Estate planning at Mission Fed
How to protect 11 Mission Fed accounts — manage beneficiaries in-branch, fund a trust in-branch, and file claims through Mission Fed's Member Services
Phone1-800-500-6328
Mailing Address
Mission Federal Credit Union, P.O. Box 919023, San Diego, CA 92191-9023
WebsiteLearn more→
Member Services
Phone1-800-500-6328
Mailing Address
Mission Federal Credit Union, P.O. Box 919023, San Diego, CA 92191-9023
Verified Apr 2026
Mission Fed offers 11 accounts, each with its own rules for what happens when a member dies. As a membership-based credit union, Mission Fed serves San Diego County, California with 38 branch locations. Membership is open to anyone who lives, works, worships, or attends school in San Diego County. 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.
Mission Fed lets account holders update beneficiary designations in branch, by mail, and by phone, typically taking 15-30 minutes in branch; longer by mail. 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 Mission Fed: 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 11 account types at Mission Fed.
View details →When someone dies
Death claim process
Contact Mission Fed's Member Services 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 Mission Fed's Member Services at 1-800-500-6328.
Because Mission Fed 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
Yes. Mission Fed partners with Trust & Will to offer online estate planning services including wills, trusts, healthcare directives, and power of attorney documents. Members generally receive a discount on initial estate planning services through the partnership; check missionfed.com/estate-planning for the current offer. Visit missionfed.com/estate-planning or contact Member Services at 800-500-6328 or 858-524-2850 for more information.
Yes. Mission Fed accepts both revocable and irrevocable trusts for deposit accounts including checking, savings, money market, and share certificate accounts. Visit any Mission Fed branch with your Certification of Trust (or full trust agreement), valid government-issued photo ID for all trustees, and the trust's Tax Identification Number (EIN) or grantor Social Security number. A representative will complete the Agreement for Trust Account(s) and retitle or open the account in the trust's name. IRAs cannot be retitled to a trust; the trust must be named as IRA beneficiary instead.
Yes. Mission Fed IRA accounts allow you to name a trust as a primary or contingent beneficiary. For SECURE Act distribution purposes, the trust must meet IRS see-through (conduit or accumulation) trust requirements for beneficiaries to qualify for the 10-year distribution rule. Provide the trust's full legal name, date established, and EIN when completing the IRA Beneficiary Designation form. California is a community property state; married account holders may need spousal consent to name a non-spouse or trust as primary beneficiary.
Sources
Data sourced from Mission Fed primary sources (16 pages reviewed). How we research.
Phone1-800-500-6328
Mailing Address
Mission Federal Credit Union, P.O. Box 919023, San Diego, CA 92191-9023
WebsiteLearn more→
Member Services
Phone1-800-500-6328
Mailing Address
Mission Federal Credit Union, P.O. Box 919023, San Diego, CA 92191-9023
Verified Apr 2026
Estate planning articles
Learn how to protect your Mission Fed accounts and other assets with trusts, beneficiary designations, and estate planning documents.
