How to name beneficiaries and fund a trust at Navy Federal
Covers 11 deposit, 3 retirement, and 1 investment accounts — beneficiaries can be managed online
Phone1-888-842-6328
Mailing Address
Navy Federal Credit Union, PO Box 3000, Merrifield, VA 22119-3000
WebsiteLearn more→
Phone1-888-842-6328
Mailing Address
Navy Federal Credit Union, PO Box 3000, Merrifield, VA 22119-3000
WebsiteLearn more→
Survivor Support
Phone1-800-883-3323
Fax703-206-3724
Mailing Address
Navy Federal Credit Union, PO Box 3002, Merrifield, VA 22116-9887
WebsiteNotify online→
Verified May 2026
Estate planning at Navy Federal means getting each account set up so it transfers automatically when you die—either through a POD beneficiary or trust ownership. Because Navy Federal is a membership-based institution, trust retitling must maintain the membership eligibility requirement. Without one of these in place, accounts may require probate before your family can access the funds.
Across 15 product types, Navy Federal 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.
Free EveryDay CheckingFree Active Duty CheckingFree Easy CheckingFlagship CheckingFree Campus CheckingShare Savings AccountMoney Market Savings AccountJumbo Money Market Savings AccountStandard CertificateEasyStart CertificateSpecial EasyStart Certificate
1
Sign in to your Navy Federal account
2
Complete and submit Form NFCU 250 (Payable on Death (POD) Designation):
- Download and fill out the form with beneficiary details
- All account holders must sign the form
- Attach the completed, signed form in an eMessage via secure messaging
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- POD available for checking, savings, money market, jumbo money market, and share certificates
- IRAs use separate Form NFCU 584 (Designation of Beneficiaries for IRA Plan) for beneficiary designation
- ESAs use separate Form NFCU 592 (ESA Designation of Beneficiary) for beneficiary designation
- Trusts and charities can be named as POD beneficiaries
- Multiple beneficiaries permitted with customizable allocation percentages
- Changes can be made at any time at no charge
- POD accounts are NCUA-insured separately up to $250,000 per beneficiary
- POD distributions generally precede will distributions
- When opening a certificate online, POD beneficiaries can be assigned during account creation without a separate form
Phone1-888-842-6328
Mailing Address
Navy Federal Credit Union, PO Box 3000, Merrifield, VA 22119-3000
WebsiteLearn more→
Phone1-888-842-6328
Mailing Address
Navy Federal Credit Union, PO Box 3000, Merrifield, VA 22119-3000
WebsiteLearn more→
Survivor Support
Phone1-800-883-3323
Fax703-206-3724
Mailing Address
Navy Federal Credit Union, PO Box 3002, Merrifield, VA 22116-9887
WebsiteNotify online→
Verified May 2026
Estate planning articles
Learn how to protect your Navy Federal accounts and other assets with trusts, beneficiary designations, and estate planning documents.
