How to name beneficiaries and fund a trust at OCCU
Covers 7 deposit, 2 retirement, and 2 lending accounts — beneficiaries must be updated in-branch
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 at OCCU means getting each account set up so it transfers automatically when you die—either through a POD beneficiary or trust ownership. Because OCCU 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 11 product types, OCCU 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.
- For deposit accounts: request POD (Payable on Death) designation with beneficiary full legal name, date of birth, Social Security number, and relationship
- For IRA accounts: complete the IRA Beneficiary Designation form with primary and contingent beneficiary sections
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- Trust beneficiary designations may require a copy of the Certification of Trust
- IRA beneficiary changes for married account holders in California (a community property state) may require spousal consent
Sources
Data sourced from OCCU primary sources (23 pages reviewed). How we research.
Download these OCCU instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against OCCU primary sources. Bring it to the branch or keep it beside the phone.
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
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