Estate planning at LMCU
How to protect 17 LMCU accounts — manage beneficiaries in-branch, fund a trust in-branch, and file claims through LMCU's Special Accounts (trust, estate, conservatorship, guardianship, POA)
Contact Center
Phone(800) 242-9790
Toll-Free1-800-242-9790
Mailing Address
Lake Michigan Credit Union, 4027 Lake Dr. SE, Grand Rapids, MI 49546
WebsiteLearn more→
Special Accounts (trust, estate, conservatorship, guardianship, POA)
Phone(616) 265-3130
Toll-Free1-800-242-9790
Mailing Address
Lake Michigan Credit Union, Attn: Special Accounts, PO Box 2848, Grand Rapids, MI 49501-2848
Special Accounts - IRA / HSA / Deferred Compensation
Contact Center
WebsiteLearn more→
Special Accounts - Decedent Estate
Phone(616) 265-3130
Toll-Free1-800-242-9790
Mailing Address
Lake Michigan Credit Union, Attn: Special Accounts, PO Box 2848, Grand Rapids, MI 49501-2848
IRA / HSA death claims
WebsiteNotify online→
Verified Jul 2026
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, with branches across Michigan's Lower Peninsula and in Central and Southwest Florida. Membership is open to anyone who lives, works, or worships in Michigan's Lower Peninsula or anywhere in Florida; to immediate family of any member regardless of where they live; and to anyone outside Michigan and Florida who contributes $5 to the ALS Foundation. That last path matters in estate work: an out-of-state heir or successor trustee can generally establish membership without moving. 659,664 members and $17.23 billion in assets as of May 31, 2026. 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.
Managing beneficiaries at LMCU is straightforward—changes can be made in branch, by mail, and by phone, typically taking 15-30 minutes in branch; 1-2 weeks 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.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 17 account types at LMCU.
View details →When someone dies
Death claim process
Contact LMCU's Special Accounts (trust, estate, conservatorship, guardianship, POA) to file a claim. 6-step process, 8 required documents, and contact information for survivors.
View details →Reach LMCU's Special Accounts (trust, estate, conservatorship, guardianship, POA) 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.
Frequently asked questions
No. LMCU's Beneficiary Designation Form has a separate "Trust as Beneficiary" block, and it states the trust must be the sole beneficiary on the membership. You cannot split a designation between your trust and individual people on the same membership. The block asks for the trust name, its EIN/TIN, and the date of trust. Note also that signing a new form revokes all prior designations, so every beneficiary you intend to keep has to be re-listed.
Sources
Data sourced from LMCU primary sources (17 pages reviewed). How we research.
Contact Center
Phone(800) 242-9790
Toll-Free1-800-242-9790
Mailing Address
Lake Michigan Credit Union, 4027 Lake Dr. SE, Grand Rapids, MI 49546
WebsiteLearn more→
Special Accounts (trust, estate, conservatorship, guardianship, POA)
Phone(616) 265-3130
Toll-Free1-800-242-9790
Mailing Address
Lake Michigan Credit Union, Attn: Special Accounts, PO Box 2848, Grand Rapids, MI 49501-2848
Special Accounts - IRA / HSA / Deferred Compensation
Contact Center
WebsiteLearn more→
Special Accounts - Decedent Estate
Phone(616) 265-3130
Toll-Free1-800-242-9790
Mailing Address
Lake Michigan Credit Union, Attn: Special Accounts, PO Box 2848, Grand Rapids, MI 49501-2848
IRA / HSA death claims
WebsiteNotify online→
Verified Jul 2026
Estate planning articles
Learn how to protect your LMCU accounts and other assets with trusts, beneficiary designations, and estate planning documents.
