Estate planning at MSUFCU
How to protect 12 MSUFCU accounts — manage beneficiaries in-branch, fund a trust in-branch, and file claims through MSUFCU's Members Trust Company
Member Services
Phone(517) 333-2424
Toll-Free1-800-678-4968
Fax1-866-374-2123
Mailing Address
MSU Federal Credit Union, P.O. Box 1208, East Lansing, MI 48826-1208
WebsiteLearn more →
Members Trust Company
Mailing Address
MSU Federal Credit Union, P.O. Box 1208, East Lansing, MI 48826-1208
WebsiteLearn more →
Specialty and Support Services
Phone(517) 333-2424
Toll-Free1-800-678-4968
Mailing Address
MSUFCU ATTN: Specialty and Support Services, PO Box 1208, East Lansing, MI 48826-1208
Verified Mar 2026
MSUFCU is a credit union offering 12 accounts that interact with estate planning in different ways. As a membership-based credit union, MSUFCU primary operations throughout Michigan with 35 branch locations. Membership open to anyone who lives, works, worships, attends school, or owns a business in Michigan. Also serves the MSU community, select employee groups, and community organizations. Expanding into the Chicago, Illinois market. Headquartered at 3777 West Road, East Lansing, MI 48823. Understanding how each account transfers at death—and which ones a trust can hold—helps families avoid probate delays and unintended outcomes.
Beneficiary designations at MSUFCU can be managed in branch and by mail, 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.
MSUFCU 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 12 account types at MSUFCU.
View details →When someone dies
Death claim process
Contact MSUFCU's Members Trust Company to file a claim. 11-step process, 5 required documents, and contact information for survivors.
View details →For questions about any of these procedures, contact MSUFCU's Members Trust Company at (517) 333-2424 ext. 7280.
MSUFCU 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
MSUFCU does not currently support adding POD beneficiary designations directly through online banking. However, you can submit the completed Beneficiary Designation Form via eMessage through your online banking portal. You can also contact MSUFCU to have a representative issue the form electronically via DocuSign for completion.
Yes, MSUFCU offers trust accounts for deposit products. Bring your trust agreement or Certificate of Trust, government-issued ID for all trustees, and the trust EIN or grantor SSN to any branch. Contact Specialty and Support Services at 517-333-2424 to schedule an appointment. Trust accounts qualify for NCUA insurance up to $250,000 per qualifying beneficiary.
Members Trust Company (MTC), founded in 1987, is the leading provider of trust and investment services to America's credit unions. MTC is regulated by the Office of the Comptroller of the Currency and acts as trustee or co-trustee with fiduciary responsibility. Services include trust administration, estate planning, investment management, tax filing, and asset distribution. Available for trusts with assets over $250,000. Contact 517-333-2424 ext. 7280.
IRAs cannot be titled to a trust. However, you can name your trust as the beneficiary of your Traditional, Roth, or SEP IRA at MSUFCU. Consult a tax advisor before doing this, as naming a trust as IRA beneficiary has significant implications for required minimum distributions and tax treatment of inherited IRA funds.
The Savings Builder is a three-tiered blended rate savings account that pays higher dividends on your initial savings to help you build your balance faster. Different dividend rates apply to each balance tier, with higher rates on the first tier. You must have a qualifying MSUFCU checking account (Rebuild, Totally Green, Classic, or Money Market Checking) to open a Savings Builder.
Silver Spartan is a free membership benefit for MSUFCU members age 55 and older. Benefits include a Classic Checking account with no monthly service fee, one free box of checks per year, free money orders and cashier's checks, free notary services, free domestic wire transfers, free incoming wires, and discounted international wire transfers.
Member Services
Phone(517) 333-2424
Toll-Free1-800-678-4968
Fax1-866-374-2123
Mailing Address
MSU Federal Credit Union, P.O. Box 1208, East Lansing, MI 48826-1208
WebsiteLearn more →
Members Trust Company
Mailing Address
MSU Federal Credit Union, P.O. Box 1208, East Lansing, MI 48826-1208
WebsiteLearn more →
Specialty and Support Services
Phone(517) 333-2424
Toll-Free1-800-678-4968
Mailing Address
MSUFCU ATTN: Specialty and Support Services, PO Box 1208, East Lansing, MI 48826-1208
Verified Mar 2026
Estate planning resources for MSUFCU customers
Tools and documents to help protect your MSUFCU accounts.
Do I Need a Revocable Trust?
Answer questions about your estate size, real estate, family situation, and privacy preferences to see how a revocable trust compares to a will alone.
Take the Quiz
Are My Beneficiary Designations Protected?
See how your state handles beneficiary designations after divorce, inherited IRA creditor protection, and spousal consent requirements for retirement accounts.
Check Now
What Does Estate Planning Actually Cost?
See the true cost of estate planning. Compare SimplyTrust, Trust & Will, LegalZoom, and attorneys including life events like marriage, divorce, and having children.
Compare Costs