Estate planning at Lake Trust
How to protect 17 Lake Trust accounts — manage beneficiaries in-branch, fund a trust in-branch, and file claims through Lake Trust's Member Services
Member Services
Phone888-267-7200
Toll-Free888-267-7200
Mailing Address
Lake Trust Credit Union, 4605 S Old US Hwy 23, Brighton, MI 48114
WebsiteLearn more→
Member Services
Phone888-267-7200
Toll-Free888-267-7200
Mailing Address
Lake Trust Credit Union, 4605 S Old US Hwy 23, Brighton, MI 48114
Lake Trust Legacy Support
Text Support
WebsiteLearn more→
Member Services
Phone888-267-7200
Toll-Free888-267-7200
Mailing Address
Lake Trust Credit Union, 4605 S Old US Hwy 23, Brighton, MI 48114
WebsiteNotify online→
Verified Apr 2026
How your Lake Trust accounts transfer at death depends on how each one is set up. As a membership-based credit union, Lake Trust serves members across the state of Michigan. Headquartered at 4605 S Old US Hwy 23, Brighton, MI 48114. Multiple branch locations, video teller machines, and ATMs throughout Michigan. Participates in the Co-op Network for shared branch access at credit unions nationwide. With 17 account types, the transfer rules vary—getting the right designations in place now prevents delays and court involvement later.
Managing beneficiaries at Lake Trust 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.
Lake Trust 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 17 account types at Lake Trust.
View details →When someone dies
Death claim process
Contact Lake Trust's Member Services to file a claim. 7-step process, 6 required documents, and contact information for survivors.
View details →Lake Trust's Member Services can answer questions about beneficiaries, trusts, or death claims at 888-267-7200. Email inquiries can be sent to laketrust@laketrust.org.
Lake Trust 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
Yes. Lake Trust members who create wills or trusts through the Lake Trust Legacy portal (estateplanning.laketrust.org) in partnership with Legal Karma can print their completed documents at home and bring them to any Lake Trust branch for free notarization. Documents are editable for 30 days after purchase. Legacy-specific support is available at 517-759-7143. Note that Lake Trust is not a law firm and the documents are produced by Legal Karma, not Lake Trust staff.
Trust-titled deposit accounts at Lake Trust qualify for NCUA insurance of up to $250,000 per qualifying beneficiary named in the trust. For example, a revocable trust with four beneficiaries could have up to $1,000,000 in covered deposits. Individual accounts with a POD beneficiary designation also receive $250,000 per beneficiary rather than the $250,000 per-depositor baseline. The exact coverage depends on the specific terms of the trust document. IRA and investment accounts held through LPL Financial are not NCUA insured.
Lake Trust accommodates both channels. A trustee can call 888-267-7200 to request the documentation package and submit a certified copy of the trust agreement or Certificate of Trust, trustee IDs, and the trust EIN (or grantor SSN for revocable trusts) by mail to 4605 S. Old US Highway 23, Brighton, MI 48114. In-branch retitling is also available and typically processes faster. IRAs held through LPL Financial cannot be retitled; only a beneficiary designation change is available for those accounts.
Sources
Data sourced from Lake Trust primary sources (12 pages reviewed). How we research.
Member Services
Phone888-267-7200
Toll-Free888-267-7200
Mailing Address
Lake Trust Credit Union, 4605 S Old US Hwy 23, Brighton, MI 48114
WebsiteLearn more→
Member Services
Phone888-267-7200
Toll-Free888-267-7200
Mailing Address
Lake Trust Credit Union, 4605 S Old US Hwy 23, Brighton, MI 48114
Lake Trust Legacy Support
Text Support
WebsiteLearn more→
Member Services
Phone888-267-7200
Toll-Free888-267-7200
Mailing Address
Lake Trust Credit Union, 4605 S Old US Hwy 23, Brighton, MI 48114
WebsiteNotify online→
Verified Apr 2026
Estate planning articles
Learn how to protect your Lake Trust accounts and other assets with trusts, beneficiary designations, and estate planning documents.
