, C/O Member Services, P.O. Box 47769, Indianapolis, Indiana 46247
Estate planning articles
Learn how to protect your IMCU accounts and other assets with trusts, beneficiary designations, and estate planning documents.
