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
Phone1-888-354-6228
Mailing Address
Orange County's Credit Union, P.O. Box 11777, Santa Ana, CA 92711-1777
Local
Mortgage Loans
WebsiteLearn more→
Member Operations Department (Account Settlement)
Mailing Address
Orange County's Credit Union, Attn: MO Account Administration, P.O. Box 11777, Santa Ana, CA 92711-1777
WebsiteNotify online→
Verified Jul 2026
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.
Basic CheckingPlus CheckingInterest CheckingAccess CheckingRegular SavingsMoney Market AccountShare Certificate
1
Visit any Orange County's Credit Union branch with a valid government-issued photo ID
2
Request to add or update POD (Payable on Death) beneficiary designations on your accounts
3
Provide beneficiary information:
- 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
4
Review and sign the updated account Signature Card or beneficiary designation form
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.
Phone1-888-354-6228
Mailing Address
Orange County's Credit Union, P.O. Box 11777, Santa Ana, CA 92711-1777
Local
Mortgage Loans
WebsiteLearn more→
Member Operations Department (Account Settlement)
Mailing Address
Orange County's Credit Union, Attn: MO Account Administration, P.O. Box 11777, Santa Ana, CA 92711-1777
WebsiteNotify online→
Verified Jul 2026
Estate planning articles
Learn how to protect your OCCU accounts and other assets with trusts, beneficiary designations, and estate planning documents.
