How to name beneficiaries and fund a trust at Mountain Heritage FCU
Covers 5 deposit, 1 retirement, and 3 lending accounts — beneficiaries must be updated in-branch
Member Services (Parkersburg main office)
Phone(304) 424-7256
Toll-Free(800) 344-5262
Fax(304) 428-2127
Mailing Address
1822 Seventh Street, Parkersburg, WV 26101
Martinsburg branch
Beckley branch
Lost or stolen credit card
Lost or stolen debit card
WebsiteLearn more→
Member Services (no separate estate department)
Phone(304) 424-7256
Toll-Free(800) 344-5262
Fax(304) 428-2127
Mailing Address
1822 Seventh Street, Parkersburg, WV 26101
WebsiteLearn more→
Member Services, Parkersburg main office (no dedicated claims department)
Phone(304) 424-7256
Toll-Free(800) 344-5262
Fax(304) 428-2127
Mailing Address
1822 Seventh Street, Parkersburg, WV 26101
Verified Jul 2026
There are two ways to keep your Mountain Heritage FCU accounts out of probate: adding Payable on Death designations and retitling accounts into a trust. Because Mountain Heritage FCU is a membership-based institution, trust retitling must maintain the membership eligibility requirement. Both methods ensure your accounts transfer directly to the people you choose, without court involvement.
Mountain Heritage FCU has 9 accounts with different estate transfer rules. Here is how beneficiary designations, trust ownership, and probate apply to each one.
Share SavingsClub Account (Christmas and Vacation)Share Draft (Checking)Money Market Account (Free Checks)Share Certificate
1
Visit a Mountain Heritage FCU branch with government-issued photo ID. The Parkersburg main office (1822 Seventh Street) keeps the fullest hours; the Kearneysville branch is open Monday and Friday only, 11:00am-4:30pm
2
Ask to add or update a POD (Payable on Death) beneficiary on your share, checking, club, money market, and certificate accounts, and to designate a beneficiary on any IRA — the IRA designation is a separate form from the POD designation
3
Bring, for each beneficiary:
- Full legal name, date of birth, Social Security number, and relationship
- The share you want each to receive, if you are naming more than one
4
Sign the updated account documentation and keep your copy — the credit union publishes no online record of designations, so the signed card at the branch is the record
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- The credit union publishes no beneficiary form online and offers no online designation tool; designations are made on paper in branch or by mail
- IRA beneficiary designations are separate from POD designations on deposit accounts — completing one does nothing for the other
- Naming a trust as beneficiary generally calls for a Certification of Trust; confirm what the credit union needs before the appointment
Sources
Data sourced from Mountain Heritage FCU primary sources (11 pages reviewed). How we research.
Download these Mountain Heritage FCU instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against Mountain Heritage FCU primary sources. Bring it to the branch or keep it beside the phone.
Member Services (Parkersburg main office)
Phone(304) 424-7256
Toll-Free(800) 344-5262
Fax(304) 428-2127
Mailing Address
1822 Seventh Street, Parkersburg, WV 26101
Martinsburg branch
Beckley branch
Lost or stolen credit card
Lost or stolen debit card
WebsiteLearn more→
Member Services (no separate estate department)
Phone(304) 424-7256
Toll-Free(800) 344-5262
Fax(304) 428-2127
Mailing Address
1822 Seventh Street, Parkersburg, WV 26101
WebsiteLearn more→
Member Services, Parkersburg main office (no dedicated claims department)
Phone(304) 424-7256
Toll-Free(800) 344-5262
Fax(304) 428-2127
Mailing Address
1822 Seventh Street, Parkersburg, WV 26101
Verified Jul 2026
Estate planning articles
Learn how to protect your Mountain Heritage FCU accounts and other assets with trusts, beneficiary designations, and estate planning documents.
