Estate planning at Redstone FCU
How to protect 20 Redstone FCU accounts — manage beneficiaries in-branch, fund a trust in-branch, and file claims through Redstone FCU's Wealth Management at Redstone Federal Credit Union (WMRFCU), through LPL Financial - investment and IRA accounts
Member Support
Phone256-837-6110
Toll-Free1-800-234-1234
Emailinfo@redfcu.org
Fax256-722-3655
Mailing Address
Redstone Federal Credit Union, 220 Wynn Drive, Huntsville, AL 35893-0001
WebsiteLearn more→
Wealth Management at Redstone Federal Credit Union (WMRFCU), through LPL Financial - investment and IRA accounts
Phone1-800-234-1234
WebsiteLearn more→
Member Support Services (deceased member accounts); Mortgage Loan Servicing handles Successor in Interest requests on Redstone mortgages
Phone256-837-6110
Toll-Free1-800-234-1234
Emailinfo@redfcu.org
Fax256-722-3655
Mailing Address
Redstone Federal Credit Union, Attn: Member Support Services, 220 Wynn Drive, Huntsville, AL 35893-0001
WebsiteNotify online→
Verified Jul 2026
How your Redstone FCU accounts transfer at death depends on how each one is set up. As a membership-based credit union, Redstone FCU primary field of membership is Madison County, Alabama (Redstone Arsenal area). Extended to Morgan County, Limestone County (AL), and Lincoln County (TN). Also serves 1,800+ partner organizations and military members. 28 branches in the Tennessee Valley. Mailing address for all forms and estate documents: 220 Wynn Drive, Huntsville, AL 35893-0001. With 20 account types, the transfer rules vary—getting the right designations in place now prevents delays and court involvement later.
Redstone FCU lets account holders update beneficiary designations in branch, by mail, and by phone, typically taking 15-30 minutes in branch; additional processing time by mail. Trust funding is also available, allowing families to retitle accounts into the name of a revocable living trust.
Redstone FCU provides specific procedures for both proactive estate planning and filing claims after a death.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 20 account types at Redstone FCU.
View details →When someone dies
Death claim process
Contact Redstone FCU's Wealth Management at Redstone Federal Credit Union (WMRFCU), through LPL Financial - investment and IRA accounts to file a claim. 9-step process, 9 required documents, and contact information for survivors.
View details →Reach Redstone FCU's Wealth Management at Redstone Federal Credit Union (WMRFCU), through LPL Financial - investment and IRA accounts at 1-800-234-1234 for help with any of these procedures.
Redstone FCU is not available nationwide. Estate planning procedures may vary by state, so confirm that your location is served before making account changes.
Frequently asked questions
For a Redstone account with no POD beneficiary and no surviving joint owner, the estate representative normally provides Letters Testamentary or Letters of Administration. If the estate is small enough, Alabama's summary distribution procedure can be used instead of full administration. Act 2025-431, effective October 1, 2025, retied the small estate amount to the combined homestead allowance, exempt property, and family allowance as adjusted for inflation under Ala. Code § 43-8-116 - and the Alabama Department of Finance's January 6, 2026 memorandum to probate judges puts that combined figure at $47,000 ($18,800 homestead + $18,800 exempt property + $9,400 family allowance). The estate must be personal property only; real property cannot pass this way. Madison County estates file the petition in the Madison County Probate Court. Because the figure is inflation-adjusted, confirm the current amount with the probate court before filing.
No, and this is a real planning trap. Redstone is a credit union, so every accountholder must be membership-eligible. The Membership Agreement states that if a successor trustee is not eligible for membership - a corporate trustee, for example - the trust account will be CLOSED. If your revocable trust names a bank or trust company as successor trustee, the Redstone deposit accounts funded into that trust will not survive the handoff. Redstone also requires a trust certification confirming your powers before it will open the trust account or make any change to it, states that it is not required to know, understand, interpret, or enforce the terms of your trust, and does not keep the trust instrument in its files. Redstone provides no in-house trust administration.
Sources
Data sourced from Redstone FCU primary sources (24 pages reviewed). How we research.
Member Support
Phone256-837-6110
Toll-Free1-800-234-1234
Emailinfo@redfcu.org
Fax256-722-3655
Mailing Address
Redstone Federal Credit Union, 220 Wynn Drive, Huntsville, AL 35893-0001
WebsiteLearn more→
Wealth Management at Redstone Federal Credit Union (WMRFCU), through LPL Financial - investment and IRA accounts
Phone1-800-234-1234
WebsiteLearn more→
Member Support Services (deceased member accounts); Mortgage Loan Servicing handles Successor in Interest requests on Redstone mortgages
Phone256-837-6110
Toll-Free1-800-234-1234
Emailinfo@redfcu.org
Fax256-722-3655
Mailing Address
Redstone Federal Credit Union, Attn: Member Support Services, 220 Wynn Drive, Huntsville, AL 35893-0001
WebsiteNotify online→
Verified Jul 2026
Estate planning articles
Learn how to protect your Redstone FCU accounts and other assets with trusts, beneficiary designations, and estate planning documents.
