How to name beneficiaries and fund a trust at Numerica
Covers 10 deposit, 3 retirement, and 2 lending accounts — beneficiaries must be updated in-branch
Member Service Center
Numerica Credit Union, PO Box 4000, Spokane Valley, WA 99037. Headquarters: 14610 E Sprague Avenue, Spokane Valley, WA 99216.
Member Service Center
Numerica Credit Union, PO Box 4000, Spokane Valley, WA 99037. Headquarters: 14610 E Sprague Avenue, Spokane Valley, WA 99216.
Member Service Center (deceased-member documents; no separate estate department)
Numerica Credit Union, PO Box 4000, Spokane Valley, WA 99037
Preparing your Numerica accounts for estate transfer involves two key steps: designating beneficiaries on each account and, where appropriate, retitling accounts into a trust. Because Numerica 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 15 product types, Numerica 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.
- Full legal name, date of birth, and Social Security number for each beneficiary
- The share of the account each beneficiary should receive
- For an IRA: primary and contingent beneficiaries, since an IRA passes by beneficiary designation and cannot be retitled into a trust
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- Numerica publishes no downloadable POD or beneficiary designation form — the designation is set on the account record through Numerica.
- Titling an account in a trust instead requires the signed Numerica Certificate of Trust (https://www-files.numericacu.com/production/documents/mrm/Trust-Certification-Document.pdf).
- NCUA share insurance rules (12 CFR 745.4) limit which POD beneficiaries expand coverage: natural persons, charities, and other non-profits.
- Washington community property (RCW 26.16.030) can override the practical effect of a POD naming for a married member.
Sources
Data sourced from Numerica primary sources (15 pages reviewed). How we research.
Download these Numerica instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against Numerica primary sources. Bring it to the branch or keep it beside the phone.
Member Service Center
Numerica Credit Union, PO Box 4000, Spokane Valley, WA 99037. Headquarters: 14610 E Sprague Avenue, Spokane Valley, WA 99216.
Member Service Center
Numerica Credit Union, PO Box 4000, Spokane Valley, WA 99037. Headquarters: 14610 E Sprague Avenue, Spokane Valley, WA 99216.
Member Service Center (deceased-member documents; no separate estate department)
Numerica Credit Union, PO Box 4000, Spokane Valley, WA 99037
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