Estate planning at OCCU
How to protect 11 OCCU accounts — manage beneficiaries in-branch, fund a trust in-branch, and file claims through OCCU's Orange County's Wealth Management
Orange County's Credit Union, P.O. Box 11777, Santa Ana, CA 92711-1777
Member Operations Department (Account Settlement)
Orange County's Credit Union, Attn: MO Account Administration, P.O. Box 11777, Santa Ana, CA 92711-1777
How your OCCU accounts transfer at death depends on how each one is set up. As a membership-based credit union, OCCU operates 11 branch locations throughout Southern California: Anaheim, Chino, Downtown Santa Ana, Fullerton, Huntington Beach, Irvine, Lake Forest, Long Beach, Mission Viejo, Santa Ana (St. Andrew Place), and Yorba Linda. Membership is open to anyone who lives or works in Orange, Los Angeles, Riverside, or San Bernardino Counties. Members also have surcharge-free access to nearly 30,000 CO-OP Network ATMs nationwide. Headquartered in Santa Ana, CA. With 11 account types, the transfer rules vary—getting the right designations in place now prevents delays and court involvement later.
OCCU lets account holders update beneficiary designations in branch, by mail, and by phone, typically taking 15-30 minutes in branch; longer by mail. Trust funding is also available, allowing families to retitle accounts into the name of a revocable living trust.
OCCU has documented procedures for both preparing accounts during your lifetime and handling claims when an account holder passes away.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 11 account types at OCCU.
View details →When someone dies
Death claim process
Contact OCCU's Orange County's Wealth Management to file a claim. 5-step process, 7 required documents, and contact information for survivors.
View details →For questions about any of these procedures, contact OCCU's Orange County's Wealth Management at 1-888-354-6228 ext. 7599.
Because OCCU serves a limited number of states, procedures for trust funding and beneficiary changes may differ depending on your location. Verify availability before starting.
Frequently asked questions
Yes. Orange County's Credit Union accepts both revocable and irrevocable trust accounts for checking, savings, money market, and share certificate accounts. Visit a local branch with your Certification of Trust (or full trust agreement), trustee identification, and the trust Tax Identification Number. Existing accounts can also be retitled to a trust without closing them.
Yes. Existing deposit accounts (checking, savings, money market, share certificates) can be retitled to your revocable living trust. Visit an Orange County's Credit Union branch with your Certification of Trust and trustee identification. The process does not require closing and reopening the account if the same SSN or EIN is used. IRA accounts cannot be retitled to a trust.
Sources
Data sourced from OCCU primary sources (23 pages reviewed). How we research.
Orange County's Credit Union, P.O. Box 11777, Santa Ana, CA 92711-1777
Member Operations Department (Account Settlement)
Orange County's Credit Union, Attn: MO Account Administration, P.O. Box 11777, Santa Ana, CA 92711-1777
Estate planning articles
Learn how to protect your OCCU accounts and other assets with trusts, beneficiary designations, and estate planning documents.
