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
Fax1-866-374-2123
Mailing Address
MSUFCU ATTN: Specialty and Support Services, PO Box 1208, East Lansing, MI 48826-1208
Verified May 2026
There are two ways to keep your MSUFCU accounts out of probate: adding Payable on Death designations and retitling accounts into a trust. Because MSUFCU 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.
Across 12 product types, MSUFCU accounts vary in how they transfer at death. The sections below walk through Payable on Death (POD) designations, trust funding options, and which products support each method.
Totally Green CheckingClassic CheckingMoney Market CheckingRebuild CheckingSpartan SaverSavings BuilderInsured Money Management Account (IMMA)Certificate (CD)
1
Visit any MSUFCU branch location
2
Bring government-issued photo ID
3
Request the Beneficiary Designation Form (POD designation)
4
Provide beneficiary information:
- Full name, date of birth, and Social Security number
- Relationship to account holder
- Percentage allocation
- Primary and contingent beneficiary designations
5
Sign 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
Fax1-866-374-2123
Mailing Address
MSUFCU ATTN: Specialty and Support Services, PO Box 1208, East Lansing, MI 48826-1208
Verified May 2026
Estate planning articles
Learn how to protect your MSUFCU accounts and other assets with trusts, beneficiary designations, and estate planning documents.
