Estate planning and settlement at MSUFCU
Name beneficiaries in branch, fund a trust in branch, and report a death at 1-800-678-4968
How your MSUFCU accounts transfer at death depends on how each one is set up. As a membership-based credit union, MSUFCU more than 30 branches across Michigan and northern Illinois, headquartered at 3777 West Road, East Lansing, MI 48823 (postal mail: P.O. Box 1208, East Lansing, MI 48826-1208). MSUFCU's stated field of membership is the MSU community, select employee groups, State of Michigan employees, and anyone who lives, works, worships, goes to school, or owns a business in the state of Michigan; a $10 donation to the MSUFCU Desk Drawer Foundation is the published route for someone outside that field. The Illinois footprint came from bank acquisitions — Algonquin State Bank and McHenry Savings Bank in 2024, and American Eagle Bank on July 1, 2026. American Eagle accounts do NOT convert to MSUFCU systems until November 7, 2026; until that date an heir settling a legacy American Eagle account works with the former American Eagle offices at 847-742-7400 (South Elgin) or 773-328-2350 (Chicago), and account owners are asked to complete a membership opt-in. Note Membership and Account Agreement Sec. 35: for attachment, levy, garnishment, execution, and legal process, MSUFCU deems every account located in Michigan or Illinois regardless of where the member lived or where the account was opened. With 18 account types, the transfer rules vary—getting the right designations in place now prevents delays and court involvement later.
MSUFCU lets account holders update beneficiary designations in branch and 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 MSUFCU: setting things up while you're alive, and the process survivors follow after a death.
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 18 account types at MSUFCU.
Preparing your estate →Death claim process
Report the death to MSUFCU's Member Services at 1-800-678-4968. The page lists the steps and the documents to send.
When someone dies →MSUFCU's Members Trust Company can answer questions about beneficiaries, trusts, or death claims at 1-517-333-2424 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.
Sources
Data sourced from MSUFCU primary sources (16 pages reviewed). How we research.
MSUFCU customer support
Member Services
Phone
Toll-free
Lost or stolen card, after hours
Former American Eagle Bank offices, South Elgin IL
Former American Eagle Bank offices, Chicago IL
Fax
Hours
Mailing address
Website
Estate planning articles
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