Estate planning and settlement at LMCU
Name beneficiaries in branch, fund a trust in branch, and report a death at 1-800-242-9790
LMCU offers 17 accounts, each with its own rules for what happens when a member dies. As a membership-based credit union, LMCU headquartered at 4027 Lake Dr. SE, Grand Rapids, MI 49546 (the address LMCU publishes in its incoming-wire instructions), with branches across Michigan's Lower Peninsula and 23 locations in Western Florida. Membership is open to people who live, work, worship or attend school anywhere in Michigan's lower peninsula or Florida, to family members of existing LMCU members, and to anyone joining from anywhere who contributes $5 to the ALS (Amyotrophic Lateral Sclerosis) Foundation. That last path matters in estate work: an out-of-state heir or successor trustee can generally establish membership without moving. The branch locator at https://www.lmcu.org/locations/ filters by service, and three of those filters are estate-relevant — Medallion Signature Guarantee, Notary Public, and Safe Deposit Boxes — so a fiduciary who needs a medallion stamp or a notarized affidavit can find a branch that offers it before making the trip. Some transfer automatically to a named beneficiary, others can be held in a trust, and a few may require probate if no plan is in place.
Beneficiary designations at LMCU can be managed in branch, by phone, and by mail. Trust funding is also available, allowing families to retitle accounts into the name of a revocable living trust.
LMCU has documented procedures for both preparing accounts during your lifetime and handling claims when an account holder passes away.
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 17 account types at LMCU.
Preparing your estate →Death claim process
Report the death to LMCU's Special Accounts - Decedent Estate at 1-800-242-9790. The page lists the steps and the documents to send.
When someone dies →Reach LMCU's Special Accounts at 1-800-242-9790 for help with any of these procedures.
Because LMCU serves a limited number of states, procedures for trust funding and beneficiary changes may differ depending on your location. Verify availability before starting.
Sources
Data sourced from LMCU primary sources (37 pages reviewed). How we research.
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