Estate planning and settlement at PenFed
Name beneficiaries online, fund a trust by mail, and report a death at 1-571-831-5340
How your PenFed accounts transfer at death depends on how each one is set up. As a membership-based credit union, PenFed membership is primarily military and is also available through an association, employer, volunteer activity, or work location. Headquarters at 7940 Jones Branch Drive, Tysons, VA 22102, with access to more than 85,000 fee-free ATMs and branches nationwide. Deposit account agreements are governed by the laws of the Commonwealth of Virginia and the Uniform Commercial Code (Form 794 Membership Disclosures, effective September 2026). With 10 account types, the transfer rules vary—getting the right designations in place now prevents delays and court involvement later.
Beneficiary designations at PenFed can be managed online and by mail. 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.
Beneficiaries and trust funding
How to manage beneficiaries online, fund a trust by mail, and review 10 account types at PenFed.
Preparing your estate →Death claim process
Report the death to PenFed's Estate Accounts team at 1-571-831-5340. The page lists the steps and the documents to send.
When someone dies →
Sources
Data sourced from PenFed primary sources (42 pages reviewed). How we research.
PenFed customer support
General Member Service
Phone
US Main (General Member Service)
Checking and Savings general contact
International direct dial
Lost or stolen debit card / unauthorized transactions
Mortgage and home equity information and applications
Fax (U.S. 2)
Fax
Hours
Mailing address
Website
Estate planning articles
Learn how to protect your PenFed accounts and other assets with trusts, beneficiary designations, and estate planning documents.
Forms for Planning Your Estate
Free forms for planning your estate: a will, living trust, pour-over will, both powers of attorney, living will, and TOD deed.
Last Will and Testament
Name your heirs, guardians, and final wishes. Free for every state.
Transfer on Death Deed
Transfer real property to a beneficiary upon your death without probate. Available in 34 states and the District of Columbia.
Vehicle Transfer on Death
Name a beneficiary to inherit your vehicle at death without probate. Available in 26 states and the District of Columbia.
Tools for Planning Your Estate
Free tools for planning your estate: what a will or trust costs, whether you need a trust or TOD deed, and how documents are signed.
How Do I Sign Estate Documents?
Find witness, notary, and remote signing requirements for all 50 states.
Will My Estate Documents Transfer?
Check if estate planning documents signed in one state are valid in another.
Trust or Will: Which Costs Less?
Compare the cost of probate vs a trust for your state and estate value.
How Much Does a Revocable Living Trust Cost?
Compare revocable living trust costs across providers including online services and attorneys.
How Much Does a Will Cost?
Compare will costs across providers plus probate costs your heirs will pay.
How Does SimplyTrust Compare to LegalZoom, Trust & Will, and Other Services?
Compare what it costs to make a trust official across SimplyTrust, LegalZoom, Trust & Will, Rocket Lawyer, and Quicken WillMaker.
