How to name beneficiaries and fund a trust at MSUFCU
Covers 8 deposit, and 4 retirement accounts — beneficiaries must be updated in-branch
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
Preparing your MSUFCU accounts for estate transfer involves two key steps: designating beneficiaries on each account and, where appropriate, retitling accounts into a trust. Because MSUFCU is a membership-based institution, trust retitling must maintain the membership eligibility requirement. Accounts with Payable on Death designations or trust ownership bypass probate entirely.
With 12 product types, MSUFCU offers a range of transfer options. Some accounts support Payable on Death (POD) designations, others can be retitled into a trust, and some require probate if no beneficiary is designated. The sections below break down each step.
Totally Green CheckingClassic CheckingMoney Market CheckingSpartan SaverSavings BuilderInsured Money Management Account (IMMA)Certificate (CD)Rebuild Checking
1Visit any MSUFCU branch location
2Bring government-issued photo ID
3Request the Beneficiary Designation Form (POD designation)
4Provide beneficiary information: full name, date of birth, Social Security number, relationship, and percentage allocation
5Specify primary and contingent beneficiaries
6Sign and submit the completed form
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- POD designation available for deposit accounts (checking, savings, CDs, money market) -- excludes IRAs
- IRA accounts use a separate beneficiary designation process
- If more than one POD beneficiary is named, ownership passes to all surviving beneficiaries without rights of survivorship
- Trusts can be named as POD beneficiaries on deposit accounts
- A trust can be named as beneficiary of an IRA (consult a tax advisor for implications)
- DocuSign electronic completion available upon request
- Beneficiary designations can also be submitted via eMessage through online banking
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 documents for MSUFCU customers
Free documents designed to protect your MSUFCU accounts.