How to name beneficiaries and fund a trust at Redstone FCU
Covers 13 deposit, 3 retirement, 3 investment, and 1 insurance accounts — beneficiaries must be updated in-branch
Phone1-800-234-1234
Emailinfo@redfcu.org
Mailing Address
Redstone Federal Credit Union, 220 Wynn Drive, Huntsville, AL 35893
WebsiteLearn more →
Phone1-800-234-1234
Emailinfo@redfcu.org
Mailing Address
Redstone Federal Credit Union, 220 Wynn Drive, Huntsville, AL 35893
WebsiteLearn more →
Death Claims
Phone1-800-234-1234
Emailinfo@redfcu.org
Fax(256) 722-3655
Mailing Address
Redstone Federal Credit Union, 220 Wynn Drive, Huntsville, AL 35893-0001
WebsiteNotify online →
Verified Mar 2026
Preparing your Redstone FCU accounts for estate transfer involves two key steps: designating beneficiaries on each account and, where appropriate, retitling accounts into a trust. Because Redstone FCU is a membership-based institution, trust retitling must maintain the membership eligibility requirement. Accounts with Payable on Death designations or trust ownership bypass probate entirely.
With 20 product types, Redstone FCU offers a range of transfer options. Some accounts support Payable on Death (POD) designations, others can be retitled into a trust, and some require probate if no beneficiary is designated. The sections below break down each step.
Rewards CheckingSafeguard CheckingEasy CheckingRegular Share SavingsBrighter Day SavingsMoney Market Share Savings"You Name It" SavingsChristmas ClubS.T.A.R. Club SavingsTraditional Share CertificateStarter Share CertificateNo-Penalty Share CertificateMember's Choice Share Certificate
1Visit any Redstone branch with government-issued photo ID
2Request a POD (Payable on Death) beneficiary designation form
3Provide beneficiary details: full name, date of birth, Social Security number, and relationship
4Designate primary and contingent beneficiaries
5Specify percentage allocation if naming multiple beneficiaries (equal distribution by default)
6Sign and submit the completed form
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- POD designations available for deposit accounts (checking, savings, certificates, money market)
- Online beneficiary designation is not available; must use branch, phone, or mail
- If multiple POD beneficiaries are designated, funds are divided equally by number of beneficiaries
- Beneficiaries have no right of survivorship among each other
- Investment account beneficiaries managed separately through LPL Financial
- Review recommended every 3-5 years or after marriage, divorce, or birth of a child
Phone1-800-234-1234
Emailinfo@redfcu.org
Mailing Address
Redstone Federal Credit Union, 220 Wynn Drive, Huntsville, AL 35893
WebsiteLearn more →
Phone1-800-234-1234
Emailinfo@redfcu.org
Mailing Address
Redstone Federal Credit Union, 220 Wynn Drive, Huntsville, AL 35893
WebsiteLearn more →
Death Claims
Phone1-800-234-1234
Emailinfo@redfcu.org
Fax(256) 722-3655
Mailing Address
Redstone Federal Credit Union, 220 Wynn Drive, Huntsville, AL 35893-0001
WebsiteNotify online →
Verified Mar 2026
Estate planning documents for Redstone FCU customers
Free documents designed to protect your Redstone FCU accounts.