Estate planning at PenFed
How to protect 10 PenFed accounts — manage beneficiaries online, fund a trust in-branch, and file death claims
Phone800-247-5626
Fax800-557-7328
Mailing Address
Pentagon Federal Credit Union, Box 247009, Omaha, NE 68124-7009
Checking and Savings support
International / direct dial
Mortgage and Home Equity
Hearing Impaired (TTY)
Lost or stolen card / unauthorized transactions
Alternate fax
WebsiteLearn more→
Phone800-247-5626
Fax800-557-7328
Mailing Address
Pentagon Federal Credit Union, Box 247009, Omaha, NE 68124-7009
Checking and Savings support
International / direct dial
Mortgage and Home Equity
Hearing Impaired (TTY)
Lost or stolen card / unauthorized transactions
Alternate fax
WebsiteLearn more→
Estate Accounts (PenFed Member Services)
Phone800-247-5626
Fax800-557-7328
Mailing Address
Pentagon Federal Credit Union, Box 247009, Omaha, NE 68124-7009 (courier: 13220 Fort Street, Omaha, NE 68164)
Alternate fax
WebsiteNotify online→
Verified Jul 2026
How your PenFed accounts transfer at death depends on how each one is set up. As a membership-based credit union, PenFed serves military members, DoD personnel, and anyone who joins a qualifying organization. Membership is widely accessible. Headquarters at 7940 Jones Branch Dr, Tysons, VA 22102, with financial centers across the United States and access to 85,000+ fee-free ATMs. Deposit account agreements are governed by the laws of the Commonwealth of Virginia and the Uniform Commercial Code (Form 794 Membership Disclosures, effective January 2026), so Virginia law controls the account contract even though the member may be settling an estate in another state. With 10 account types, the transfer rules vary—getting the right designations in place now prevents delays and court involvement later.
PenFed lets account holders update beneficiary designations online, in branch, by mail, and by phone, typically taking 10-20 minutes. Trust funding is also available, allowing families to retitle accounts into the name of a revocable living trust.
PenFed 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 manage beneficiaries online, fund a trust in-branch, and review 10 account types at PenFed.
View details →When someone dies
Death claim process
6-step process, 8 required documents, and contact information for survivors.
View details →Frequently asked questions
Only some of them. PenFed states that you cannot re-title your primary share account, your loans, or your IRA accounts into a trust; the trust opens its own accounts instead (Forms 151-RLT, 220-RLT, 400-RLT, 688-TRUST). The one exception is an existing Money Market Certificate, which can be re-titled to the trust with the Amendment to Share Certificate Agreement (Form 771) — provided every current owner of that certificate is a primary trustee. A joint owner who is not a primary trustee must relinquish ownership first through PenFed's joint-removal paperwork. For the accounts PenFed will not re-title, name the trust as beneficiary instead: Signature Card (Form 13) for the primary share, Form 732 for an IRA. Note also how PenFed structures the trust membership: a trust with its own TIN gets its own PenFed membership, while a trust running under the grantor's Social Security number gets a secondary account in the trust's name with the primary share and membership staying in the individual's name.
Sources
Data sourced from PenFed primary sources (17 pages reviewed). How we research.
Phone800-247-5626
Fax800-557-7328
Mailing Address
Pentagon Federal Credit Union, Box 247009, Omaha, NE 68124-7009
Checking and Savings support
International / direct dial
Mortgage and Home Equity
Hearing Impaired (TTY)
Lost or stolen card / unauthorized transactions
Alternate fax
WebsiteLearn more→
Phone800-247-5626
Fax800-557-7328
Mailing Address
Pentagon Federal Credit Union, Box 247009, Omaha, NE 68124-7009
Checking and Savings support
International / direct dial
Mortgage and Home Equity
Hearing Impaired (TTY)
Lost or stolen card / unauthorized transactions
Alternate fax
WebsiteLearn more→
Estate Accounts (PenFed Member Services)
Phone800-247-5626
Fax800-557-7328
Mailing Address
Pentagon Federal Credit Union, Box 247009, Omaha, NE 68124-7009 (courier: 13220 Fort Street, Omaha, NE 68164)
Alternate fax
WebsiteNotify online→
Verified Jul 2026
Estate planning articles
Learn how to protect your PenFed accounts and other assets with trusts, beneficiary designations, and estate planning documents.
