Estate planning at RBFCU
How to protect 16 RBFCU accounts — manage beneficiaries in-branch, fund a trust in-branch, and file claims through RBFCU's RBFCU Trust Services (MEMBERS Trust Company)
RBFCU, P.O. Box 2097, Universal City, TX 78148-2097
RBFCU Trust Services (MEMBERS Trust Company)
1 IKEA-RBFCU Parkway, Live Oak, Texas 78233
RBFCU Estate Assistance Department
RBFCU, P.O. Box 2097, Universal City, Texas 78148-2097
RBFCU offers 16 accounts, each with its own rules for what happens when a member dies. As a membership-based credit union, RBFCU over 60 branches across Texas in four major market areas: Austin, Corpus Christi, Dallas-Fort Worth, and San Antonio. 1.1+ million members. Some transfer automatically to a named beneficiary, others can be held in a trust, and a few may require probate if no plan is in place.
Beneficiary designations at RBFCU can be managed in branch, by mail, and by phone, typically taking 15-30 minutes in branch; a few minutes by phone for deposit accounts. Trust funding is also available, allowing families to retitle accounts into the name of a revocable living trust.
There are two sides to estate planning at RBFCU: setting things up while you're alive, and the process survivors follow after a death.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 16 account types at RBFCU.
View details →When someone dies
Death claim process
Contact RBFCU's RBFCU Trust Services (MEMBERS Trust Company) to file a claim. 6-step process, 10 required documents, and contact information for survivors.
View details →For questions about any of these procedures, contact RBFCU's RBFCU Trust Services (MEMBERS Trust Company) at 210-637-4117. Email inquiries can be sent to trustservices@rbfcu.org.
Because RBFCU 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
Download the IRA Designation or Change of Beneficiary Form from https://www.rbfcu.org/forms-disclosures. Complete the form with beneficiary details including legal name, relationship, Social Security number, and distribution percentage. The form covers Traditional, Roth, and SEP IRAs. Submit the completed form to RBFCU by mail or at a branch. You can also call the Member Service Center at 210-945-3300 for IRA account assistance.
RBFCU Trust Services, through MEMBERS Trust Company (a federal thrift regulated by the OCC, in partnership since 2017), can serve as successor trustee or trust administrator for revocable living trusts, irrevocable trusts, special needs trusts, and testamentary trusts. Services include trust administration, asset management, tax filing, property sales, asset distribution, investment oversight, bill payment, and estate settlement support. RBFCU does not create or update trust documents; it maintains an attorney referral network and, once your trust exists, helps you retitle accounts and administer the trust. Contact Trust Services at 210-637-4117 or trustservices@rbfcu.org.
Sources
Data sourced from RBFCU primary sources (19 pages reviewed). How we research.
RBFCU, P.O. Box 2097, Universal City, TX 78148-2097
RBFCU Trust Services (MEMBERS Trust Company)
1 IKEA-RBFCU Parkway, Live Oak, Texas 78233
RBFCU Estate Assistance Department
RBFCU, P.O. Box 2097, Universal City, Texas 78148-2097
Estate planning articles
Learn how to protect your RBFCU accounts and other assets with trusts, beneficiary designations, and estate planning documents.
