Polish National CU is a credit union offering 13 accounts that interact with estate planning in different ways. As a membership-based credit union, Polish National CU membership open to residents, workers, and students in Hampden, Hampshire, Berkshire, and Franklin counties in Western Massachusetts, and Hartford, Litchfield, and Tolland counties in Connecticut (Connecticut members must attend accredited public or private colleges, universities, high schools, elementary schools, or vocational schools). Seven branches in Massachusetts: Chicopee (Executive Office at 46 Main St and branch at 923 Front St), Wilbraham, Granby, Westfield, Southampton, Hampden, and East Longmeadow. No Polish heritage required. Understanding how each account transfers at death—and which ones a trust can hold—helps families avoid probate delays and unintended outcomes.

Account holders can update their beneficiary designations at Polish National CU in branch, by mail, and by phone. Accounts can also be retitled into a trust to keep them out of probate entirely.

Polish National CU 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 13 account types at Polish National CU.

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When someone dies

Death claim process

8-step process, 6 required documents, and contact information for survivors.

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Because Polish National CU 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. PNCU deposit accounts (checking, savings, money market, and certificates) can be retitled to a revocable living trust or opened in the trust name. Visit any branch with your complete trust agreement or Certificate of Trust and government-issued photo ID for all trustees. All trustees with account access should be present. IRA accounts cannot be retitled to a trust; you must designate the trust as the IRA beneficiary instead. PNCU does not publish trust account forms on its website; all setup is handled in-branch.

At PNCU. Premier Source Federal Credit Union merged into Polish National Credit Union effective June 1, 2022; its former East Longmeadow main office is now PNCU's East Longmeadow branch at 232 N. Main Street. If you are settling an estate and found old Premier Source statements, passbooks, or share certificates, bring or mail them to PNCU rather than searching for a Premier Source contact -- the toll-free Member Care Center at (866) 592-7628 or contactcenter@pncu.com handles the account. Beneficiary designations that carried over from the merged accounts still control, so ask PNCU to confirm whether a POD designation exists before assuming the balance has to go through probate.

Yes. PNCU deposits are federally insured up to $250,000 per depositor through the National Credit Union Administration (NCUA), backed by the full faith and credit of the United States Government. Deposits above the NCUA limit receive additional coverage through the Massachusetts Share Insurance Corporation (MSIC). Trust accounts can qualify for higher NCUA coverage based on the number of eligible beneficiaries named in the trust, potentially providing $250,000 per beneficiary up to NCUA limits.